davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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: CORELOGIC INC (TX)

XXXXXXXX XXXX Account  XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The information you disputed has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated all filed to the ftc wrong address and names need help removing fraud alert from all 3 companies
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested on XXXX 2015 for Capital One to have my credit card closed and I paid my account in full. Capital One put the account in restriction mode and they have assessed their bank fees for annual fee, interest fee and late fee on an account that I requested closed with a zero balance. I am demanding to have Capital One issue credit to account. I contact them on XXXX XXXX, 2015 to request and the agent was so rude and would not provide information. Her name is XXXX ( would not provide last name ) ID # XXXX, telephone XXXX. 
I asked her why she ca n't provide last name since I provide my personal information she was so rude and stated she ca n't.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (TX)

Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (NY)

XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to UPS Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXXXXXX  XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.
Consumer complaint received 2015-07-24
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Onity Group Inc. (WA)

Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them
Consumer complaint received 2016-03-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (OH)

Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call XXXX.
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

I have been a customer with Santander since XX/XX/2018. At which time I was not advised of the upside loan agreement and after several months I become disabled and I notified the company multiple times advising of my separation from work, consistent hospital admissions and XXXX. I offered to setup payment arrangements and I continued to have my late payments reported to the credit bureaus and was threatened to have my vehicle repossessed. I'm unable to refinance due to the high interest rate and the balance, although I made payments I was told those payments were applied to the interest and the principle balance. When I was by Covid19 I notified Santander and was advised assistance would be provided and that agreement never took place again attacking and damaging my credit score. I was notified in regards to the lawsuit against Santander and contacted Santander and I was advised that information was in accurate. The Truth and Lending Act clearly shows Santander manipulate low income families and refuse to accept responsibility. I'm in desperate need of help at this time with resolving this issue. I have contacted my Attorney General and as of now they were unable to assist. I was advised to review the website https : XXXX? XXXX In regards to updated information, and at this time I'm unable to make payments which continues to affect my credit score.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

Opened a credit card with Toys R Us, Charged less than XXXXXXXXdollars, First bill came and paid on time.Bills stop coming and they contacted me, paid XXXXXXXXdollars over the phone and complained about not getting my statements.In XXXX got a letter from then, i contacted then on XXXX XXXX 2016, now they want XXXX dollars, i told then i did not do those charges and needed my statements from XXXX to XXXX 2016 to dispute the charges.I was told the statements will arrive by mail in 7 to 14 days, that day i changed my statements preference to e-mail.The statements never showed but by miracle the XXXX statement showed up in the mail.Contacted then again, they said the statements were mailed and they were going to send then again, statements never arrived, what arrived was a letter from a collection agency.I have XXXX other credit cards, as of today all are current, own less than XXXX dollars each and never missed a single statement in the mail.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (FL)

I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR  INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX   PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX  FOR THE CUSTOMER SERVICE DEPARTMENT
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL (KY)

i took a certificate of deposit out with synchrony bank. they advertised no cash out penalty. unfortunately my circumstances had me cash out early and they charged me penalty fees. i was told by XXXX and XXXX on XX/XX/2018 that they would charge me fees.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. 

Account number is XXXX.
Consumer complaint received 2022-06-26
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. (LA)

On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Mercedes Benz Financial Services (NJ)

XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. 

They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. 

Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. 

I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. 

Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (PA)

HunterWarfield continues to try and collect a debt which was already paid. Their client -- XXXX XXXX XXXX, already took in full accord and satisfaction payment to resolve all outstanding claims between these parties. A copy of the deposited check and the agreement has been sent on numerous occasions to HunterWarfield, yet they continue to ignore the legal effect of it and report negative information to the three major credit bureaus in violation of the FDCPA.

This will be the last attempt to try and resolve this dispute with the company before a lawsuit is commenced against them for violations of Federal and State law.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

ALLY FINANCIAL inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

I had a home discharged through the bankruptcy courts in XXXX. Since then, Chase Mortgage harasses me on a weekly basis- through mail and calling my cell phone repeatedly. I have no idea what they are after since legally, I am no longer responsible for this mortgage.
Consumer complaint received 2022-10-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have submitted a complete financial documents to my lender Specialized loan servicing and they claim they do not accept XX/XX/XXXX/XX/XX/XXXX Tax transcripts that are directly sent from the IRS they claim there is no schedule C on XX/XX/XXXXtaxes however I think they do not know how to actually read the transcripts. If they look on page 4 of XX/XX/XXXX transcripts Schedule C is at the end which they claim it was not submitted
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (AL)

Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.
Consumer complaint received 2022-02-28
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: PNC Bank N.A. (CA)

Was given a promotion to spend {$500.00} and would receive {$100.00} statement credit back. Still have not received it and called customer service, they stated working on it.
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (NY)

I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.