davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

My Father XXXX XXXX XXXX and XXXX XXXX are deceased. I, XXXX XXXX, inherited a property with debt owed to Ditech Financial. The mortgage company Ditech went bankrupt. The debt was assumed by Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX, TX XXXX. I have carried insurance on the property since their deaths with XXXX XXXXXXXX XXXX XXXX. I listed Shellpoint as the loan holder and had proof sent to Shellpoint. Without my knowledge, Shellpoint Mortgage force wrote extra insurance on the property and refused to refund the amounts charged even though the proof stated the property address has had continued coverage from 2014 to present. In addition I paid more than the due amout of {$260.00} every month amount of {$300.00}. which added to an extra payment a year. However, they raised the payment on the fixed loan to {$300.00} due to the insurance they unfairly placed on the property all the while having proof of insurance made to them. I call several times and they would not speak to me even though I said I had been authorized person on said loan for the entire time before and after my parents both passed. I resent all death related information and copy of the Will. The said I had to redo the loan with them. I do not wish to redo anything with this debtor nor did my parents have a debt with this company. The property is worth {$48000.00} and the debt is for less than {$10000.00}. I want them to refund all the forced insurance with any interest and all late fees assessed. Due to loan being an assumed mortgage, they should in good faith honor the original payment and not be able to rob someone by upping a fixed mortgage payment out of the blue. There was never a escrow account on this mortgage and they claim there is. I recieved no help the many times I called to straighten it out and because I continued to make the same payment as I have the last decade, Shellpoint stated I was at one point {$1200.00} behind on a {$260.00} loan payment due to insurance and late fees asssed. While I state I paid more than the monthly amount due which is of {$300.00}. It is unfair for Shellpoint to raise the monthly payment on a fixed loan. They further should not be able to assess any fees or interest on unnecessary and unfair insurance premiums. 
I attached a copy of the forced monthly payment increase statement from Shellpoint and also attached is the copy of my XXXX XXXXXXXX document stating on policy of Shellpoint 's interest in the insured property. My phone number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX KY XXXX.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Our account was somehow manipulated to where someone took withdraws of {$2000.00}, {$2000.00} and {$1000.00} from the account. Wells Fargo said that since my wife had the debit card in her possession at all times, they would not refund our money.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NJ)

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

During a XXXX  call with two Bank of America reps in XX/XX/2021, I was told by one of the reps that my checking accounts were being charged an Analysis Fee that was not meant for my small business. It was for much larger companies that transacted {$2.00} XXXX monthly and had an ERP with BOA. The amount was over $ XXXX/mo every month for 15 years! I believe BOA may have stolen over {$200000.00}! When I asked about the account in the past, I was told by BOA that it was for treasury, or that it was on my statement and that's all they had to divulge! If I kept asking why I was being charged this analysis fee I would be disconnected, or BOA refered me to a rep who would not respond! 

For complaining LOUDLY, BOA deemed me a risk and my account was frozen and deleted on XX/XX/2021. But not before BOA charged even more fees and on my newest account which was never charged this analysis fee before! 

A BOA VP called me twice and told me that I was being punished! When I complained to a Bank Branch, this same VP called me again and said that I was vulgar! He claimed he had evidence that I signed up for this anaysis fee. When I asked to see it, he responded that he did not have it in front of him. I asked when he could send it to me. The VP claimed that next day. I have never heard back from this VP, and BOA did not respond to my Better Business Bureau complaint. I was told by one BOA rep that I the paperwork involved to set up an analysis fee was enormous, so I would have remembered! 

I have the names of everyone I spoke with and the dates. Please let me know what I need to do to receive restitution for BOA egregious acts.
Consumer complaint received 2021-04-06
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (TX)

On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At that time I was issued an automatic stay by the bankruptcy court. on XX/XX/XXXX Self, INC closed my credit card with them. However on XX/XX/XXXX Self, INC added {$2.00} in interest to the balance. I spoke with a representative via phone on XX/XX/XXXX regarding this as was told that they had recieved the bankruptcy notice and the account would be updated accordingly. Then on XX/XX/XXXX the company added {$15.00} in late fees to the account. I sent noticed via there chat messaging feature as was given case # XXXX and recieved the email stating that they still have to report my payment history to the credit bureaus and as referred back to my bankruptcy attorney. I have told Self, INC that I filed pro se and this account falls under the automatic stay of the chapter XXXX. I Then was charged another {$15.00} on XX/XX/XXXX. The XXXX XXXX was discharged including Self, INC on XX/XX/XXXX, yet Self inc is still charging lates fees and have NOT properly zeroed out this account per the XXXX XXXX. On XX/XX/XXXX I recieved basically a dupiclate email ( case # XXXX ) from the exact same rep stating the exact same thing. Both emails are attached below.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I contacted to company to make them aware that I have been a victim of identity theft and since filed police reports regarding the matter. I have requested copies of the lease and the identification used when signing the lease and have received no response.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In XXXX of last year I received a medical debt collection bill from a company called CMRE. The debt was for a medical bill issued from XXXX XXXX XXXX XXXX from an ER visit that occurred on XX/XX/XXXX. The total billed amount was {$740.00}. My insurance XXXX XXXX covered {$520.00} dollars of the total, leaving the allowed amount my provider could bill me at just over {$220.00}. However, once the debt was sold to collections, CMRE tried to bill me the total amount of {$740.00}, instead of the allowed amount of {$220.00}. I contacted CMRE by phone on XX/XX/XXXX to explain what had occurred, and that they were billing me the incorrect amount. They refused to listen, and continued to press me to pay the {$740.00}. XX/XX/XXXX I called CMRE again, and after some bullying from them, I asked for their mailing address so I could mail them a copy of the explanation of benefits from XXXX XXXX to clearly show proof I was being billed the wrong amount. I mailed a copy of the explanation of benefits to CMRE on XX/XX/XXXX via USPS along with contact information for my XXXX XXXX representatives and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a new letter from CMRE that said they will not reduce the amount of the debt despite the proof of the error, and that they refuse to do anything more in regards to the issue. I have tried multiple times to resolve this with CMRE, I have sent proof that they are overfilling me for medical debt, and they do not care. It is my personal belief that they do not care about the actual amount owed, and are only focused in getting as much money from me as possible, regardless of legality or what has already been reimbursed from my insurance company. At this point I feel helpless to do anything, as they will not take proof of the error into account, and they know I have little recourse without outside intervention to assist me.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP (AZ)

A cancellation of debt was reported by US Bank to IRS which contains inaccurate information. The cancellation of debt total was {$13000.00}, but was reported to IRS as {$26000.00} on my XXXX and on my wifes number. US Bank states that they reported it correctly and the issue is with IRS, but they state we will be taxed on the {$26000.00} amount plus penalties unless they get clarification from US Bank.
Consumer complaint received 2023-06-30
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: The Bureaus, Inc. (TX)

While checking into the national multistate licensing system, I noticed THE BUREAUS is not licensed to collect in the State of Texas and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are violating the law by continuing to report as a charge off each and every month.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Hello, I ( XXXX XXXX ) was living and working full time in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We sold our primary home in XXXX in XXXX. 
Sometime around XXXX Discover issued a credit card to someone using my name and my XXXX yr old address. 
The person maxed out the card in no time and defaulted. Upon my return to states and trying to get a credit card and buy a vehicle we discovered my low XXXX XXXX due default under my name. 
I reached out to discover asking for proof on verification of my ID before issuing the credit card. They will NOT comply. 
I have reached out to all three credit agencies with facts and they are siding with discover. 
Discover has tried to sue me. I reached out to their lawyer with facts but they refuse to talk to me. 
As a result it is becoming a XXXX vs XXXX story. I am unable to live a normal life despite being a ideal law abiding, financially responsible citizen. 
Before I start a lawsuit against discover, I wanted to reach out to you to see if you could assist. 
Happy to provide all facts. Please remember I did not live in United States from XX/XX/XXXX until XX/XX/XXXX and hence had NO utility bill to prove the same. 
This looks like a case of greed from discover and now I am the one paying the price. 
Thank you in advance for all your assistance. 
I can be reached at ( XXXX ) XXXX or XXXX XXXX. XXXX XXXX.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-04-06
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. (CA)

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX AmT {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-04-06
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. (NY)

I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX  is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XXXX of XXXX. Also, they are reporting Lates Starting XXXX of XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Consumer complaint received 2021-04-06
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. (NY)

I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants and professional have created financial hardship for myself by damaging my credit with a debt that they can not properly validate and prove that the debt belongs to me. I have disputed this matter with them via regular mail and also with XXXX. Yet, Merchants and Professional continues to report this invalidated debt to XXXX.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: OneMain Finance Corporation (FL)

Upon review of my credit report, I see that I have late payments in XXXX. According to the Federal Trade Commission Act 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment is due. As you can see from the attached state email, the statement was delivered on XX/XX/XXXX and the due date was XXXX XXXX. This is a violation and I am requesting ALL late payments be removed from my credit! I am not against legal action if this is not resolved in the next 30 days. This letter was sent certified on XX/XX/XXXX and I have not received a response which is a violation of my rights.
Consumer complaint received 2020-10-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

remove the address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2021-04-06
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: Experian Information Solutions Inc. (LA)

XX/XX/2021 at XXXX Saturday, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened an saving account with them. The teller ran a credit report on me which was improperly implies that it was a INSTALLMENT LOAN INQUIRY. This reduced my Experian credit alert reports by 19 percent. When I was alerted to this a week later I contacted XXXX main office manager and she reviewed by account. She said that she didn't see a request for a loan. I contacted the credit unit branch on XXXX XXXX where I opened the account and they told me it was standard procedure. This action is not noted in the forms that was provided to open up a basic savings account. Please help me clarify this matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your assistance would greatly appreciated be greatly appreciated.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC (CA)

This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc. (GA)

company called me didnt know who they was never received anything from them. put on my credit report. said that i owed them {$59.00} for a {$29.00} ups bad check. told them never wrote a check, send a copy of a check, told them must be fraud they refuse to do anything.