davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

Your office advised on  XXXX / XXXX /   17  that a missing items letter was sent on  XXXX / XXXX / 17 , which that letter has still yet to be received - we were told we had until  XXXX / XXXX /   17  to provide the missing items which were 30 days of consecutive paystubs - we were told today  XXXX / XXXX /   17  that the file is complete and those docs needed were in fact received on  XXXX / XXXX /   17  as stated in the missing items letter - today  XXXX / XXXX / 17  we were advised that the file is complete but the review would not be completed and the sale would not be postponed for the review because it was to close to the sale date of  XXXX / XXXX / 17  - this file is being deemed complete in accordance with your missing items letter, therefore the file 's review should be completed in accordance with RESPA and you r OWN  missing items letter.   Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents w ithin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 (  g ).
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: APEX Asset Management, LLC (FL)

: Apex Asset Management Inc, XXXX XXXX, XXXX PA XXXX Placed derogatory information on all three credit bureaus for {$130.00}. I sent them a letter to validate debt in XXXX 2016. They sent a copy of a bill and I have no recollection of same. Additionally, they are required to be licensed by the State of Florida to pursue credit collections here. They are not licensed. On XXXX XXXX, 2016 I sent them a letter asking for a copy of their license. To date I have no response and their information remains on my credit report.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Bank of America to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Bank of America 's request for additional information. I did not receive Bank of America 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Bank of America and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (NJ)

On XX/XX/2021 I called in to Continental Finance Company regarding an annual fee, was in seek of a potential waiver or reduction. I explained to the representative that I would potentially consider closing my account because I dont use the card often. We had a discussion and he explained he was unable to grant a fee waiver. I ended the call. I never gave him authorization to close my account but I believe he did so out of retaliation because I hung up the phone. I mentioned I considered closing my account but did not state affirmatively that I wanted the account closed. I called back and spoke with a manager who reopened the account and escalated my complaint but I wanted to take it a step further because this rogue employee has negatively impacted my credit by lowering my available credit and now triggering a new account on my credit report when its actually aged.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

Southwest credit systems has reported an alleged debt in the amount of {$50.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Southwest credit systems obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Southwest credit systems on XX/XX/2021 and I await a response.
Consumer complaint received 2015-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I had a house ( bought in XX/XX/XXXX ) put {$65000.00} of my own money into. I could n't make the payments on without a loan modification. At the time the mortgage was held by XXXX XXXX. We were working on a loan mod. I was making all payments and complied with all requests to get the loan mod. Suddenly my mortgage was sold to GREEN TREE. At first they did n't want to honor the deal I had going with XXXX XXXX, but finally relented. We worked out a 6 month deal that if I made my new amount of payment for 6 months we couls work out a loan mod. I did. The deal they offered me was the amount I owed on the house plus the amount of missed payments and they were going to work out a kind of vraiable interest rate. something like 3 % first 3 years 4 % next 3 years and then I think is was XXXX the rest of the loan. Totaling somewhere around $ 250,000+ for a house worth around {$160000.00}. I counter offered at {$170000.00} 5 %. They immediately said No my house was foreclosed on in a couple of months and sold at auction for {$110000.00}. I wanted to short sale, they said If I could get it done before the foreclosure date which was less then 60 days away. I let the house go. I was beside myself and felt so betrayed.I finally lost the house in XX/XX/XXXX. I just saw that GREEN TREE settled a lawsuit from you with similar cicumstances. I still owe {$49000.00} of the {$65000.00} I put into that house. Can you help me?
Consumer complaint received 2017-07-03
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. (NY)

Re :  XXXX   XXXX  Account #  XXXX  Experian I would like to dispute the validity of account   XXXX    XXXX   XXXX .   I continue to dispute the validity of this account. I request any and all information use to open this account.I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence?   Thank you Sincerely,
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ME)

I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tormey Bewley Corporation (CA)

In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.
Consumer complaint received 2015-08-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, two charges were made on my debit card to XXXX XXXX 's. The totals were {$240.00} and {$79.00}. I did not make these charges and immediately reported them to Chase. They reversed the charges on XX/XX/XXXX. On XX/XX/XXXX, Chase charged me again for these charges. They told me that they had reviewed my complaint and determined that there were no fraudulent charges made. I told them that I did not order these items and also never received these items. I live in XXXX. Chase told me that the items were delivered to someplace in Massachusetts. They said that since XXXX XXXX 's knew my billing address, I had to pay for these items. I have never bought anything from XXXX XXXX 's and have no idea how they would have my billing address, but I never ordered these items. I want my money refunded. The total amount is {$320.00}. I would also like Chase to provide me with the shipping address so I can contact the police in that city and have them open up a crime investigation.
Consumer complaint received 2019-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (CA)

XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating Pendrick Capital Partners ( " PENDRICK '' ) has purchased an account with my name on it. This is a serious  matter because I was a victim of identity theft. And Pendricks has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By Pendricks XXXX because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by Pendricks ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with Pendricks ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As Pendricks ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Item 1 : XXXX XXXX XXXX  account balance {$400.00} is not correct, balance is zero. 

Item 2 : XXXX XXXX  account # XXXX is not on credit report. 

Item 3 : XXXX XXXX account # XXXX is not on credit report. 

Item 4 : XXXX XXXX account # XXXX is not on my credit report.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (OH)

I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Improper use of credit report, identity theft. Please delete following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

Hi, Back in 2014 I filed a CH XXXX Bankruptcy that did NOT include my mortgage lender. I recently noticed that on my Credit bureau report they have it reported " closed for derogatory reasons ''. I have never been late on my mortgage ever. ( I did open a dispute with the credit bureau report services and am awaiting a response ). But I also noticed that my payments which I pay on a biweekly basis with the sole purpose of saving on daily interest in the long run. However appears all my payments are going in a " suspense '' account and not even being credited to my Loan as they are received. This I am confused about? How is this legal they can do this and short me of all the potential interest I could be saving? I have never missed a payment, nor ever been late. This was not filed in my bankruptcy. I am having a hard time understanding. And when I reach out to them I can sit on hold for OVER an hour 90 % of the time. I got a hold of a rep once in numerous attempts who explained this " suspense account '' to me, with no reasoning or explanation as to why. Just said that 's how it is because I am in bankruptcy ( again even thou my Mortgage was NOT included in the Bankruptcy ) So I need to know 1 ) why is this reflecting closed and derogatory on my credit bureau. And 2 ) why are the payments not be credited accordingly to save on the per diem as it should be? Any assistance would greatly be appreciated!!
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OH)

History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.
Consumer complaint received 2017-05-25
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. (FL)

An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC. (FL)

Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management , Inc. has aggressively and illegally continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.