davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Around XX/XX/2017 I was elated to be approved by Amex Green and two other products. Shortly after my credit cards were compromised by a previous roommate who had even made fraudulent payments. AMEX credit the fraud and I completely paid the amounts I had charged only to find out that they closed all my accounts. I was never late once and I paid for the products I had made with the AMEX cards. Since then I have tried a number of times to get my accounts reinstated but to no AVAIL. Is this how the AMEX banking system that is regulated by the FTC and Federal Government treats victims?
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX XXXX, XXXX XXXX XXXX, sent information to Kohls that a package shipped to me was lost during transport. A Kohls rep, XXXX, processed a full refund on XX/XX/XXXX, incident # XXXX. I never received refund. On XX/XX/XXXX, another refund, incident # XXXX, was processed, seeing that the first refund wasnt posted to my account. My Kohls credit card has still not been updated with full refund. Im speaking to another Kohls rep, XXXX, XXXX, about this ongoing incident.
Consumer complaint received 2024-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (CA)

On XX/XX/XXXX, I submit an application for additional assistance to the California XXXX Assistance XXXX. They previously made a payment to my servicer on my behalf in XX/XX/XXXX. This application is currently under review. In addition, on XX/XX/XXXX, I submitted to Loancare a complete loss mitigation application, via the XXXX XXXX XXXX on the Homeowner Portal of the website. This complete application was received by them on the same date, as evidenced by the confirmation email I received upon submission. They have failed to formally acknowledge receipt of said XXXX within the time period allowed by Regulation X ( 5 days ). In an attempt to check on the status of this application I submit to them, I logged in online and navigated to the Financial Assistance section which states I am already on a mortgage assistance plan despite this not being true. 

Moreover, they have already initiated foreclosure proceedings against me by filing a Notice XXXX XXXX with the XXXX XXXX Clerk/Recorder. It should be noted that a copy of this filing was never sent directly to me, despite them having my correct mailing address. This action was taken even though I have not received a notice pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) stating the outcome of their evaluation of my application in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) ( 2 ).

I did not receive notices of the status of my mortgage being delinquent until the beginning of XXXX. I did not receive any warning that a foreclosore was imminent. I was not afforded the right to explore loss mitigation options prior to them filing a notice of default.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IL)

The lender for my home mortgage is United Wholesale Mortgage ( UWM ). After I paid 80 % of the loan, I was given an option to close the Escrow account which I did in XX/XX/2021. In XXXX I was sent a check for {$5900.00}. I deposited the check in my Savings account and right when I was about to pay the property taxes using that money, the check returned. I was sent no communication from the lender as to why the check returned. I contacted them a few times but I was provided generic information and told that they will send a new check. Property taxes were due in XXXX and I could not pay it on time as I didnt get the check on time from UWM . 

I had to not only borrow money from someone but also pay a late payment fine on my property taxes. Since then I have contacted UWM more than 5 times and I have been put on hold for hours. Every time they representative tell me that check is on its way but I have still not received it.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (KY)

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they don't report to the credit bureau, so I'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ). Thank you in advance for you help in this matter. 

I got the below response back from XXXX in regards to my re investigation into the removal of my bankruptcy : XXXX Report Number XX/XX/XXXX Date Generated Record Details Record Type Chapter XXXX bankruptcy discharged Filing Date XX/XX/XXXX Date Resolved XX/XX/XXXX Claim Amount {$0.00} Liability Amount {$0.00} Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX XXXX   XXXX Address XXXX XXXX XXXX XXXX, KY XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

THIS COLLECTION OF DEBT WAS FROM IDENTITY THEFT, THE DEBT OF {$1000.00} IS NOT MINE DEBT THIS FROM IDENTITY THEFT I DIDNT NOT OPEN AN ACCOUNT ON XX/XX/2019.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Child Support Recovery Services, Inc. (MD)

On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding ; Capital One credit card # XXXX Subject ; Dispute XXXX XXXX XXXX  XXXXXXXX XXXX  charge for {$650.00} 3rd Dispute response!!! 

Regarding todays telephone conversation and your XXXX XXXX  XXXXXXXX XXXX email Re : XXXX To finish processing your recent request, we need some supporting documents : Second Opinion Any additional information related to your dispute XXXX XXXX XXXX XXXX XXXX o Second Opinion from WHO??? I have already sent you 2 responses with supporting documents that proves I booked a hotel reservation direct through the XXXX XXXX XXXX ( XXXX ) web site, not XXXX as the night clerk and morning XXXX claim. I have never received any documents from XXXX! 
o And who/what is getaroom? I have never dealt with them or ever receiced any documents from them! 
o THIS IS ALL A SCAM!!! 
Any additional information related to your dispute o What additional information do you need? I only stayed XXXX night because, as already stated, the night clerk was totally rude, chastising me for booking through a 3rd party, WHICH I DID NOT! I attached the XXXX receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Rate per room Room XXXX : XXXX XXXX XXXX, ( XXXX XXXX - XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX {$140.00} o As already stated, the night clerk and the XXXX would not provide me with a receipt because they said I had to get it from XXXX ; but since I did NOT book it through XXXX, I can not get a receipt! 
o The next night I booked rooms at the nearby XXXX XXXX and I have the receipt from them for the rest of the week just to prove I did not stay at the XXXX after the XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX  ) per Capital One XXXX, XXXX Statement. 
Receipt from XXXX XXXX attached dated XX/XX/XXXX for a room XX/XX/XXXX to XXXX. 

And as I already stated, I absolutely refuse to pay for anything over than the XXXX and only night I stayed at the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. If you do not issue me a credit for the other bogus charges you may as well cancel the credit card and I will meet you in court!!! You have lost a great customer with a XXXX XXXX XXXX and a spotless record of paying on time!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nationwide Recovery Systems, Ltd (TX)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Myloancare.com took over as my mortgage servicer, and my automatic payment was turned off. I have had my mortgage for 10yrs and have never been late or missed a payment. So they have turned off my auto pay, then I have submitted payments online through their website, and the payments just never go through, I have done this at least 20x. You call the mortgage servicer and no one answers the phone. I have spent 15 hrs  trying to reach someone. This is clearly a scam creating fees for the mortgage servicer.
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have applied for a rental to a apartment complex managed by XXXX XXXX XXXX XXXX XXXX and they charged my credit card for {$300.00} for application and they did not completed nor refused my application. ( They were forced me to give them my Federal Tax documents which I refused and offered to share bank statements as needed ) in result I disputed the amount with the bank. Later they contacted me and informed me that they will return my {$200.00} if I cancel the dispute with the bank, which I did. They received their {$300.00} and returned my {$200.00} as promised but then Columbia Debt. Agency contacted me asking {$300.00} on behalf of XXXX and reported me to XXXX. I filed a dispute with the XXXX with the payment details and also I shared the related info and cc payment details/ statement with Columbia debt agency. Today I have informed by XXXX that this agency and XXXX is still seeking money from me with wrong accusations against me. Debt was paid 9-12 months ago ( as attached ) and they are refusing the proof of payments and asking to pay again. 
Thank you for your consideration. 
Regards
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CA)

Our loan was sold from XXXX to XXXX Mortgage XXXX. 
It seems the servicer is double billing use for property tax billing. I have attached examples of the error. We have called multiple times and have yet to get a response to our concern. 
As seen, the documents from XXXX XXXX outline all payments that are to be deferred for the home loan : The total amount of {$55000.00} is stated as including an escrow balance and other past-due amounts to be deferred totaling {$12000.00}, and a principal interest of {$43000.00}. 









Now as seen on the documents provided by ServiceMac we have the same deferred amount of {$55000.00}, only this amount is not listed as the total amount deferred as in the XXXX documents, but rather the deferred principal balance only. This suggests that the escrow balance has not been added even though we can clearly see from the above documents that it has been included in the total amount deferred of {$55000.00}. In addition to this amount we see listed another escrow balance of {$10000.00} : This is clear evidence of an additional escrow balance being added to the total amount deferred. XXXX amount of {$12000.00} which is included in the total amount deferred, and an additional {$10000.00} escrow balance which only appears after ServiceMac takes over handling of the loan. Please see the attached PDF files to verify these findings. We would like a prompt explanation as to how ServiceMac plans to correct this issue as our monthly Mortgage amount is currently being effected by the error.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been receiving calls from a private number from the same female saying she was with PORTFOLIO RECOVERY telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for PORTFOLIO RECOVERY. If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. I believe it is a PORTFOLIO RECOVERY employee trying to affect a payment illegally and in violation of Federal Law.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance repossessed the truck in XXXX and the truck was sold. They are still reporting it on my credit as of XX/XX/XXXX as XXXX days late in the payment buy there is no payment. The account should be closed with a balance owed, but no payments have been missed since the payments stopped with the repossession. They are continuing to report my payment as late and the status as being " in repossession '' but the truck was repossessed 3 years ago and sold at auction. They continue to report it as a late payment every month letting my credit score significantly where I can't even attempt to rebuild it. They aren't responding to my numerous attempts at getting them to report it correctly to all 3 bureaus.