davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (RI)

I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (DC)

I was never notified by front line asset strategie, I never had in business dealings with this company, This account just appeared on my credit file, a clear violation with no communication or chance for me to dispute the account
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Sortis Financial, Inc. (FL)

Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to get my free transition credit report as per the fcra sinceXX/XX/2016 and I have been unsuccessful. I have tried contacting transition but all employees on the phone are from over seas and dont speak clear English so there is a lot of miscommunication. I have more than one credit report on file and they cant fix it they said which is causing me issues when applying for a home. They have a lot of inaccuracies but I have no way of disputing them as I can not access an account. When I try online it says my account is having technical difficulties and doesnt let me log in due to having more than one file. It re-directs me to PURCHASE a monthly plan with them which is illegal. It is a money fraud scam!! I want this fixed or Im going public with the news and hiring an attorney.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (AL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I was informed by a financial institution that my credit had a credit alert. I was concerned because I had not place one since 2008. Back then I placed this alert as part of the products that Equifax was servicing my account. However, few years after I requested this feature to be removed. 
As I delved into the details of what was happening, I was told that even though a request was made year ago, there is circumstances that require adding these feature without my consent. Those instances were thirdd party involvement, etc. I became more troubled because this oversteps my rights to be informed of what happens with my credit. 
I requested that the fraud alert be removed. Another issue that has not been addressed in the past and I have gotten tired of the run around is my inability to access credit reports ( adverse actions or yearly credit reports ) online. There is a blockage autocratically imposed on my profile that restricts me from gaining access to my credit report. I have not been successful at doing this process online. 
Lastly, the request for additional information anytime I request a credit report. This information has been verified with the security questions. Also, my credit profile has my personal information submitted few years ago. Why do I have to do this process again? 
The ultimate challenge is when I dispute information ( with a representative ) and I do have to explain myself ( detailed ) because I am questioned about the reasons why I want it to be investigated. I understand that some information has to be explained, however there are limits. The questions asked by XXXX, the representative overstepped those limits.
Consumer complaint received 2020-05-02
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: Experian Information Solutions 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 INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-05-23
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. (CA)

Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OR)

Account on credit report was originally reported delinquent XX/XX/XXXX. Recent credit reports are showing same account reported XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AK)

I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the XXXX XXXX XXXX and may have gotten into the wrong person 's access.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Requested a Verification of Debt from Portfolio Recovery Associates As of today, has not provided the requested information. 

PRA has not provided or responded to my request of verifying the information. 

Reached out to Portfolio Recovery Associates did not respond to my request at all. 

( See attached A ) Certified return receipt to PRA ( See attached B ) Copies of letter dated XX/XX/22 to PRA PRA is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me. I am not aware or nor knowlege of this debt.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Shellpoint must correct the MORTGAGE STATEMENT! This is a continuing issue from Complaint number ending in XXXX. ESCROW balance Shellpoint wanted from me was paid in full @ {$220.00} due to an Insurance error - Shellpoint was to reestablish my mortgage to the sustainable payment agreed upon during a Federal loan modification of {$480.00}. The supervisor agreed and changed my XXXX payment to {$480.00} with a promise that XXXX payment will reflect the same payment of {$480.00} and future payments will be the same. 

As of XX/XX/XXXX the payment is {$510.00} - No errors corrected -- I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/2024 NOT REALIZED!
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (VA)

None of the drop down options explain my problem. There is a collection account on my XXXX credit report. I have asked for written verification of the debt and have not received it. Also, they are reporting on my credit for XX/XX/2017 the same month I received a letter from a different company about the same debt. Neither company have provident written verification.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP (MD)

purchased car in XXXX from Condor Capital Corp. called on XXXX/XXXX/XXXX rep XXXX to request to skip a month payment and add that payment to end of loan. XXXX after keeping me on hold for XXXX minutes informed that if I paid {$370.00} they would let me skip the month -- he informed that supervisor advise. Not acceptable then I requested if I could make partial payments for two month -- XXXX informed me that was acceptable. then he informed me that I had two late payments from XXXX -- never received any notification -- did put in bill payment then cancelled because of no notification or dates. Called around XXXX that invoice stated that I had made a payment then added the same payment -- XXXX informed that he would correct and saw the mistake. XXXX paid {$45.00} for late payment due to the fact partial payments Paid {$150.00} on XXXX ; XXXX paid {$72.00} ; XXXX paid full payment {$440.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid late payment of {$45.00} In XXXX started paying {$440.00} very month. Received a certified letter that On my account # XXXX that I owed {$940.00} called on several occasions where did my partial payment go. No one was able to inform me. Requested a call from a supervisor -- " XXXX '' called when I was at work -- called several times never returned my calls. Received a letter on XXXX/XXXX/XXXX that my check of {$440.00} had not cleared. Contacted them immediately -- no help. Contacted XXXX XXXX XXXX they had to fax the information several times to a " XXXX '' the rep this time was XXXX she was going to send me a report on my payments. XXXX XXXX XXXX found out that they had cashed this check from bill pay then processed again for payment. want to know what happen to my payments.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AZ)

I made a purchase with XXXX to purchase a product from bestbuy. I was charge the full amount for the product at the store by using my XXXX card. I contacted XXXX  to credit the amount back due to me paying at the store. I was told to continue making payments to prevent late payments until the funds are returned back to XXXX  from bestbuy. This continued for XXXX months. The loan was paid but I never received my funds back from bestbuy or XXXX XXXXhe store XXXX  was very rude and refused to help me. The store is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

I can not get a current statement from my lender. Four a while they would not give me a statement at all. I second day air my payment. So I have proof that they received them. So they started moving the processing date up. They always have the payment on the first or second of the month. But when you receive the statment it says I owe two months.
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MA)

Seterus Inc services my mortgage which is owned by XXXX. Over the last 7 months Seterus has initiated an escrow account in which they have tried to place flood insurance on my home even though my home is not in a flood zone. They have attempted to charge me for future property tax payments ... ..even though I pay my own taxes. After much haggling and extensive damage to my credit report ( Seterus absolutely crushed my credit rating because of my refusal to pay escrow ) I managed to get Seterus to take away out the flood insurance and taxes off my escrow account. Now they have decided to start a forced placed hazard insurance policy with their " partner '' and keep the escrow account live. I have no explanation as to why they just decided to impose a hazard policy. Lived in my home close to ten years and never was required to have one. After investigating complaints of a similar nature it turns out this is a common practice among mortgage servicers. They receive kickbacks from insurance companies and charge higher premiums on these forced policies. Seterus has managed to take away my ability to refinance to a local bank because of the damage they have done to my credit rating during by imposing their frivolous and un substantiated charges tacked on to my mortgage. They are currently the target of numerous class action law suits along with other mortgage and insurance companies because of these practices. I would much rather resolve this before taking legal action and any help you folks could provide would be great!
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (IN)

I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (DE)

I would like to state that Equifax is in violation of 15 - USC - 1681 b ( A ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. i demand that they remove these inaccuracies off my consumer report they are hurting my consumer report keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consummer reporting