davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

The last charge I made was for the amount of {$250.00} which I paid Macys on XX/XX/20. My card had a XXXX balance. when I received the next statement there was a balance of {$880.00}. Now the balance has gone up to {$1200.00}. I called Macy right away to report to tell them that I did not make any of those purchase. I did not find my Macy card so I told reported it stolen. Macy said that they were going to investigate. They cancelled my card and sent me a new one. The next statement I received, macy took all the changes off. Then they turned around and told me that I am responsible to pay after they investigated some more. At which time a police report was made on XX/XX/20, but macy still holding me responsible for charges I did not make. 
I am asking to please take those charges off my account since I did not make any purchase since I had a XXXX balance on my account. My credit is also in jeopardy for some charges I am not responsible. I also keep being harassed by phone calls. I am confident that you can solve this issue. 
I thank you in advance.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I was notified by my current Mortgage Servicer XXXX that my service provider was changing to Shellpoint. I received the notice from XXXX, understood everything. Received a letter from Shellpoint with instructions on what to do and when. All seemed well until I went to register as directed@shellpointmtg.com. I entered my information and received an email from another company. One that was not disclosed at all in the instructions.That company was called NewRez. There is no mention of this company. I called Shellpoint to confirm this was an affiliate and they confirmed it was. I find it deceptive to not disclose who does what on this loan. So what does Shellpoint do and what does NewRez do. I found when I called in they offered my loan number and my name with out any security verification. I guess calling from my phone and giving the last 4 of my account was good enough? Is it not required for all whom are servicing my mortgage to disclose contact info and what it is that they do? Seems a bit unfair for the consumer to have to guess or hope they are related to the same mortgage service provider.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm (MS)

I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have disputed inquiries on my credit report to XXXX, experian and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (LA)

Citi Bank/Best Buy never sent a statement, pursuant to 15 USC 1692g ( a ) ( 3 ), that I have 30 days to dispute the validity of the debt, or any portion thereof, or the debt will be assumed valid by the debt collector.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was offered forbearance by BOA by email and was approved for 3 months ending XX/XX/2020. I was promised under CARES that I will get up to 180 days extension once this period is ending, but BOA is not approving my forebearance extension for over 2 months now in flagrant violation of XXXX and CARES guidelines.
Consumer complaint received 2020-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion XXXX XXXX, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. 

XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-08
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. (LA)

I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.
Consumer complaint received 2020-10-25
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 am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX XXXX is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!
Consumer complaint received 2020-10-25
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. (MI)

On XX/XX/2020 I sent an additional letter to Equifax considering the incorrect information on my credit report. I also sent a letter on XX/XX/2020 and still didn't get the results that I instructed. I am stressed due to to this incorrect information it has disabled my ability to obtain credit and does not properly show my ability to be a responsible consumer. By law they have not responded within the time frame and are in violation of the FCRA.
Consumer complaint received 2017-12-27
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. (TN)

XXXX XXXX has been reporting negatively with different information on each of my credit report XXXX open XXXX/XXXX/XXXX reported- closed charge off update XXXX/XXXX/XXXX Equifax open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX XXXX keeps reporting the account as active when file a dispute with credit agency when is incorrect. they also send different information to different credit agency which is not consistent. the account has been closed for more than 7 years yet they keep sending incorrect information causing a loss of 80 points on credit report. This company keeps reporting to credit agency as if the account has activity which is does not since XXXX
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

American Express offers the Plan It feature, which allows the consumer to set-up an automated monthly payment for a fixed fee. I have used the feature in the past and have had 3 options for payment duration. However, this has changed, and the number of payment options has been restricted " based on purchase amount, account history, and creditworthiness. '' They advertise " up to 3 different options '' for payment. However, the automated software is pushing me to 24 month payments and not giving other options. This is tricky and dishonest because this will essentially collect the full interest rate ( 24.9 % APR ) on a purchase of {$190.00} ( plan it fee would be around {$49.00} ). If I had the option, I would set-up a 3-month payment, which was available previously. 

To be honest, this doesn't create a huge financial burden for me. But AMEX should not advertise this as a money-saving feature if they are just finding a way to trick consumers into paying the full interest rate by dragging out the payments.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX custody is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I got an  American Express - Bl ue for Business Card, ( it was Interest free for the Ist year )  XX/XX/XXXX , The first payment was not due til  XX/XX/XXXX . I went into hospital w/   XXXX   XXXX   XXXX   XXXX  , I called when I got out and told them I would pay, Obama law says I have 21 days to pay. I did then later pay. {$36.00}. with in limit. then later they stared charging me interest and it got worse. I did not get statements after  XX/XX/XXXX . Then I g ot one statement and they were charging me 75 % interest out of {$100.00}.  Almost everything was going for interest and nothing to the principal. After  XX/XX/XXXX  I made payments total a bout 1000.00 dolla rs and almost everything went to the interest.   I did not get a couple of statements. I called the up at end of  XX/XX/XXXX . I told them I am not in penalty. never. I always paid on time or called. Some one it sealing there money or scraping the  pot. ( so  to speak, Because all that money I paid has gone to interest and not the principal. I did spend a little on the card but I Paid over {$100.00} every time or more.   They never sent me statements I have few, but they are lying and fudging numbers.   I never got anymore statements. I paid twice this last month, {$100.00}. I paid card to get it out of hock. Then they only credited me Like {$72.00} -- This is not rig ht,    XXXX   XXXX   XXXX   XXXX   I have bank statements to prove payments.  XXXX   XXXX
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TX)

Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Collections Enterprise, Inc. (MD)

On XX/XX/2021 I sent a dispute letter to American Collections ENT to the address that is on my Credit Report from XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Letter came back return to sender.
Consumer complaint received 2021-09-22
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. (SC)

I am exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I started to invest in the website XXXX. I wire money into the account XXXX time of {$1300.00} on XX/XX/21 from XXXX XXXX, {$25000.00} on XX/XX/21 from Chase, {$7000.00} on XX/XX/21 from Chase, {$70000.00} on XX/XX/21 from Chase, & {$47000.00} on XX/XX/21 from Chase respectively. It's a cryptocurrency betting website, that there is a trend that you have to watch. If it goes up and you bet it foes up, then you win, if you bet down and it goes down, then you win too, but if you bet up when it went down, then you loose it all. I am positive $ XXXX in the online currency called XXXX XXXX XXXX that I even took out personal loans for it. {$1.00} = XXXX. Now just last week, I tried to withdraw my funds because I want to pay my loans off, I messaged them everyday since XX/XX/21 to XX/XX/21. They have stopped responding to me after notifying me on XX/XX/21 that the request for my funds have been approved. The first XXXX wire of XXXX, XXXX $ XXXX was send to The XXXX and XXXX Banking XXXX XXXX XXXX XXXX Receiver 's name : XXXX XXXX XXXX Account # XXXX The last XXXX wire of XXXX and XXXX was send to the same bank with the same swift code with Receiver being XXXX XXXX XXXX Account # XXXX. As soon as I realized that I was not getting any response from services at XXXX, I contacted Chase right away as that's where most of the wiring occurred. I was bounced around to different department and was told that none of them handles wire transfers done with the account holder 's knowledge. They can file claims for wire done with the account holder being unaware ... however, they did not have a fraudulent department that handles wires done internationally for their clients when they've been a victim of fraud. I am so lost and my hands are so tied that I don't know what to do. I took personal loans out for this and now, I'm afraid that I won't be able to pay back.
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION (FL)

1. BBVA Line of Credit we had matured XX/XX/2020 no lates payments ever on this loan. 
2. BBVA said they were going to not renew our line. 
3. BBVA said they were going to offer us a term loan alternative. 
4. BBVA stop communicating to us XX/XX/2020. 
5. BBVA sent a collections letter .6 BBVA we called collection center explained to them were waiting on the loan or renewal program. Bank rep asked if we were experiencing COVID funds issues. We explained yes they stated a ticket number on the file. 
7. BBVA second talk they said due to COVID they would renew the line and remove bad credit marks.

8. BBVA has again cut all talks with us 9. BBVA is now reporting 30-60-90 days late on our credit report the only bad debt I have ever had and we never missed a payment due from them not offering to let us pay. 
10. They have made no attempt to contact me, negotiation with me or update me since late XX/XX/2020. 

The core is they offered me a renewal and stated on there recorded line they would remove bad credit marks and allow us to regain payment records on this loan Prior to this we never had one late payment to them and keep a perfect credit file. 

Please help us with them they are not operating fair.
Consumer complaint received 2020-10-25
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. (MN)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX, Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney. 

Balance on XX/XX/XXXX Loan Amount {$1700.00} Original Loan Amount. 
{$1200.00}. 

I have made calls to rectify this. 




These were for medical bills. 
These reported collections are innaccurate and are being re-generated and are re-generating themselves. I have called on this matter. 
I would like this to be investigated and removed.