davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX To Whom It May Concern, This letter to explain the journey before and during COVID-19. I need Shellpoint Mortgage Servicing to fix the mistake and remove the late payment reported in the credit report. 
In XXXX of XXXX my ex-husband lost his work after 20 years which was working as XXXX for XXXX Stores in XXXX Florida. 
Since then things changed and we ended up filed for divorce in XX/XX/XXXX and finalized on XX/XX/XXXX. 
The forbearance was approved XXXX of XXXX until XX/XX/XXXX and due to Covid-19 circumstance the lender call at the end of forbearance and offer an extension until XX/XX/XXXX. 
My ex-husband found a part-time job at time but it wasnt enough to pay the bills. 
In XXXX of XXXX the Shellpoint Mortgage Servicing called again to know the status of the situation which nothing changed. They extended until XXXX of XXXX the forbearance plan. My ex-husband continue looking for work full time position and no luck. 
They extended again until XX/XX/XXXX and follow up regard to financing situation which still the same. The divorce finalized on XX/XX/XXXX. We didnt have alternative and try to comply with the due date of the forbearance plan. We decided to put the house for sale when the listing start on XX/XX/XXXX. 
The Shellpoint Mortgage Servicing called to follow-up then we notified them the house was put for sale due to lack of income. They agreed to extend again until XX/XX/XXXX. 
We notify them in XX/XX/XXXX that forbearance will expired next day if we need another extension to cover the selling period. 
They said no needed because they could see the house was in the market and nothing will be report to the bureau. The house was pending sale on XXXX and deal didnt go through. 
We notify the Shellpoint Mortgage Servicing and advised us the nothing need to be done at this point and no extension needed it. Finally! We sold the house on XXXX and paid in full. Our mortgage was FHA Loan Number XXXX and qualify for extension up to 18 months. Shellpoint Mortgage Servicing keep telling us everything is okay nothing do to and ended up reporting 1x 60 days mortgage payment late. If the forbearance expiring 18 months after the initial request XX/XX/XXXX then will expires on XX/XX/XXXX. Why 60 days reporting on my credit report.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (CA)

I am filing this identity theft report in response to the derogatory remarks that APPLE CARD ( GS BANK USA ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with apple card. However, apple card is reporting a fraudulent account to the credit reporting agencies with a balance of {$24000.00}. Immediately after I noticed this account, I contacted apple card GS BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that APPLE CARD/GS BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2024, at XXXXXXXX XXXX, Portfolio Recovery initiated communication with me, leading to a subsequent call to their office. Throughout the conversation, they requested my personal information, a request I opted not to fulfill. I explicitly communicated my request for a cease and desist, yet the representative indicated that compliance was contingent on providing personal details to Portfolio Recovery. It is crucial to note that I neither supplied them with my information nor granted permission for contact in any manner or timeframe.
Consumer complaint received 2022-06-16
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: U.S. Auto Sales Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-16
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)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

My American Express Simply Cash card does not allow automatic payments nor does it provide normal statements online. 

This leads to claims that one has not paid the balance off but you can not determine what the statement balance is. For example, I had {$0.00} payments or credits XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX shows {$270.00} payment and a charge of {$270.00} ; and XXXX to XXXX shows me paying {$1100.00} on XX/XX/XXXX and a charge of {$270.00} on XX/XX/XXXX. I paid that high amount because Amex claimed I had late payments and fees and I was paying the balance up to date so as to avoid fees in the future. Today I was told I owed {$400.00}. Customer service is telling me that I was charged {$70.00} XX/XX/XXXX but it is not on the billing statement I can access. Customer service is also telling me the statement is for {$360.00}. It's totally misleading and impossible to verify! 

I am cancelling my card as soon as this is resolved, but this card is purposefully obfuscating billing and charges to induce late fees.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX my Citibank checking account was closed without warning. They are not giving me any access to my remaining funds that were available in the account prior to it being closed. Ive reached out every day since and they are not giving me access to my funds. They are abusing their power, refusing to problem solve and failing to take action.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (GA)

On XX/XX/2021 I submitted a doesnt validation for validity of the debt, I received a letter from leasing a company not from the company that I sent the letter to. They failed to validate the debt that I had with that I entered a legally binding contract with company with my signature. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MD)

Over 3.5 hours on the phone will Chase bank, had agent pick up only to place back on hold for a another hour. Spent 55 minutes with XXXX. When I asked to file a complaint she advised me to go to my local branch to file the complaint it was closed. Contrary to the information I was provided. I then asked to be transferred and the call dropped while out front of local branch. There was no attempt at call back to resolve the issues. 

I also went to corporate office in XXXX Delaware again, closed. This back is operating with no over site. It has been fined over 44 billion dollars! Yet some how they are allowed to stay in business. Enough is enough. The American taxpayers should not be on the hook for an unscrupulous bank.
Consumer complaint received 2019-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MA)

My mortgage loan was with XXXX. I fell behind and do an application for a repayment plan. XXXX of this year 2019 XXXX sold to PHH mortage. I finished The three month trial payments. I called Phh regarding the end of my trial. I was advised to wait for documents to sign and notarize XXXX I called them two weeks later telling them I have not received anything I was advised to continue to wait. I called for the past two months and no one has gotten back to me Regarding my next payment. 
Now its XXXX  19 and my credit report states I am 120 days behind and I am unable to contact my account manager his email is also incorrect.
Consumer complaint received 2024-03-04
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: HYUNDAI CAPITAL AMERICA (LA)

Ive tried to contact XXXX XXXX the original claims support manager about my account, she isnt answering or responding to any voicemails I leave. I had an account reported to collections as a bad debt due to Kia not providing myself of the collection agency with the information we needed to understand how I still had a balance after my car was totaled loss and paid off by my insurance/ gap company. I originally was not avoiding my debt but was trying to understand where the balance came from and in between all of that we have never received any information requested from Kia, meanwhile Kia reported to my credit as a bad debt and that was never the case they failed to provided me any information so I can pay this loan on. I settled this debt with Kias collection agency on a settlement amount and Kia still has on my credit report as if I owe them. Which I dont. 
I can be contacted at XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CO)

My mortgage is held by Truist Bank. My homeowners policy was scheduled to renew XX/XX/XXXX. Approximately one month in advance of the renewal, Truist paid the renewal premium to the carrier. This caused by monthly mortgage payment to increase because the renewal premium was expected to increase approximately {$1200.00} annually. I called Truist and advised them that I was changing insurance carriers to because I was able to get a rate lower than I had in XXXX, so my monthly payments should actually go down. Because they had already paid the renewal, they indicated I would have to wait for the original carrier to refund me. I would then need to refund Truist before they would recalculate my payment. 

When I called back to advise Truist that I had refunded that money back to my escrow and wanted my payment recalculated, I found that Truist had made another payment to a carrier for a policy that is NOT in my name, NOT for my address, and has NO affiliation to me whatsoever. That payment was for the amount of {$6700.00}. They told me I would have to continue to pay the increased monthly rate until they got the money back from the erroneous payment, even though it was not my error in any way. To date, the have refused to issue a credit back to my escrow for their error. They said they could " request '' a corporate payment back to my account, but that it would take at least 15 days. This never occurred. I have called and spent hours and hours on the phone, but the situation still had not been corrected. They told me endless times that they WOULD NOT recalculate my payment, even though they were aware of the error and that I was in no way at fault. Over the weekend I received a notice from Truist that my payment would be going up another {$810.00} per month because of a recalculation that they did with the erroneous payment. 

I have received no calls back from Truist and have continued to have to call them over and over to get this corrected. They are penalizing the customer for their own errors and have not corrected the situation.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage had threatened foreclosure. XXXX XXXX XXXX  was hired and XXXX XXXX Bankruptcy was filed. I was advised by my lawyer at XXXX XXXX XXXX to avoid foreclosure and work with loss mitigation sign a Deed in Lieu of Foreclosure. 
Carrington Mortgage loss mitigation was contacted, Deed in Lieu documents were provided, completed and sent via XXXX  back to Carrington in the beginning of XX/XX/2020. 
Recently when we were trying to buy a home, we discovered the lawyers for Carrington 'sold our home as a foreclosure ' even though the Deed in Lieu was signed. 
Not only does our credit show a foreclosure, but with the foreclosure, the second mortgage was not paid off. The Deed in Lieu would have cleared the 2nd mortgage as the mortgage insurance would have cleared any and all liens on the property. 
I have made multiple attempts with Carrington to alleviate this situation to no avail. 
We are unable to purchase a home and are having an extremely difficult time even trying to find a place to rent. Our lease expires in one month and we will be XXXX  at that point.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MT)

On XX/XX/XXXX my Chime ( online bank ) debit card was used in XXXX transactions in Florida. The first was {$8.00} at XXXX, second was {$100.00} at XXXX XXXX, XXXX was {$100.00} at XXXX XXXX, and last was {$27.00} at XXXX XXXX I have disputed these with my bank 7 times and every time it has gotten denied. I filed a police report upon my banks request and still have not gotten a different response. Ive provided my address and work schedule to prove that I wasnt/have never been to Florida and still no change.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased two XXXX  gift cards, each for {$500.00} serviced by Incomm. In XXXX, in response to elevated fraud rates, Incomm instituted new security measures. One " feature '' of this system, is that if more than three of these cards are used at the same location in a short time period, across all customers, Incomm will block the transaction. Then the cards are blocked and not able to be used and a replacement card must be issued. 

The card serial numbers are XXXX and XXXX.
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (OH)

My ex sent me XXXX through XXXX XXXX sent it to an account that I don't use through discover I didn't make that account XXXX won't do nothing XXXX  won't do nothing and discover checking said they have up to 90 days to release that money I'm on a fixed income and now I have disconnect notice on my bills I just want my alimony money that is sitting in a closed account I talk to XXXX from the executive office of discover he was supposed to make a decision this week and I haven't heard back from him this happened on the XXXX of XXXX
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (FL)

buy a reservation through XXXX through paypal. The reservation consisted of one night in a hotel with all-inclusive service. non-refundable in case of cancellation. When I arrived at the hotel, the electricity service was going to be suspended, due to problems according to the hotel 's management due to external problems. I ask that my money be refunded because I do not buy a service to be without access or elevator, tv, air conditioning etc. both the hotel management and XXXX refused to refund me. I had to go to another facility paying more. Then I make the claim with paypal credit showing the proofs to return my money to me because although it was not refundable, the installation was not providing the service that I had bought and covered by consumer protection. result none of the 3 gave me my money back. Is there consumer protection or not?
Consumer complaint received 2020-07-06
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: BARCLAYS BANK DELAWARE (VA)

Im XXXX XXXX XXXX XXXX. I went XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this shelter in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports.

15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 604 a section 2 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows XXXX has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX XXXX reporting a balace of XXXX experian reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX XXXX XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX  # XXXX on all three reports {$880.00} XXXX  XXXX # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX  # XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete