davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My wife and I took advantage of fully allowed mortgage forbearance for 18 months ( from XX/XX/XXXX thru to XX/XX/XXXX ) due to the CARES act and Covid -19. 
Our forbearance plan is due to end XX/XX/XXXX and normal/ regular payments are due to resume/ due date XXXX. 
Since, the process began, we were led to believe, that we could defer our forborne amount to the end of the existing loan, i.e it then being payable at the maturity of the loan.

However, the company ( RoundPoint Mortgage Servicing Corporation ) in question has since " revised '' their website and we can not see our payment history anymore. Thankfully I printed out a " history '' of transactions from XX/XX/XXXX up to and including XX/XX/XXXX, which shows the principal balance owed at that time. 
However, I was about to set up my XX/XX/XXXX payment due, yesterday and to my dismay our, " new '' mortgage balance has increased by approximately {$11000.00}!!! 
I spoke with the company many times over the last 18 months, to ensure that " nothing ' with regards to the amount owed would change, as we did not want a loan modification, even though they have sent us a letter as recently as yesterday XX/XX/XXXX ( dated XXXX ) saying that is what we have done??? We can afford the mortgage payments and do not need a loan modification, but their ability to explain this is futile ( last phone call yesterday, ( XXXX ) to the company I requested to be transferred to a supervisor, that promptly got hung up on!!! ). Therefore, I feel that due to lack of transparency and inappropriate increases to our mortgage balance, I had no other choice to make a complaint.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (KY)

I started receiving phone calls from a company called Harris & Harris , LTD a debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX after several phone calls from them at all hours, I sent them a debt validation letter via regular USPS mail , and in my correspondence I requested to be contacted via USPS mail only and NO PHONE CALLS. 

I received no response to my letter but the phone calls kept coming. My attorney advised me to send another debt validation letter via certified mail which I did. I sent it certified on XX/XX/year> and Harris & Harris received it on XXXX. USPS tracking # XXXX. 

I received a phone call on XX/XX/year> @ XXXX XXXX from Harris & Harris. They will not respond to my asking for validation of the alleged debt.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (SC)

I believe the company is Elan financial services identifying themselves as XXXX on the phone XXXX ( XXXX ) XXXX and XXXX cardmember services or just cardmember services XXXX XXXX XXXX XXXX mo XXXX through the mail. Was told by a rep they were XXXX ( my bank ) until XXXX when I spoke to a supervisor about them calling me 8 times a day. Supervisor told me it was XXXX and not affiliated with XXXX in any way and that calling more then XXXX times a day was against their policy. I told them I couldnt get money in my account as my banks atm had been down for a month and I couldnt make a payment. It was fixed toward the end of XXXX and I tried to get it caught up. On XXXX XXXX the atm was robbed and completely disassembled in broad daylight. I told Elan this and was told they would just continue calling daily until I made a payment. In the past 2 months XXXX through XX/XX/2022 they dont even identify themselves anymore they call and hang up immediately. While writing this I got a call from them actually talked to someone and asked for a supervisor as I was telling her they hung up on me every time she hung up on me. This time it was on speakerphone and my fianc heard them hang up on me. Ive included the numbers they call from and pictures of the mail they have sent me on witch they are just identified as card member services.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I made a purchase from XXXX ( " XXXX '' ) on or about XX/XX/2016 and used XXXX credit cards to pay for this purchase -- Amex and XXXX Master Card. XXXX failed to deliver the merchandise in the condition promised and I refused to accept delivery. I disputed the charge with both, Amex and XXXX Master Card. After a lengthy investigation, XXXX resolved the dispute in my favor and issued a permanent credit. Even after XXXX has accepted return of the merchandise, Amex continues to refuse to resolve the dispute in my favor and issue a permanent credit.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Since roughly XX/XX/2021 I had someone fraudulently using my card that stole my identity and attempted to change payment method of how the card was paid for and maxed the card out and made multiple payments that went through and kept using the card and all the payments got reversed. I was on vacation and dont monitor the card too much as I always had it on autopay. Would review every 90 days or so to review charges. Upon reviewing I discovered a major problem on both of my XXXX cards. My XXXX card and my XXXX. If you look at my history I have always made my payments. I believe along time ago their may have been a missed payment cause I switched banks and autopay didnt work properly but I have great credit and good standing with XXXX outside that. I attempted to call them to resolve and they said that there is nothing they are going to do. I escalated it up as high as allowed and they said they would not help me and that I owe the balance. This is not credit protection and they in no way shape or form attempted to help resolve the situation. I called several times back to make sure I just didnt get someone that didnt know what they were doing and they tell me the same thing. I have been a long time XXXX customer for close to 10 years or more and always had good standing with them. I am a victim of fraud and identity theft and they acted like they didnt care. I need this investigated cause alot of money has been charged against me that I had no control over and I cant get any cooperation or protection to solve this. I hope you will be able to get to the bottom of this. I have filed every identity XXXX XXXX I can but this is so wrong and I cant believe after so many years of loyalty and business with them that this is how I am treated or is how they think this is ok as to how it should be resolved. I am going to hire an attorney next if they dont resolve this promptly. Thank you for all and any help you can assist me with in this matter. XXXX bless.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST HAWAIIAN, INC. (HI)

Hello, my name is XXXX XXXX. I am reaching out regarding the ridiculous credit denial that I have just been through. Last week I applied for a {$7000.00} loan through first Hawaiian bank to be forwarded from my friend as I am taking over his car. This loan already has a down payment and has already mostly been paid off. I have A max of {$1400.00} in debt which is being paid off as we speak because that amount is negligible. Aside from that I have spent the last year building my credit upwards of XXXX points from the XXXX that it was last year at this time. I have proof that my three credit scores prior to applying for this loan or XXXX, XXXX, and XXXX. Since applying my credit score has dropped XXXX points, XXXX points, and XXXX points respectively. The bank is then telling me that my credit score is not sufficient to support a measly {$7000.00} loan. They are basing their denial off of the credit scores that I now have after their inquiry. This is very unethical and I am very unhappy. I can have this loan paid off in seven months but we applied this loan over the course of two years because that is the current life of the loan and I decided to keep it that way. I have never seen a bank deny a loan to someone with good credit because they are using the post inquiry scores. Please look into this matter on my behalf I am happy to provide any information needed. Thank you
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!
Consumer complaint received 2023-04-03
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/2022
Consumer complaint received 2020-11-25
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. (NV)

These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.
Consumer complaint received 2018-12-04
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. (NY)

I disputed an account that is reporting incorrect information on my XXXX credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If XXXX did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (NY)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 


I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC (TX)

New Era Asset Management has been contacting me numerous times a week and leaving messages saying that legal action will be pursued if I don't respond by XXXX pm EST and/or that I will forfeit any discounts if I don't respond immediately. I received multiple calls per day and XXXX voicemails were left from XX/XX/22 until XX/XX/22, when I spoke to XXXX XXXX. 

During the XX/XX/22 phone call, he told me that I owed an unspecified amount of money to an unspecified lender and that since they owned the debt now I needed to settle it ASAP. I informed XXXX XXXX that I had no idea what debt he was referring to since he gave me no details so I requested a debt verification letter. I provided my updated address for this purpose then informed him that I did not want to be contacted again about this matter until I received a letter verifying the debt ie original lender and amount. XXXX XXXX assured me that he would have the verification letter prepared and mailed to the address I provided. 

XXXX, XX/XX/22, I received XXXX phone calls from XXXX XXXX, who identified himself as a supervisor at New Era Asset Management. His message said, " Hi this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm a supervisor here at New Era Asset Management. This is not a sales call or a solicitation. I'm contacting you today in reference to XXXX XXXX. This matter of yours was forwarded to my office and requires your immediate response. Please return the call as this will be documented as my first attempt to reach you personally. My direct number is XXXX. Call me back please & refer to file # XXXX. This is an attempt to collect a debt & any information obtained will be used for that purpose. Thank you. '' XXXX XXXX then proceeded to call : my mother, my father, and both of my brothers. He left the same message with all XXXX of them even though they have nothing to do with this debt. 

XXXX XXXX not only failed to provide a debt verification letter and honor my no contact request, he also disclosed personal and private information to all of my family members which caused them much worry and distress. Moreover, this company obtained a copy of my credit report using a hard inquiry which is completely unnecessary and which I interpret as an intimidation tactic since hard inquiries decrease my credit score. As XXXX XXXX is surely aware, if he needed to obtain updated contact info his company could easily use a service such as XXXX for this purpose.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received a letter dated XXXX XXXX, 2017 from Citibank Card Services XXXX XXXX XXXX  XXXX Oregon XXXX. It stated that I am being issued a statement credit for {$190.00} for charges for the Identity Monitor program I did not sign up for and cancelled immediately upon seeing the charge on my statement. I cancelled the card years later, and I do not have a Citibank card at this time, and I have not received a credit statement from this bank for years. How can I receive this credit if I do not have access to the card or credit statement anymore? Please help me in this matter. Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-05-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (FL)

I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased XXXX roundtrip airline tickets from XXXX to XXXX leaving on XX/XX/XXXX & returning on XX/XX/XXXX. The purchase price was XXXX {$1700.00} ( XXXX dollars and XXXX cents ). The amount taken XXXX ( service provider/airline ) from my credit card was XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) on XX/XX/XXXX please see Schedules A, XXXX and B, attached. 
Since I initiated this transaction through XXXX, I called them to inquire about the over charge on my credit card in the amount of {$94.00}. Their records showed only a payment in the amount of {$1700.00} so they tried to contact XXXX @ XXXX to clarify this, with no luck. Since XXXX representative was unable to get a hold of the airline he asked me to contact my credit card company to initiate a dispute for said overcharge in the amount of {$94.00}. 
On XX/XX/XXXX, I opened a dispute online with Citi and mailed backup to support this claim. Case No. XXXX. 
On XX/XX/XXXX, I visited XXXX website in order to select seats for our trip and found out my reservation was cancelled by the airline ( please see reservation status on Schedule C attached, it reads " XXXX '' in XXXX, which means Cancelled ). I tried to contact XXXX customer service department @ XXXX with no luck. I called XXXX to verify this new information and they confirmed vendor cancelled my reservation. They asked me to contact XXXX immediately to request a refund. 
On XX/XX/XXXX we drove to closest XXXX offices located at XXXX airport to discuss the cancellation. The representative confirmed the reservation was cancelled and provided screen shot of the airline 's system, see Schedule D. 
Since vendor cancelled my reservation I needed to make sure a refund was processed so I initiated a dispute with Citi Cards Billing dispute department for the full charge on my credit card in the amount of XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) processed on XX/XX/XXXX, see Schedule E. 
Citi Cards billing dispute department sent me a letter resolving that the vendor did n't agree to refund my money because they said I requested a cancellation, which I never did ( see Schedule F ). 
Due to the cancellation of my reservation without my request, I had to buy a separate set of tickets on a later date at a higher price. Since my credit card company has n't credited the purchase amount to my account and it is not protecting my interests by allowing XXXX to keep the money for a service that I will not receive because they denied to provide, I 'm asking for your help to resolve this issue.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX has made many attempts to collect a debt originally granted from GE Money Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist Bank.