davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over two thousand dollars worth of payments overtime. About half way through i had logged intoXXXX XXXX to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called XXXX XXXX   to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month XXXX XXXX   has had a collection agency ( ad astra recovery services ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional 1000+ dollars.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (TX)

My mortgage payment is XXXX, has been for over one year. I pay ( except for ONE payment ) XXXX each month and state " difference to principal, which would be {$1.00}. 
Capitol Mortgage Services ONLY applies XXXX cents and so far has REFUSED one phone call, two e-mails and their web site e-mail to credit the principal the difference or even tell me why. 
I pay it, I tell them where to apply and they refuse, won't even tell me a single thing or do a single thing to correct this.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

There was a fraudulent charge placed on my Barclays Jet Blue card ending XXXX. On XX/XX/XXXX {$100.00} was charged to my account said XXXX XXXX on the statement. I had a XXXX balance on the account before this fraudulent charge was placed. Barclays has not removed the charge and have added {$40.00} each month late fee. 
My credit score has dropped 84 points due to this crime.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Komyatte & Casbon, P.C. (IL)

Back in XX/XX/2020, I submitted a payment to the Collection Agency ( Komyatte & Casbon ) in the amount of {$55.00} and asked them to update or remove the negative information from my credit file, along with issue a letter to this effect. To this date, XX/XX/2020, my credit file has not been updated nor have I received the letter stating this account had been paid in FULL. I have called on several occasions and was told this is being processed, but as stated above, my credit files have not been updated.
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am looking for a loan for a new construction for my first time home buyer, I chose Huntington Bank ( XXXX XXXX ) as one of the preferred lender of XXXX XXXX ( XXXX XXXX ) information sent to me via email on XX/XX/20. The process started on XX/XX/20 with a lot found. At this time the pre approval number was XXXX was originated by lender ( XXXX XXXX at Huntington Bank ) amount {$200000.00}. Loan number XXXX. Unfortunately my house did not fit on this land and asked to lender increase the value of land from XXXX to XXXX. The answered was affirmative XX/XX/20. I received the new pre approval on XX/XX/20 and sent to bank the lot purchased XX/XX/20. We started over and found the right one XX/XX/20 put in contract and move forward with loan process with an expiration date XX/XX/20, after builder approval. Meantime in between these lots personal documents and communication were sent to the several people including in this process like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX as a lead team and loan officer with a new loan number XXXX. All of them asking for the same information over and over again information that I submitted before. When first closing date, XXXX XXXX exposed that he was not ready to do the closing and I need to extended the purchased for lot, I did second extension on the land purchased final deadline it would be XX/XX/20 which mean next week. He had to created another number for my loan which is XXXX It took over 90 days to tell me that I did not qualify for the loan based on something that should have been discloses on day 03 of the application process. The bank lack of interested in my case and lack of empathy for my case was appalling. Huntington discriminated XXXX and minorities.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC (FL)

this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Consumer complaint received 2020-12-09
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: Waypoint Resource Group, LLC (OR)

On XX/XX/2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I received a XXXX payroll card from my already questionable TEMP hire agency XXXX XXXX aka XXXX XXXX. They claimed this was the only way of getting my paycheck. I had this card for less than a week when I noticed my balance after just getting paid was only {$150.00}. I looked at the history XXXX XXXX XXXX was the only transaction I made personally. I now had 6 transactions from 3 different XXXX  gas stations in the area ( yet different cities ). 

XXXX pending -XXXX  XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$98.00} XXXX XXXX  XXXX XXXX XXXX XXXX - {$99.00} XXXX XXXX XXXX  XXXX Direct Deposit + {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX  customer service said it would be up to the MERCHANT on reversals and that it could take 45 to 90 days for an investigation. They also said they can not stop pending charges ( there were 3 pending when I called them ) and they would have to post before they could do anything. I'm out {$600.00} and no accountability from XXXX  or XXXX XXXX.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

This is a NEW complaint. Select portfolio servicing did not ATTEMPT to collect a debt not owed. They have {$250000.00} for a debt in dispute XX/XX/2020 select portfolio servicing provided a payoff statement in the amount of {$250000.00} to the title company. XXXX XXXX  collected this amount that was wired to sps that day. XXXX XXXX sps returned the money to the title company which because there was no release provided was promptly returned to Sps. Sps then returned the money to XXXX XXXX. XX/XX/XXXX sps received a check for {$250000.00} from my proceeds from XXXX. No releases have been recorded and I still do not have my proceeds
Consumer complaint received 2020-11-28
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. (NY)

Upon review of my credit report ( Equifax ), I discovered there is more than one account incorrect account balances. My records show that I have two accounts with this company the account numbers are XXXX and XXXX Account number XXXX is reporting 4x and according to the Fair Debt Collection Practices Act its illegal to report the same tradeline 4x. I disputed with Equifax on XX/XX/2020 about tradelines with XXXX who are on my credit report reporting 4x for the same account with the same account number. On XX/XX/2020 I received a dispute notification from Equifax and the same information is still reporting on my Equifax report. All 4 tradelines are still reporting.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NY)

I was notified by XXXX XXXX that I received derogatory credit reporting. Trans World Systems reported that I owed XXXX to them. 
I called them earlier and they allege that I owed XXXX to XXXX XXXX for services on XX/XX/18. 
They had no information for me on who made the report or what services they allege. 

As far as I am aware, my account with XXXX is in good standing. Further, I am not in receipt of any outstanding invoices from anyone related to my XX/XX/2018 XXXX XXXX.
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.
Consumer complaint received 2021-04-08
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.
Consumer complaint received 2021-10-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (IL)

CREDIT ACCEPTANCE IS DAMAGING MY CREDIT REPORT THEY ARE CONTINUOUSLY REPORTING INCORRECT AMOUNTS THAT I DO NOT OWE CAUSING LATE PAYMENTS AND DAMAGING MY CREDIT PLEASE MAKE THEM STOP THEY ARE REPORTING INCORRECT FALSE INFORMATION. I CANT RECEIVE HOUSING BECAUSE OF IT WE ARE IN COVID-19 AND THEY ARE DAMAGING MY CREDIT REPORT I CANT RECEIVE HOUSING BECAUSE OF IT. THANK YOU
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (AZ)

In approximately XX/XX/XXXX or XX/XX/XXXX, Allied Collection Services , Inc., ( ACSI ) contacted me regarding an alleged debt that I owe. I did not immediately  recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. About a month of time elapsed and I never received the written validation. I called them back approximately at the end of XX/XX/XXXX or early XX/XX/XXXX. I notified them that I still had n't received the written validation for the alleged debt and requested that they immediately send it to me. I still have n't received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Consumer complaint received 2020-08-30
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. (TN)

Checking my credit report I see Experian has lowered my credit score.  The last time I checked my score it was XXXX now it's dropped to XXXX. I pay my bills and I just wonder why this is happening. Experian is a XXXX  company and this can be proven 100 % In the report it says exceptional next to payments so why would my credit score drop so much? They just want to keep the XXXX Americans to have anything in this world. They want you pay them them {$14.00} to upgrade your account so I guess if you don't they lower your credit score, enabling you to not to able to live!!!!!!!!!!!!!!! Very XXXX company they are
Consumer complaint received 2020-07-21
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. (FL)

XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

This is a complaint is to request an investigation of payments made on card that allowed the credit limit to be exceeded and about an exasperating 3 years amount of time. It is the end of XX/XX/2020 and I have made several to many complaints. I have yet to receive any details of investigation other than the elementary no evidence of fraud was found. Large, successive, multiple, and without a doubt, fraudulent payments were made on the card and then bounced. Researching the payments should have been routine but was not part of the investigation. How many people have faith in big business to be hi tech and professional companies to always be one step ahead of the many thieves. How many fraudulent payments would have to be given the person reading this, me, or the CEO of this company before we are alerted? Several were made and then I was penalized.
Consumer complaint received 2017-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 
2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 
3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. 

Thank you for your attention to this matter,