davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I XXXX XXXX RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE MANAGER XXXX XXXX ON XX/XX/XXXX at XXXXXXXX XXXX CENTRAL TIME. 
LETTING US THE BORROWERS WITH ACCOUNT NUMBER XXXX MR.XXXX XXXX XXXXXXXX AND XXXX XXXX KNOW THAT WE CAN NOT NEVER GET A LOAN MORTIFICATION AGAIN! 
DUE TO HURRICANE HARVEY AND A ELECTRICAL HOUSEFIRE WE SUFFERED IN XX/XX/XXXX AND XX/XX/XXXX. 
WHEN WE FIRST TRIED TO APPLIED FOR A MORTIFICATION BACK IN XX/XX/XXXX! 
THE INFORMATION ABOUT OUR HOME LOAN SHOULD HAVE BEEN EXPLAINED TO US WITH EVERY OPTION TO GET OUR PAYMENTS MADE FROM XX/XX/XXXX TO XX/XX/XXXX! 
SHELLPOINT MORTGAGE NEVER STATED OUR ACCOUNT WAS OR WOULD BE IN A NONE RETENTION PLAN FROM THE FIRST TIME WE INQUIRED ABOUT! MORTIFICATION BACK IN XX/XX/XXXX. 
AGAIN MONTHS PAST NEVER ANY LETTERS FROM SHELLPOINT MORTGAGE ABOUT HELPING US WITH A PAYMENT PLANS! 
WHILE THE MONTHLY PAYMENT WERE ONLY {$5600.00} TO CAUGHT UP OUR ACCOUNT! 
WE SHOULD HAD ALL OPTIONS! 
NOW WE ARE AT A {$25000.00} PAYMENT PLAN ONLY TO THE ACCOUNT ASAP TO KEEP OUR HOME FROM FORECLOSURE! 
THIS IS SHELLPOINT MORTGAGE ONLY PAYMENT PLAN TO HELP US! 
AFTER MAKING DISCRIMINATION AND PROFILING STATEMENTS AGAINST US AND OUR FAMILY MEMBERS THAT WE XXXX XXXX XXXX BECAUSE MR.XXXX IS XXXX XXXXFOR OVER 27 YEARS! 
SHELLPOINT MORTGAGE IS AND HAS VIOLATED OUR RIGHTS AS HOMEOWNERS AND NOW WANTS TO TAKE AWAY OUR HOME! 
WE NEED HELP!!
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My loan was originally through XXXX and I recently went through a REFI via XXXX XXXX XXXX. PHH became the new servicer effective XX/XX/2020 which I was only notified 7 business days prior to effective date and 1st payment due date of XX/XX/2020. 

On XX/XX/2020 I attempted to make my 1st payment to PHH mortgage both via online and then over the phone and neither option was available to me as my account was not fully setup. I was then instructed by the representative to call back at a later date to process and I had until the XXXX of XXXX as part of the grace period to do so. 

I then spent over 2hrs on a call trying to obtain resolution with no luck. 

Thanks, XXXX
Consumer complaint received 2021-02-27
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. (GA)

I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain credit.
Consumer complaint received 2020-07-14
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. (TX)

XXXX XXXX has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.
Consumer complaint received 2020-07-14
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)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I communicated with Capital one XXXX XXXX. Then again XX/XX/XXXX. I was told I would be refunded 3 late fees. After this, this city was shut down due to Corona Virus. I again communicated this time I was told no payments are required during the shutdown. 
I made payments as I promised. Capital one now says no record exists and they will not correct the wrong information on my credit report even after I paid as I promised. 

My credit report shows late payments and a reduced credit limit.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2020 I mailed a format letter to Synerprise Consulting Services as a result of mail I received regarding the following accounts : XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX. {$310.00} XXXX XXXX XXXX XXXX {$60.00} In this letter, I requested that Synerprise provide COMPLETE information ( breakdown of fees including any collection costs and medical charges ) regarding each one of these debts listed above. 

On XX/XX/2020, I received a letter in the mail from Synerprise Consulting Services dated XX/XX/2020, advising that the total amount due is owed. I did not receive complete information ( breakdown of fees including any collection costs and medical charges ) as requested in my letter from XX/XX/2020. I have given this company well over 30 days to comply and therefore I request that they cease ALL collection attempts including the credit bureaus.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

HI I have recently made a complaint since my credit card with discover was denied every time I apply. I received a feedback saying that I can not apply for discover credit card right now but due to some reason I am not able to apply for any other credit card like XXXX, XXXX XXXX etc. 
Please help me out and let me know what to do?
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.
Consumer complaint received 2020-07-14
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. (LA)

XXXX 2019, I called in and advised XXXX XXXX I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.
Consumer complaint received 2018-06-12
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 — Problem with personal statement of dispute
Company: SUNTRUST BANKS, INC. (NY)

I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!

However Suntrust Never responded to my request!!!!
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union (CA)

As a result of a harassing phone call with employee XXXX XXXX ( last name may be misspelled ; her supervisor and loan manager is XXXX XXXX ) I was wrongfully denied eligibility without proper reason for a checking account to move forward with a credit card application that was already approved and verified. Email attachment included. 

I do believe without a reasonable doubt this denial to move forward was entirely due to my choice of moving forward with a federal and formal complaint against XXXX and the aggressive harassment I chose to report on the credit union and employee due to my pay-stub improperly reporting by HR error and no fault of my own. Payroll co. encounter errors and mis-pays etc. very often so her tactics were not only unreasonable but lacked knowledge of any common sense. I provided an immediate bank statement as well ( this was after her call ). 

During my conversation with her supervisor XXXX XXXX I was contentiously put on hold and treated unfairly due to my rebuttals of needing a proper written reasoning as per my rights. Clearly they wanted to give me the least amount of info and have me on my way due to their negligence. 

All calls are recorded and I urge you to review them and subpoena them from First Tech. 

I will be pursing this further if a proper and respectable resolution is not addressed by First Tech. They have my email and cell phone. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-14
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. (FL)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-05-10
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. (TX)

I have for a year been trying to have Equifax stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Equifax proof of this on my last dispute and still havent stop reporting it. I have attached proof of my Transcripts showing that i did not file for taxes 2016 and that XXXX  has deleted the account. Equifax must also stop reporting this account.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX  refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and XXXX XXXX that I owe them {$9900.00}.
Consumer complaint received 2020-07-14
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)

I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My wife, whom Im a joint signature on her checking account, got scammed. Someone hacked her works emails, pretended to be her boss, and emailed everyone asking for someone to buy XXXX gift cards because he was at a board meeting. She went to XXXX got the gift cards, sent them to the imposter. I called Fifth Thirds dispute team who directly refused to file a dispute, saying because she went willingly to the store, theres nothing they could do. Were two broke teachers and the bank refused to help in a fraudulent scam. We lost {$400.00}. Im sure the bank is insured for scams, of which we have the documentation to back it up.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (VA)

I have tried to resolve this with PayPal but they have a website that is impossible to reach. I cant call to leave a message because their message is you will not be able to speech with a representative due to the COVID-19 problem ( that has become an excuse for companies ) I tried to email & text them but again their website will not let you leave a message. Their website says go to the Resolution Center but you cant??? 

This has been going on for months & I still havent received 2 order that I have placed & Paypal has released my money from my bank account they should be held responsible for releasing funds to companies that are scams. 

I have emailed this company below with the email that PayPal has provided in my transactions account. They responded that they do not have an order for me because it was never placed??? 

1. XXXX XXXX XXXX, XXXX  ( Email address : XXXX ) the amount PayPal paid from my account was {$32.00} ( InvoiceID : XXXX ) ( Transaction ID : XXXX ) placed on XX/XX/20 at XXXX XXXX  My second complaint is with a company called : XXXX  XXXX ( Email address : XXXX ) that I placed on XX/XX/20 at XXXX XXXX  ( 0ver 2 months ago ) in the amount of {$24.00} ( Invoice ID : XXXX ) ( Transaction ID : XXXX ) this was also taken out of my Paypal account . 
I have emailed this company 4 times & still no response
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Relating to master card, last numbers XXXX from BOFA I see we had problem with XXXX XXXX on this card to start with, XXXX XXXX, this was sent back to BOFA as XXXX this back to XXXX XXXX XXXX XXXX, as are my bank now. this card went to a normal offer for no interest for XXXX. Month, but I paid this back on 12 months was fully paid on XX/XX/XXXX rest was XXXX paid off, and ask for closing on the card.. 
But after that, the BOFA did not respond to the closing and made some kind of credit on my card and start to ask for monthly payment, as I have not responded to I call them and they refuse to change any, report on XX/XX/XXXX reported {$760.00} and a minimum payment of $ XXXX. 
I will kindly ask you to have confirmation from me, this Credit Card, was cut here at XXXX. XXXX XXXX This illegal activity on the card and ruin my credit score every month are not acceptable, and they should pay for the damage on my score. 
I have my XXXX  account with all payment and return payments and some balance summary from BOFA to XX/XX/XXXX. XXXX
Consumer complaint received 2020-07-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$18000.00} XXXX  XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D. SCOTT CARRUTHERS (CA)

In XX/XX/2017 I reached a settlement with a law firm D Scott Carruthers representing XXXX to settle my account for {$7500.00} and remove the negative items on my credit report. I attached the settlement emails and the verification of my completion of the terms. I specifically ran my credit report prior and included in the exhibits so there was no confusion. Unfortunately, they did not remove my negative items. I repeatedly called and emailed both the law firm and cash call to remove and even tried to submit to the Credit Reporting Agencies with no success.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian tries to get me to pay them a monthly fee in order to raise my credit rating, a credit rating which they generate. They also lower my credit score and make many more attempts to get me to borrow money when I pay off my debts.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NJ)

XXXX XXXX XXXX XXXX overcharged me with a {$10000.00} bill for a single epidural injection. The insurance company negotiated it down to a total of around {$750.00}. Out of which the insurance paid 70 % and I paid 30 % to the collections agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX XXXX agreed that the debt is settled in full and they would close my account. 

Today, after 1.5 years, I get a letter from XXXX XXXX that I still owe {$9600.00}. They never closed my account even after agreeing to do so.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to XXXX, EQUIFAX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and XXXX, EQUIFAX, and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

In XX/XX/XXXX, I noticed a few items on my credit report that were unfamiliar. I challenged the bureaus and disputed some of the items with the creditors. One creditor in particular, Diversified Consultant, has inserted, removed and reinserted several accounts on my report in an attempt to collect a debt that does not belong to me. I observed on one of the letters, that my name was inserted on a bill dated from XX/XX/XXXX - XX/XX/XXXX. This was the first discrepancy that caught my eye. I've been requesting validation from this company for two months and they finally responded with a forged document ( bill ) dated a month prior. How is this possible that I'm fighting a collection company on a bill or debt that's not even 30 days old? 

Then they sent a letter shortly afterwards saying that the account with their office would be closed. 
I checked my report again and lo and behold, Diversified Consultants, again reporting this debt on my report. Only this time, they changed the account number. and sent a similar bill with my info photoshopped again.I 've disputed this account with the credit bureaus, to no avail. I'm not sure how this is even legal, but I decided to complain here as another option before I consult with an attorney. Also, now they are reporting the debt as XX/XX/XXXX.
Consumer complaint received 2016-12-08
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (MO)

I have had been paying the mortgage on my home since XX/XX/2009. Shortly after my ex wife and I divorced, she filed Chapter XXXX bankruptcy. I kept the house and continued to make my mortgage payments. A few years later, I had to file XXXX XXXX because of some of her debt that had been sent to me. My XXXX XXXX has been XXXX for almost a year. My mortgage company refuses to report to the credit bureaus that I have been making my payments. It is affecting my credit and I can not get pre approved for a new home loan if I sell this house because of it. I have been in contact with them numerous times and they refuse to report, even though my Chapter XXXX has been XXXX. On my credit report, it even shows a balance of {$0.00}. They are now telling me that they will not report because of my ex wife filing Chapter XXXX, even though I was awarded the property in the divorce. They are telling me that I will need to refinance and it will cost me several XXXX more dollars. I do not think that this is fair because I have been making payments on my house this entire time. It is extremely frustrating when I am trying to do what is right by making my payments and I get this response from them. I would like some help or guidance on this matter.