davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I have diligently followed all the necessary steps to dispute this account. I've reached out to the bank regarding this issue, and they assured me it's been resolved. Additionally, I contacted law enforcement and filed a report and affidavit, validating the identity theft report. XXXX has complied with legal requirements and removed the accounts, yet XXXX seems to believe I haven't completed all necessary steps. 

AMEX XXXX. 

Despite my efforts, XXXX continues to deny my claims, citing invalid documents. This marks the several complaint I've filed against them, each time receiving the same inadequate response. It appears there is a failure on their part to fulfill their legal obligation to process the identity theft report properly. 

I have submitted reports to a law enforcement agency, including Identitytheft.gov, a federal law enforcement agency. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this matter, as it seems XXXX is neglecting their duty in handling identity theft reports. 

The stress of dealing with identity theft and the resulting lack of access to my credit is taking a significant toll on my emotional and physical well-being. It's affecting both my professional and personal life, and I feel overwhelmed as I have no other recourse. 

I want to emphasize that I am the sole individual submitting this complaint. I have not enlisted the help of any third party. I implore you to address this matter urgently.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Shellpoint mortgage is a horrid company which lacks structure or ethics. This is part two of my original complaint. The first time, my account was setup on autopay. The account never drafted the subsequent payments, athough the first two payments drafted fine. After a lengthy phone call and being told they could not understand the problem, I was told everything was fine and my account was current. Then I received a letter today, XX/XX/XXXX, statiny my account is past due and they will begin to accelerate my loan. Again, this is unbelievable since I have made multiple phone calls and received emails and spoke to representatives. I was told I am 100 % up to date, and my issue has been resolved. I believe this to be either incompetence or retalitory, as I am refinancing my home and Shellpoint will lose this mortgage. Not only did I pay everything at one time, I followed up to ensure that the XXXX autopay draft took- it did, and my account showed up to date and additional principal payments applied. NOW they state they will begin to accelerate my loan AND that I owe {$130.00} in fees- or I'm not even sure what. Then, they misplace several payments, and send me three pages that made no sense explaining where everything went. How is this company permitted to stay in business? They are predatory, unethical and incompetent. I have never paid a mortgage payment late, and I have multiple mortgages. This is the ONLY company i have ever had an issue with, and they should be shut down for fake fees and misappropriation. Attached find the documentation, sent to me five months after they took over my loan, and now are charging me fees and threatening me when they clearly have made these mistakes as shown by the ridiculous transfer of my funds all over the place. I also tried logging into the site on XX/XX/XXXX, and the server was down and I could not get in. I then tried the phone number of XXXX and was told that nobody could help me, I had " just missed them '' even though it was inside the business hours printed on the default and intent to accelerate notice.
Consumer complaint received 2018-06-08
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (GA)

I began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company. 

This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them. 

DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

XXXX XXXX. Sold my information to a 3rd party Debt collection agency without my knowledge. 2. The debt that is said owed is incorrect. 3 The account has been charged off since XX/XX/year> so the information is incorrect. 

By Law and under the Fair debt collections practices, Citi Bank N.A has violated all practices involving collecting a debt. By sharing my information with debt buyers. 

Citi bank N.A. has also violated Taxation evasion. By Law if this account was charged of whether bad debt or discharged it should have been reported to the IRS in XXXX of XXXX. 

As a consumer and tax payer i am obligated to report all charge off or discharged debt as income to the IRS. As I did. 

Citi bank has violated this consumer by breaking the laws of FCRA, Bills of exchange, Tax laws of the US.
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WA)

Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} XXXX in XXXX  XX/XX/XXXX XXXX {$60.00} XXXX Web XXXX XX/XX/2018 XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$58.00} XXXX XXXX XXXX XX/XX/2018 XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX I live north of XXXX, XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until 1-2 days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a XXXX account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from Convergent Outsourcing, a collections agency for XXXX. I was confused, so I called XXXX and that's when I found out that there was a second account that had been opened. I have my own XXXX account that I use regularly and keep up-to-date for payments. 

I told XXXX that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized XXXX account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that XXXX 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with XXXX, Convergent, and my credit card trying to resolve this. XXXX has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the XXXX account.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage was switched from XXXX XXXX to Freedom Mortgage XX/XX/2021. Freedom said my insurance went up & is charging me around {$200.00} more for escrow. However, when I check the paperwork, neither my homeowners insurance, property taxes nor their FHA payment has gone up enough to charge an extra {$200.00} a month. 

I questioned Freedom, and they sent me a loan history, but I still can't see where the extra {$200.00} is needed. I'm a college graduate majoring in XXXX, but I'm still having trouble trying to see where the extra {$200.00} is warranted. 

I have contacted an attorney who is experienced with Freedom Mortgage & they don't seem to have a great reputation ( even according to your archives ). However, they want {$1000.00} up front. I don't mind paying an attorney if I can see that Freedom is in error, but I just can't see from the loan history they sent me where the extra {$200.00} charge is from.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I have been calling all day at least 6 times. XXXX and XXXX and others hung up on me. I am trying to locate XXXX, XXXX statement. Citibank has no idea. I had to come home to give them account number. They still hang up on me.
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (TX)

I signed up for loan forgiveness with Equitable Acceptance. Upon further research I found out from my lender Equitable Acceptance can not forgive my loans and is in no way providing any loan/debt relief help. I was further informed that no such company exists that can offer loan forgiveness and I need to take action to cease communication with these scammers.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

* I bought an XXXX XXXX ticket which showed me total ticket price of XXXX * I paid this payment by one of my bank of america credit card ending with XXXX XXXX Now the bank of america shows a Foreign transaction fee of XXXX. 
Complain : I am in USA physically, open the website in usa, bought ticket while I was in USA, XXXX XXXX site does not state that the transaction will take place out side USA, bank of america does not say that this site will be considered a foreign transaction, then why I am being charged. Bank of america should clearly state me on each charge that this would be extra fee or say this is foreign transaction. 
Website itself does not declare it. Pls assist me getting these fee back. 
Thanks, XXXX.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (FL)

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 
I contacted XXXX  on XX/XX/XXXX and they advised that Shellpoint Mortgage reported that 1st Delinquency XX/XX/XXXX, which per FCRA and FDCPA it will remain 7 years after reporting of 1st delinquency till XX/XX/XXXX. 
This account is an old account, it is delinquent and 1st Delinquency date is XX/XX/XXXX. Also this Account was filed in court and dismissed. The court documents filed shows that 1st Delinquency was XX/XX/XXXX. 
I disputed all credit bureau reports, I explained what I noted above, the results came from Shellpoint Mortgage services with barely no change. They did not remove it from my report I sent a letter to Shellpoint Mortgage Services explaining the same. No response. However they updated my reports as I noted above. 
They are in violation of the FCRA and FDCPA. It is affecting my life and my credit worthiness. I have a score of XXXX average before this inaccurate reporting by Shellpoint and now I have XXXX average.
Consumer complaint received 2018-06-12
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. (MI)

XXXX XXXX commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the XX/XX/XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate
Consumer complaint received 2020-07-13
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. (TX)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX{$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXX {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations
Consumer complaint received 2020-07-13
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XX/XX/XXXX XXXX 1st reported date changed DEPT OF EDXX/XX/XXXX XXXX 1st reported date changed 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2018-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I got an alert that a data breach was found and my info was stolen. I now have a XXXX XXXX XXXX XXXX & a Bank of America credit card on my XXXX XXXX credit report, my identity was evidently used and stolen. Ive lived in XXXX ohio since i was XXXXyrs old n now im XXXXyrs old ... i did not use these 2 strange accounts and they are very recent. Im upset and can provide any info to prove im not guilty of these. I can be reached at XXXX XXXX my name is XXXX..and id like to file a dispute with XXXX XXXX and anyone else for that matter. Now i have to change my password again. Thank you for your time
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I researched credit cards which offer no-fee balance transfers, with an introductory no-interest period of time. I found several choices, and I have the credit and income to be selective. I decided on American Express and applied for and received the Amex Everyday Card, with a credit limit of {$25000.00}. After I received the card and set up my online account, I attempted to transfer a balance from another credit card, but I was prevented from doing so. I was told that there is a " balance transfer limit '' of {$7500.00}, in spite of the fact that my credit limit is {$25000.00}. I was aware of this, so I called and spoke to a representative. I was told this can not be changed. I asked where this information appears in the application process, and I was told it is in the " terms and conditions '' somewhere. I explained that I would not have opened the account had I known this. It is absolutely not clear in the application process. It may be there somewhere in some way, I assume it is now that this problem has arisen, but the application process is clearly designed to effectively hide the separate " balance transfer limit '' from the consumer, which is less than 1/3rd of the " credit limit '' and which can not be changed under any circumstances whatsoever.
Consumer complaint received 2020-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

I fell behind on my mortgage because my mother was living with me and contributing {$2500.00} into the household income and she passed away. I then applied for a loan modification and was denied. My income between my pension and social security income is {$4300.00} monthly and my unpaid balance on my home is {$240000.00}. With the low interest rates I did not understand how they sent me a denial stating that my income was insufficient. I was also denied due to my hardship not qualifying. I called my lender and asked for more information including the value used and how the value was derived. I was told to contact my lenders counsel. I did and was unable to get a copy of the valuation, I began requesting this information in XXXX and it is now XXXX. I also asked for the net present value used in the modification underwriting. I was told that it would be sent to me and never was, they just continue to send the denial missing the information I am requesting. It has been 6 months and they will not share the documents. Also, I am in a XXXX and over community and had to leave for almost a month when the quarantine began, I also had to pause my home based business. Homebridge Financial is refusing to  give me the forbearance under the CARES act stating the firms procedure, however I was under the impression that everyone who had a hardship qualified. I thank you for your assistance in this matter.