davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (WA)

Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

My husband and I had planned a trip through XXXX airlines, but due to Covid, we had to cancel. The extension originally offered from XXXX was about to expire and I needed another extension. I looked online and found the phone number for XXXX, called the number and I explained my situation. They told me that for {$75.00} for each of the two tickets, they would extend my travel funds until XX/XX/XXXX. They charged it to my Visa credit card and I received an email confirmation. On XX/XX/XXXX, I called XXXX to make a new reservation and they informed me my travel funds had expired. I explained that I had gotten an extension but they had no record of it. It turns out that the company I called had no affiliation with XXXX. They took my money and provided nothing in return. I called Visa yesterday and they originally told me " They had my back on this '' and reversed that {$150.00} charge but when I called the fraud department as they told me to today, they told me they could not reverse it because the charge was posted XX/XX/XXXX. I explained that there was no way for me to have known prior to yesterday that it was fraudulent.
Consumer complaint received 2021-06-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Procollect has a charge for {XXXX} reporting to my credit since XXXX, 2018 as well as XXXX XXXX XXXX XXXX in the amount of XXXX}. I've had this investigated by XXXX police department ( police report filed for identity theft ). The apartments had no information to give therefore this needs to be removed from my credit immediately seeing that it is hindering me from somewhere to live! Procollect is extremely unprofessional concerning this matter and I've sent them the police report, which they state they never received ( emailed directly to the email given by representative, sent certified mail as well ). I've also reached out to the credit bureaus and they also claim they never received the police report but that was certified as well. All these people are trying to do is stay afloat since the Pandemic by keeping people in hardship even though its not their debt. This is sad and extremely disgusting that these people are doing this. I have XXXX children and I'm expecting another by the end of this month with no where to properly live because these people have put false information on my credit report! I NEED THIS REMOVED IMMEDIATELY!
Consumer complaint received 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me. 

I bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off. 

I tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date. 

I was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent 3 dispute letters for Transunion to remove this bankruptcy # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with Transunion which means it was not verified and they need to remove it off my credit file.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (NC)

I sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or XXXX. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. They have also failed to provide me with how they verified an alleged charge off when requested or investigate my disputes which is a direct violation of the FCRA. It is the bureaus responsibility to report accurate info at all times.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

Hi, I wired some funds to my family on the XX/XX/21 and it was cancelled without notice or call on XX/XX/21. Re-requested the wire again and it is pass the 3 business days to transmit. They are purposely holding the funds to retain depository balance and using fraud as an excuse. CSR keeps transferring me over to a manager but cycling calls to another rep.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (TX)

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

The company Midland Credit Management has been Harassing me and are trying to destroy my character by reporting inaccurate information to major credit bureaus for a debt they didnt provide validation for. I sent by certified mail a request for validation, a cease and desist letter which they ignored which is a violation of 15usc 1692c and a {$3000.00} invoice for the violations the have committed. My certified mail was sent on XX/XX/21 and received on XX/XX/21.
Consumer complaint received 2021-06-09
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: Professional Recovery Management (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-06-09
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: National Credit Adjusters, LLC (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : New Mexico Zip Code : XXXX Country : USA What happened I agreed to pay {$6.00} for XXXX XXXX XXXX  and was told that I could also get XXXX XXXX XXXX free but was later charged {$6.00} for it.. I did not join their company but was later charged {$92.00} on XXXX and {$88.00} on XXXX. XXXXWhen I called the company to complain I was told I had been given 15 days to quit their membership. I never joined their membership and I never received any documents about this or receipts. The descriptions on my credit card says : XXXX XXXX XXXX, XXXX XXXX and XXXX. I was not able to find any of these companies on the internet. I contacted the company several times at the different numbers listed on my credit card statement and they all sounded like the same company. They always said they could not supply me any documents or pouf that I agreed to any fees other that the {$6.00} andXXXX for the XXXX. They refused to give me a refund of the {$92.00} or {$88.00} that I had not agreed to.. The XXXX  products were from : XXXX XXXX XXXX XXXX XXXX The address I have for the dealer is : XXXX. The address for XXXX XXXX  is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX t. One of the telephone numbers is : XXXX and one of the websites is : XXXX I hope this company is stopped before they commit fraud on other people. Please e-mail me a copy of this complaint as I was not able to print it. XXXX Thank you for any help you can give me. 
How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/2021 {$180.00} Payment Used : How I was contacted : Credit Card Online Ad or Pop-up Details about the company, business, or individual Company/Person Name : XXXX XXXX and XXXX XXXX  Address Line 1 : XXXX XXXX Address Line 2 : City : XXXX XXXX State : Florida Zip Code:XXXX Country : USA Name of Person You Dealt With : unknown
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

Debt that is not mine was assigned to Midland Credit. I have spent months writing and asking for copies of documents. I never get a reply. 

Because I am considering federal employment, I need to get this taken care of. On XX/XX/2021 I sent {$500.00} as a full settlement of the matter with a letter that said if Midland Credit Management accepted the money, it would be settled. I am attaching a copy of the letter here. In the letter I am very specific to say that if they did not agree to the settlement, then they should send the payment back. 

They accepted the payment as evidenced by the letter they sent me, also attached. 

Copies of the money order and the mail receipt are also attached.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

This debt collector Credit Collection Service and there client XXXX XXXX have illegally collected a debt claiming to be charging for insurance allegedly rendered to me. When this collection popped up on my report I was aggravated as I take great care of my credit report so I called them and paid it on the spot. 

I reviewed my records and realized they are charging me for insurance for a property I had already procured insurance through a different insurance company. Therefore not only did I not owe them the money I paid them, the negative reporting on my credit reports is not fair, accurate, or legal. I have attempted to dispute this with the creditor and the credit bureau and they refuse to even respond to my request for written itemization of this debt, and even worse refuse to acknowledge my disputes.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-02-10
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. (FL)

I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IL)

In the month of XXXX we mailed our mortgage payment but it was not shown as received, due to postal delays. We were advised to place a stop payment and make phone payment. We notified them of the stop payment and made a phone payment. 
They applied the phone payment and also attempted to cash the stopped payment. 
We requested a return of the overpayment. They removed this payment from our mortgage record but did not reimburse us. 
Our bank did not process the attempted cashing of the stopped payment. 
We waited for the reimbursement but eventually made a second phone payment to protect our credit rating. 
We have been in contact with SunTrust ( Truist ) bank since the middle of XXXX. We have been reassured on multiple occasions that the overpayment was being made to our bank, and later that it was being applied to our XXXX mortgage payment. 
The executive services department of the bank has begun as escalated case review as of the beginning of this week. 
Despite this we received in the mail today a notification of no XXXX payment receipt and that a late fee for XXXX was being applied.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carvana Group, LLC (PA)

On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CARVANA add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

A couple things. On XX/XX/XXXX I applied for preapproval on mortgage loan. On morning of XX/XX/XXXX my credit score was XXXX. Later that afternoon my score dropped by 17 points. Over the next 2 months I ended up weighing my options between 3 different lenders as I was told is good idea. Between the 3 lenders I had like 5 hard inquiries over these past 2 months and my credit score has dropped 54 point taking out of Good and putting me pretty far back down into fair that I fought so hard to get out of for years. 


Another thing that bothers me is because Experian kept me in low XXXX for years even though I was doing everything right I was only able to get a couple credit cards with {$300.00} and {$500.00} limits. So with such a low limit every time I used one my score would drop like 20 points for like 1 hotel room charge saying it showed me as having a high percentage usage even though its only {$250.00}. I would pay the cards off each week but would take a months for my score to climb again. So I ended up not using the cards at all but I couldnt get rid of them because I needed to have open accounts. To me the system has a major flaw in this regard. I make $ XXXX a year and make enough each week to pay all my debt done to XXXX but when I do charge a few XXXX dollars Experian drops my score like a rock and takes forever for it to climb. In my opinion the credit reporting agencies are a joke! But the problem is even though they are a joke things they do have a much greater effect on peoples lives then the things they do.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NJ)

XX/XX/XXXX COMENITY BANK/XXXX  XXXX INFORMED ON MY CREDIT REPORT THAT MY ACCOUNT WAS CLOSED FOR 60 DAY NONPAYMENT XX/XX/XXXX I CLOSED THIS ACCOUNT MYSELF. PAID IN FULL. XXXX BASED XXXX XXXX NO LONGER CONDUCTING ONLINE MERH AND TO DESTROY CREDIT CARD. I DID AND RID ALL PAPERWORK. 

ONLINE RESEARCH SHOWS COMENITY BANK PULLING DELETERIOUS ACTIONS ON CREDIT USERS FOR HUNDREDS OF ONLINE MERCH AND RUINING AND ATTEMPTING TO RUIIN PEOPLES CREDIT. 

ALL I GET CLOSE TO IS A REPETITION COMPUTER THRU A SITE CALLED RESOLVER. I CAN NOT GET IN TOUCH WITH XXXX XXXX AS THEY ARE DEFUNCT. I CAN NOT GET IN TOUCH WITH COMENITY BANK/XXXX XXXX BECAUSE THOSE BOOKS ARE CLOSED. SO HOW COULD I HAVE POSSIBLY BEEN GUILTY OF 60 DAY NON PAYMENT 3 YEARS AFTER THEY ALLL FOLDED?