davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WI)

I took Covid 19 Forbearance program because of the uncertainty and problems that the world was in. I have been trying to get out of the Covid Forbearance since XX/XX/2021. There have been a lot of hoops and limitations on information I have been able to receive. Even though XXXX XXXX very thoroughly spells out the process and information I should be provided in the lending guidelines. 

I eventually got talked into going through the Covid Flex Loan Modification process. They sent a few quotes but they were not straight forward on the information that should have been provided according to XXXX XXXX. Eventually to get my answers I was told I would have to complete the trial payments before I could speak with someone on the details of the XXXX XXXX Covid flex modification. I did complete those payments and received the packet for that modification. The problem is that the number 's did not seem correct. They did not clarify those numbers and they should have been based on the guidelines. 

Those 3 payments were made in XXXX, XXXX, and XXXX. I received the modification documents in mid XXXX saying to have them signed by the XXXX. On XX/XX/XXXX I reached out to my Shellpoint point of contact to get these numbers explained. I was told I would have to talk to a specific supervisor. But reaching them has been next to impossible. That issue seemed to be that these supervisors would call using an automated computer system and my cell provider flagged them as suspected spam because they would not leave a voicemail. Even when specifically put in the call back request to leave a message and send me an email. 

Even when I did talk to a supervisor they needed a different department 's supervisor to explain details about the actual numbers. Which has been impossible to reach. 

My point of contact was able to talk to them an email some of those details. But those numbers physically did not add up correct which was the problem I started with. Besides that I have different starting numbers calculated. 

And through this whole time they have reporting to the credit agency as if I had not made any payments since XXXX. Which is clearly untrue since they have acknowledged the trial payments but does not appear to have processed them correctly. Now having them report the loan is in modification is one thing but now reporting 3 months in a row that I have essentially not paid anything since covid forbearance started is a very different report. 

I have talked to a supervisor about this issue and they did say they would get this sorted out in a few days. That was a month ago. 

Because of all the delays I was worried that I should make a payment. My point of contact advised that I make another trial period payment. Which we did on XXXX XXXX. 

No updates, no supervisors calling, nothing. 

Now I am getting mail saying that I am in default.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Re : Consumer Financial Protection Bureau ( CFPB ) Complaint ID # XXXX, submitted XX/XX/XXXX The issue of the bank not paying our county property taxes from XX/XX/XXXX to XX/XX/XXXX has been resolved with the bank paying the back taxes, interest due, fees and penalties and getting the property out of tax sale status. 

On XX/XX/XXXX a member of the banks executive response team was telephonically contacted regarding the issue of paying our attorneys fees in this matter, which was a part of our original request. At that time that person admitted that the banks vendor, a property data company, was at fault in this matter. That person said that the bank had determined that in their opinion it was not necessary for us to retain an attorney to represent us and that the bank would not pay the attorney fees nor reimburse us for attorney fees. 

We would argue that bank mortgage and tax issues, as well as county government is complex and difficult to navigate for the average person, and that a thinking person would most certainly hire an attorney for representation in non-payment of taxes and a tax sale situation. 
The potential for loss for us, XXXX  the eventual loss of our house for non-payment of taxes, was great, and as noted above the bank has admitted fault. 

We would therefore respectfully request that the bank reconsider and reimburse us for the attorney fee which we have paid for the attorneys representation in this matter.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  # 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 a account without my written instructions
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to TransUnion and XXXX  about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to TransUnion and XXXX. However, TransUnion and XXXX continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX  XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.
Consumer complaint received 2021-02-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (WI)

I missed a payment because somehow my automatic payment was turned off. 
The problem I had with the whole process was that Discover card never sent me any kind of special email to alert me of the situation. I think they should be required to send an email that has missed payment - " ALERT - MISSED PAYMENT " or " LATE PAYMENT '' information right in the heading of the email. They did send me my generic email that they send every month that says my payment information can be obtained by logging in to my account. I thought my account was still on auto pay and when I got the regular email from them the payment information can be obtained by logging in I assumed everything was fine- had some some sort of alert I would have taken care of it right when I found out the payment was late
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/2022 a Bank of America XXXX Credit Card with a credit limit of {$24000.00} was opened in my name. I have called Bank of America 's customer service line XXXX times to have the credit card shut down, often spending 30+ min on hold and constantly getting passed around from one agent to another. To date, I have gotten emails that a credit card has been sent to me, I've called Bank of America to repeatedly tell them I did not open the account. The last call was on XXXX, a month after this account was opened, where I spent over 30 min on the phone with no one to help resolve my issue.
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Erroneous, damaging information was not removed from my credit file. XXXX, Transunion, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (DE)

On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, Jefferson Capital assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from Jefferson Capital regarding this account that has been verified as a fraud. Jefferson Capital has since passed the account to XXXX XXXX XXXX. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.
Consumer complaint received 2021-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

You can not dispute a problem on Line unless you agree to their '' term and Conditions '' This means you Accept their investigations, which do not exist and any response from the companies as '' certification '' s always accepted by the Credit reporting agencies ( the big three ) You can not invoke all rights and none waived ever. I tried to put this in my consumer statements. removed by them.
Consumer complaint received 2021-04-09
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. (FL)

XXXX XXXX  claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with XXXX XXXX I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with XXXX XXXX they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge XXXX XXXX with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it XXXX  XXXX will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Between XX/XX/XXXX and XX/XX/XXXX I purchased several different crypto currencies on coinbase. {$64000.00} USD worth. The value of my account is approximately {$110000.00} USD as of now. For an unknown reason and not upon my request I am locked out of my account in every way. Can not buy, trade, and most importantly sell any of my assets if need be. I was locked out of my account in mid XXXX and tried to fix the issue thinking it was something on my end, but after a lot of research i realized it was coinbase that locked me out, I made 2 formal claims regarding this issue. CASE # XXXX on XX/XX/XXXX and CASE # XXXX on XX/XX/XXXX both describing in detail my situation and I have followed up with several emails and still no response or satisfaction on this matter. I made these purchases on the coinbase app.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

2 payments of {$300.00} were taken out of my account on XX/XX/XXXX. I only authorized 1 payment of {$300.00} for my XXXX car payment with Ally. I called and was told it was a mistake and I would be refunded one of the payments and the other would be applied to my account. After 45 days, I received a notice that my account was past due. Each time I call, I am told that is because I was refunded for my XXXX payment so that my account was no longer in good standing since I missed a payment. I have to explain each time I call my situation and that I was double charged. Each time I call, I am told I missed a different payment ( sometimes I am told XXXX and other times the representative guesses a different month ). Finally, I faxed and emailed my bank statements on XX/XX/XXXX to show the double payment and then only 1 refund. I called and was told they were never received and that I sent them to wrong fax number. That happened multiple times. Finally, it was confirmed that my fax was received on XX/XX/XXXX and that it would take 24-48 hours to review. I called after 48 hours and was told it typically takes 3-4 business days and someone will contact me. No one ever called me. I called in again and was told it was being worked on and to call back in 2 days. I did this multiple times. I finally spoke to a woman that let me know that my extra payment was probably applied to my principal and it would need transferred to my balance due and she transferred me to another person. This never happened. Today, on XX/XX/XXXX, I called in to ask for an update and no one had heard of my case. I had to re explain what happened and the representative told me he filed a claim to investigate. This is now 16 business days after Ally has received my bank statements by fax. I can not keep explaining my situation, as this company is not diligently working on getting this resolved.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ID)

Specialize Loan Servicing applied the {$1000.00} payment I sent XX/XX/2019 to the wrong account. I contacted SLS in Mid XXXX to correct the issue. I contacted them again on XX/XX/XXXX and XXXX. On the XXXX the agent told me the account error had been corrected. When I received my XXXX statement it indicated that the accounting error had not been corrected so I again called SLS.  This time the agent informed me the the error had not been corrected but was under review. Throughout this process they had asked me to send, via email, evidence of the payment being made. Four separate times I sent an email with the cashed check image attached and a corresponding " email received '' notification back from their address ( XXXX  ). During the last time I sent the email I noted a hand written account number ( XXXX ) on the cashed check. It was obviously a SLS mortgage account number but was not my account number. I called SLS, discussed the issue with the agent and gave her the account number. She looked at the account, stated that my payment had indeed been applied to that account and that she would issue an account correction that would take 3 days to process. Three days later I called back, again discussed the issues and was informed by the agent that the account was still under review. 

The difficulty correcting this issue caused me to refinance my home mortgage with a new company. Closing took place 2 weeks ago, I am currently waiting for SLS to send me the payoff statement, refund the escrow balance ( approximately {$2000.00} ), and refund the {$1000.00} XXXX payment plus the associated fees they charged for " late payment. '' All resent attempts to contact their customer service have resulted in extremely long wait times that eventually end with and automated teller saying " we are currently closed for a company meeting. Please call back in 30 minutes. ''
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1.  XXXX XXXX # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT XXXX XXXX 7.XXXX XXXX ACCT # XXXX 8.XXXX ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, XXXX, and Experian still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

As of XX/XX/XXXX my taxes were not paid. I did not have an escrow acct set up. I am on a fixed income since XXXX. I do not recall making any decisions of giving Bank of America the authority to pay my taxes, now I can not financially afford the payment due to this.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

Submitted my XXXX form in XX/XX/XXXX, counts updated to XXXX, on both sequences, XX/XX/XXXX. I had XXXX sequences, and XXXX, the smaller one, XXXX, was forgiven on XX/XX/XXXX. Called Mohela at that time, they were servicing the loans, and they told me to wait 90 days. Called again after 90 days, they told me they are no longer responsible for the forgiveness and to call XXXX. Called XXXX multiple times , was told that there is nothing to worry about, and loans will update to XXXX ( which they have been since XX/XX/XXXX ) and my case would be reviewed, to wait until XX/XX/XXXX and they would be forgiven ( the case for this call was XXXX, I did not get the case numbers for the other calls, as I was optimistic about the process. ) Called Mohela and they told me that I would not have to make the XX/XX/XXXX payment. Mohela now sent me a bill for XX/XX/XXXX, when calling them, they are stating that they do not have confirmation that I've made XXXX payments and that forbearance would end for me in XXXX and to call XXXX to resolve the issue. Called XXXX on XX/XX/XXXX, they confirmed that I have made the XXXX payments required for forgiveness that it would take 90 days, discussed that I've been updated to XXXX payments since XX/XX/XXXX, they voiced understanding and told me that I would need to talk to Mohela again to request forbearance ( case # XXXX, I've started recording case numbers, as every time I call, the servicers are not sure what I'm talking about, and require me to retell the entire story above. ) In short, I just don't know where to go from here, XXXX tells me to speak to Mohela, and Mohela tells me to speak to XXXX. My payments are restarting XX/XX/XXXX, and neither side is willing to help me fix this, and be placed into administrative forbearance and or follow through on my loan XXXX as promised XX/XX/XXXX, to occur within XXXX.