davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I have requested over 3 times now and since XX/XX/2022, removal of PMI based on an appraised value of my home. I am not claiming that the PMI be removed based on the BPO/evaluation done PRIOR to or during my COVID-deferral. I am requesting that PMI be removed based on an appraisal done now, today, this year. I have asked repeatedly for the next steps to initiate an appraisal- in writing and in speaking with Shellpoint CSAs who have continued to just let me know my account is 'flagged ' - another bullying scare tactic. When I ask what that means to the CSA, they say it's because the HOPA is not allowing PMI removal for my loan and it's based on XXXX for my original loan. AGAIN -- I AM NOT ASKING FOR THE ORIGINAL MORTGAGE XXXX BE CONSIDERED FOR PMI REMOVAL. I AM REQUESTING THAT AN APPRAISAL BE CONDUCTED BASED ON A SIGNIFICANT RENOVATION OF MY HOME THAT INCREASED PROPERTY VALUE, THEREBY ALSO INCREASING EQUITY. Shellpoint has FAILED to review my mortgage file when it came to them for service. FAILED to see that I had recently done a refinance to complete a SIGNIFICANT and PERMITTED HOME RENOVATION which then increase my XXXX XXXX 's value. What in this/my request are you, Shellpoint, not understanding? No matter WHO owns my note or who is the entrusted party overseeing my mortgage, or WHO my servicer is -- I have the right to make a PMI removal request based on an appraised value, and you/Shellpoint have the legal obligation to inform me of next steps to conduct that appraisal of my home. To date, and after many, many months and requests, you have refused to provide that information of next appraisal steps to me. SHAMEFUL and a delay tactic. I want you, Shellpoint, to know that I, as an American Consumer, take your lack of response and consideration very, very seriously. I expect a response to this request re next steps for PMI removal based on an appraised value.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

After months of trying to repair our credit reports they still can not get it right. XXXX. Perhaps it is because they process off shore and while people speak English they do NOT comprehend it? Report XXXX STILL INCORRECT- REFLECTING INCORRECT BALANCES PAID TO ZERO A MONTH AGO! DISPUTES STILL NO NOT HAVE OUR SIDE OF THE ISSUE! AND OUR CREDIT SCORES STILL DISMAL! Why becuase they get thise they can never get it right NEVER becuase they only rrreprot what these loser banks and lenders snd when they send it. They in my opinion totally bias toward them and XXXX the consumer ans does the so called CFPB! Fact by nature of works or NOT! Of course all the XXXX on my report ipacts my wife. Evil knows what to do don't they?
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC Bank failed to properly document this Fraud Claim on XX/XX/22 as indicated by their Call Center Supervisor, in which I am already encountering financial hardships getting to work, eating, and purchasing medication ( in which I need to survive ) saying that it could take up to 10 Business Days. This is extremely unethical and I never received any communication regarding their financial practices, nor to date was I provided a Transaction ID, for my personal records because I do not trust this bank. The call center representatives and supervisors are incompetent. I need my credit expedited expeditiously. To add insult to injury HSBC could not expedite my card, nor have they considered the hardships imposed on my life through no fault of my own. This bank has violated several laws according to the FDIC, by not providing written communication regarding their policies, and will not take the due diligence by issuing the provisional credit, at once, considering the hardships and liability imposed by NOT properly filing this fraud in a timely manner. HSBC Bank was contacted on XX/XX/22 in which the Fraud claim was not submitted, nor did the representatives or supervisor callback ( even though there is a verifiable and updated contact number ). To date I never was issued a confirmation email or any Transaction ID # for my records to follow the status of this claim. This bank is absolutely the worst encounter, and I am calling the local News Media as well as seek my legal options.
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Equifax has not took care of the problem I have an account with XXXX XXXX thats in good standing and they still refuse to put it on I am about to sue there pants off
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (AZ)

I CREATED AN FTC REPORT IN XX/XX/2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM XXXX. XXXX  WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

On XX/XX/XXXX, I checked my credit report and noticed a collection account had been posted for an apartment that I previously lived in. Prior to the account being sent to collections I spoke with the leasing company to dispute the debt as I was misinformed by one of their agents. In XX/XX/XXXX, I expressed to the leasing agent that I could not continuously walk up to the XX/XX/XXXX due to health concerns. At the time aXX/XX/XXXX unit was available, the agent advised she would submit the internal request for me. In XXXX, I went to the office again for which the unit was still available but had been offered to another tenant. I expressed the need for a XX/XX/XXXX unit or I would have to relocate. The agent assured me that if I signed the lease, the company would rescind it if a XX/XX/XXXX unit did not come available before XXXX. I had to sign the lease to keep the renewal rate or my monthly rent would be month to month which I could not afford. I moved in XX/XX/XXXX because I found a unit with no stairs. 
I contacted Ideal Collections Services on XX/XX/XXXX to validate the account with negative results. I requested a validation letter that was emailed to me on XX/XX/XXXX after my request but I had not received a letter from Ideal Collections Services prior to this date. To the best of my knowledge the account was still being disputed with the leasing company as I had received their letters and follow-up phone calls regarding the misinformation. 
On XX/XX/XXXX at XXXX XXXX, Ideal Collections Services offered a payment plan with first payment due on XX/XX/XXXX. I was still attempting to negotiate a settlement with the company and make arrangements that would not cause a snowball effect of my other obligations ; however, I did make the payment to Ideal Collections Services for {$180.00} through my banks bill pay service. 
I feel because I refused to provide my checking account information to the Ideal Collections Services via phone they refused to continue the payment plan. 
On XX/XX/XXXX Ideal Collections Services representative XXXX XXXX advised they would not be accepting the payment and it will be refunded. To date I have not received a refund or the returned check in the mail. 
The entire conversation is available in an email thread to prove their unwillingness and deceptive practices as they delayed responding to my requests via email or made it impractical for me to resolve the matter.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (PA)

I own a small plumbing business and have been struggling to make ends meet since the beginning of XXXX due to COVID. I was approved for a forbearance plan in XX/XX/XXXX by LoanCare, my mortgage servicer. In XXXX, XXXX I was forced to transition off of the forbearance plan and do not have the funds available to pay the back amount. LoanCare approved me for a Deferral Plan on XX/XX/XXXX but indicated i needed to pay a contractual payment of {$400.00}. I mailed the payment in XXXX and on XX/XX/XXXX I accepted the agreement via email. LoanCare cashed the payment and put it towards a regular monthly payment as a suspended " Unapplied balance '' then failed to update my mortgage payment terms and due date as outlined in the deferment agreement. I tried to make a payment under the deferment and they applied it incorrectly. It was applied to a past due amount that was supposed to be deferred. Since then they sent a letter that refer to my acceptance of a " repayment plan '' which would extend my mortgage term for 40 years! Then days later, I will receive another letter talking about about " missed payments '' or an ACT 91 packet. Most disturbing is the way they are trying to mislead me by removing any mention of Deferral Plan as an option for me even though that option should be available to me as a XXXX XXXXowned mortgage. 

I have called numerous times starting in XXXX for an update on the deferment agreement paperwork and when my account will be updated. Each time, I need to re-explain the situation, confirm again that I accepted the deferral plan and do not want the repayment plan. I am told they updated the system to reinstate the deferment update and the paperwork will be sent out. To date, LoanCare/XXXX has not updated my mortgage account with the deferment and I am extremely stressed and concerned I will lose my home. In addition to struggling to save my business, I suffered the devastating loss of both my parents last XXXX and XXXX so am trying to take care of their affairs on top of everything else. 

I have pleaded with this company to process the deferral agreement since i don't have the funds for a repayment and need it done immediately. Since my previous attempts to resolve the issue with LoanCare have failed, I have submitted the attached " Qualifed written request '' to LoanCare. I would appreciate your help to ensure they correct the errors made immediately and freeze any further foreclosure communications or proceedings until this is resolved.
Consumer complaint received 2024-12-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (VA)

Although this collection company was told this collection was due to identify theft, this company decided to change the date of when this XXXX XXXX XXXX debt will fall off of my credit report. Prior to me contacting them and putting a complaint and dispute against this agency it was reported on my credit report this collection over 6 years will fall of my record on XX/XX/year> and today it stated it will fall off on XX/XX/year> after I received an alert from XXXX stating they changed the payment date on my report. There has been no payments applied to this debt as its over XXXX XXXX XXXX. Per the FCRA this is called re-arguing a debt which is a violation. This practice is deceptive and unfair to me at this time as I explained to this company per the State of Delaware, XXXX XXXX XXXX Police Dept that I can not get a police report over XXXX XXXX XXXX as there is a statue of limitation. This company is now falsely reporting information on my credit report to keep a collection debt on my credit longer than it should be.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I have had a lot of transactions with XXXX over the years but lately, for no reason, it takes a tremendous amount of time to transfer money to an account that has been used many times before with an acceptable transfer time of 2 - 3 days but out of nowhere, it takes forever. 
Just finished talking to a customer representative and their partner claims to do maintenance on their system- for 4 days- is that believable?
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (IL)

I have no business with AD ASTRA RECOVERY account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rauch-Milliken International, Inc. (WA)

Below is the email sen to me after I told them the business is closed and the corporation is dissolved. 


Account ID # XXXX Company Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OR XXXX XXXX XXXX  : XXXX XXXX XXXX  BAL DUE : {$5600.00} Court Cost : {$200.00} Attorney Fees XXXX XXXX XXXX  of Principal Balance To date you have failed to pay the outstanding balance owed to our client. It will be our recommendation that all legal remedies available to recover this balance be explored. 



Our client will be made aware that with a judgment on this account, we can subpoena the debtors records which can include checking accounts and tax records. This is done to locate possible hidden or unreported profits. 



Also, after judgment has been attained and assets have been verified, we can file to seize debtors bank accounts, inventory, accounts receivable, real properties, etc. We would work with legal counsel in debtors area who can pursue this matter without delay. Legal counsel may also petition to have attorney fees added to this claim. 



To avoid further action, Please contact this office to make the necessary arrangements to pay this claim. 



You can also make arrangements to satisfy this debt in full by contacting me directly using the below listed contact information, or should you choose you can also submit payment by clicking here XXXX XXXX XXXX XXXX and referencing your Acct ID # listed in the heading of this notification. 



Best Regards, XXXX XXXX XXXX XXXX XXXX  XXXX Direct # ( XXXX ) XXXX Fax # ( XXXX ) XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I just reached out XXXX XXXX XXXX with the no provided on my credit report XXXX i call that no which give option XXXX spoke to XXXX where she ask me my PII after asking her what this situation is all about I never own a card or get any services for vehicle there i own a XXXX  XXXXfrom XXXX XXXX i could not take my vehicle to service any were only the dealer which is XXXX XXXX she transfer me to the main branch within a next department XXXX spoke to the manager XXXX he ask for my name and Ss he said he have nothing in is system for me my wallet was stolen from my place of business in 2017 it seems all my PII was compromised this is the truth I did not do this and all I am trying to get a loan for my XXXX  I am only getting hard copy because of something I didnt do
Consumer complaint received 2024-12-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/year> : I was expecting my direct deposit biweekly pay of {$1400.00}. 
It was posted to my bank account, but the funds were not available. 
I assumed that the only organizations that could garnish the entirety of my paycheck would be XXXX ( Child Support ) or the IRS. 
I suspected child support arrears that were technically owed by me, but forgiven by my children 's mother were garnished, I contacted XXXX and found this was not the case. 
I then suspected that it was the IRS and I had maybe owed taxes and made an error when filing taxes. I contacted IRS and found that it was not the IRS. 
by the time I was able to confirm these were not the source of the garnishment, my next payday rolled around, and yet another entire paycheck was garnished. I am now facing financial trouble, and unable to pay my bills that are due, ( mortgage, phone bill, car insurance ) I contacted the credit union to find out source of garnishment ( should have thought of that to begin with ) I am told it was collected in behalf of Credit Acceptance Corp. By XXXX. 
I attempt to reach out to XXXX  in hopes to form payment plan and lift garnishment by phone and by email. 
Left a voicemail.

3 business days later, no response at all.

I had to get an advance from my employer and will be facing serious problems if I continue to not receive my pay, and I still have gotten no notice and no response as to these attempts to collect this debt. No mail, no phone calls, nothing.
Consumer complaint received 2024-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Army and Air Force Exchange Service (WA)

ECP has been saying I haven't been making payments and they know they double take my payments and pull out the pay/funds when XXXX money or little money in the XXXX account. 
I have a proven history of always making payments of not early on time. XXXX says ecp has a tendency to tell customers " did not receive payments " even they did to extract more money
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under SECURITY CREDIT SERVIC with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. 

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Contract Callers Inc. I did not open or authorize the account that you are reporting a balance of {$2200.00}. This fraud account was not opened by or used by me. I've never had any obligation with you or the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.