davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

My dad passed away in XXXX 2021. SPS sent someone to my dads house on XXXX/XXXX/21, then XXXX/XXXX/21 to winterize it without approval or notice to me. While they were there they stole approximately {$4000.00} worth of my dads ( now mine and my brothers ) property. I called to let the company know, they simply told me to file a police report. There was no forced entry on the house so the only people who had access to the house is the mortgage company, which Im also not sure how they entered.
Consumer complaint received 2020-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (GA)

The company has reported that I have not made any payments however, my bank shows there is a payment made. In addition, to resolve the other payments, I updated the payment method in the app since the account I was initially using was closed. Moneylion still continued to try to take payment from my closed account. Instead of contacting me that there was a problem, Moneylion reported this on credit. In addition, they were falsely attempting payments. The records indicate they could not get payment but I definitely had the money in my account. 

When I called to try to resolve the issue, I had to call 6 times because they sent me the wrong links or were not responding to me saying 'Hello '. I requested a supervisor to call me back and they have not bothered to call me.
Consumer complaint received 2022-05-01
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: NAVY FEDERAL CREDIT UNION (FL)

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Consumer complaint received 2020-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

Loan No. XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Among others, NewRez handles my mortgage payment on the property above. Though I have been making payments on time, due to a clerical error on the part of NewRez, the payments I made were placed in applied status or credited to a different line items. NewRez seems to make this error quite frequently. NewRez has also done this to two of my other loans. Therefore, NewRez not only did charge me with late fees ( subsequently corrected ), but also reported this to the Credit Bureaus. At no time was I late in any of my payments. NewRez seems to have issues with properly handling my payments. I had advised NewRez to correct this oversight and send me a copy of the letter to the Credit Bureaus, I have not received any communication from them. A recent credit check showed that I am late in payment to NewRez. NewRez seems to ignore my communications and phone wait is over 3 hours and the times I have contacted an agent on the phone, they seem to make more problems with the account in entries of my payments. 

I want NewRez to correct their oversight and report this to all the credit bureaus and provide me with a copy of this communication for my records. 

Thank you
Consumer complaint received 2022-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XXXX I told Carrington that I had became XXXX and no longer able to work, that things were getting tight as we are adjusting losing a XXXX salary. They said there is nothing they could do becuase I was current and that I had to be in default before they could help. I said the biggest reason i am having troubles is from them preventing me from refinancing the house and then when they bought my mortgage added fees and raises my payment. They said nothing I they can do until in default. So I stayed current, so then my whole family got XXXX in XXXX wife missed a lot of work my brother had XXXX had to stay with us he passed away XX/XX/XXXX. We were in bad hurt. Then the hurricane hit and wife lost more work so I asked again in XXXX telling them same answer I must be in default first. So then I talked to VA they said I can get disaster relief from storm so I called back they said no I'm not in default. So I waited until XX/XX/XXXX now I am one day in default. They took an app for disaster relief then they told me three days later I couldn't do disaster relief. That I don't qualify for any sort of relief as I am not working but I do qualify for XXXX. So I did that. They said it would stop everything and I can figure things out. Which I thought was perfect im not in a real bad shape I just have to rearrange from becoming XXXX and trying get straight that in three months the money I use on mortgage can clear up and all will be fine. But then a week later the big surprise comes. I get a phone call from someone wanting to buy my house says he can see I am in preforeclosure. What wait how no I am not he knew I was behind and how much that bank sold my information for profit to XXXX who XXXX XXXX XXXX me that and had me drop to my knees in panic. I called bank they said that I still owed for XXXX, yall told me once I filed it would all be handled well not really becuase you filed in XXXX you owe XXXX yall told me I couldn't file until i was in default I know sir I'm sorry that's the rules. She hung up. Yesterday I got a letter saying I owe that one payment plus thousands in other fees it not paid in 35 days they will foreclose. While I'm I'm covid forbearance I need help
Consumer complaint received 2022-05-01
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: Atlanticus Services Corporation (FL)

In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX/XXXX XXXX  XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$4800.00}, XXXX XXXX XXXXXXXX , {$5000.00}, XXXX XXXX XXXXXXXX {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX  {$0.00}, XXXX {$0.00} , has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2019 I received documentation stating that I would be in a settlement class action lawsuit against Wells Fargo Auto because Wells Fargo placed CPI insurance on loan when I already had XXXX XXXX. However, I called to get info in regards to settlement amt and cpi amt. After sending 18 emails and 32 phone calls no one called but 2 times to send check to correct address after that I received chk disputing amt of CPI check because I had coverage with Progessive Insurance dating back XXXX in which I paid because I only paid my insurance 1 time annually. So I'm disputing the cpi amt because I suppose to rcvd chk for XXXX for the 10 mths I had coverage but didnt need it. I sent in proof of XXXX XXXX coverage and punt amt about 12 times to CPI Settlement Info however, on letter I rcvd they stated that I never send it in so I'm requesting Wells Fargo CPI to refund my funds for those mths that I didnt need coverage as well as compensation for my vehicle getting repo as a result of this, credit worthiness, job loss, and transportation costs.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I had a Conn 's account that was 12 months same as cash. I paid it off in XXXX of XXXX. They are showing a XXXX  balance on the account, but that I have a payment due in XXXX of XXXX. Now they have reported the account as delinquent on my credit bureau. I have contacted them 3 times and been told the account would be closed, but it still has not been.
Consumer complaint received 2020-05-14
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. (CA)

Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (DE)

XXXX XXXX XXXX located in XXXX, Delaware made a serious mistake double billing Social Security for 2 visits on the same day and time. XXXX XXXX cleared their mistake up and notified the collection agency Waterfall Revenue Group located at XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, NJ XXXX phone : XXXX who is fully aware of XXXX XXXX XXXX but refuse to remove the unpaid complaint from my credit report.
Consumer complaint received 2022-04-29
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act Accounts with XXXX XXXX XXXX account # ending in XXXX Shows a late payment in XXXX of XXXX. XXXX ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-14
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$3100.00} XXXX XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX  XXXX {$790.00}
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

XXXX has had another debt collection company attempt to collect from an account that is not mine, and I am assuming is a result of identity theft. I have tried to get in touch with XXXX 's fraud division about the fraud email packet I sent, to get them to fix this consistent error, and I have been rudely reject directly from the company several times by phone ( kind of as if that department doesn't exist ). 

This has been an issue since the earlier half of 2022 ( XXXX ). The first collection company I had to dispute was XXXX XXXX. This time it's Enhanced Recovery Co for the same amount, but I do not know the finer details such as the full account number in question. I have never heard of this company before my credit report being flagged for collections as of XX/XX/2022.
Consumer complaint received 2020-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

When i signed this loan I was told my payments would be due on the XXXX of each month, starting XX/XX/XXXX. The company has withdrawn the balance due directly from my account on three occasions, several days BEFORE my payment is due. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Taking money out of my account days in advance of when it is due causes a hardship. 

The company has responded that this is their regular processing and is a matter of timing considering some banks don't release the money right away when a request for a payment is made. 

I want this process of taking money out of my account early to end.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

3rd request Target received a check and cashed it. Someone tell me where the funds are. When I call Target will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress.

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check.

Where is my money.

Why are you reporting charge offs after it was paid. Per XXXXn the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK TARGET TO REIMBURSE LEGAL FEES.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (OH)

On XX/XX/XXXX my daughter moved out of her apartment at XXXX XXXX XXXX XX/XX/XXXX the company billed and withdrew the monthly rent amount from my bank account of {$470.00} for the month of XXXX even though it should have been prorated because the lease ended XX/XX/XXXX. The invoice attached states the billing period was for XX/XX/XXXX through XX/XX/XXXX. My daughter did move out on XX/XX/XXXX however it was after XXXX XXXX so the charged her {$150.00} holdover fee. I paid a full month rent and they have sent my account to collections. If I paid rent for the entire month of XXXX how am I being charged a holdover fee. The rent should have been prorated or the holdover fee should not apply. Myself and my daughter has tried to contact the office but it will only allow you to leave a message and they will not return our calls to discuss the matter. Today we received another notice dated XX/XX/XXXX request payment. I spoke with the collection agency and informed them that I disagreed with the amount owed. He stated that they did not deal in itemized billing and I would need to contact XXXX who I have attempted to contact 8 times since XX/XX/XXXX and have been unsuccessful. In addition they charged {$120.00} to paint a wall that had no damage they was only normal wear and tear.
Consumer complaint received 2020-10-07
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. (VA)

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for me
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

On XX/XX/2022 Servicer XXXX XXXX XXXX sent me another fake PayOff Statement on XXXX XXXX, unsigned and without any references to my alleged creditor On XX/XX/2022 Servicer XXXX XXXX XXXX and their robo-signer XXXX XXXX XXXX XXXX a scanned copy of my Note, which was obtained from some third party sources via XXXX, most likely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Note does not have any endorsements at all, so its unclear to me which relationship has XXXX to my Note ; how XXXX obtained my Note ( if they did ) and from whom XXXX obtained my Note, with the date when my Note was obtained and from whom it was obtained, with the name of an individual who transferred my Note. 

According to XXXX website, the current investor is XXXX XXXX who XXXX confirmed that they have no records about my transaction with XXXX or XXXX XXXX servicing activities. 

This letter was accompanied by unnamed XXXX while its unclear which relationship have these financials to XXXX. Yet, these Financials claimed some Title fees {$300.00} on XX/XX/2022, while I am not aware about any of these charges and who posted them, I demand a legitimate PayOff statement, with full name and mailing address of my alleged Creditor and wet-ink signed by an authorized XXXX of my alleged Creditor. 
I demand explanations which relationship has XXXX to my Note ; how XXXX obtained an access to my Note ; when XXXX obtained access to my Note and from whom. State names of all individuals who were involved. 
I demand a copy of Title documents for which XXXX claimed {$300.00} in charges on XX/XX/2022. 
As of Note inspection I dont want to speak with XXXX XXXX unless he is responsible for debits and credits on a loan account that exists on the books and records of the alleged Creditor. Is XXXX XXXX responsible for debits and credits on a loan account which exists on the books and records of my alleged creditor?
Consumer complaint received 2022-11-18
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: NAVY FEDERAL CREDIT UNION (FL)

Multiple accounts were opened in my name with Navy Federal Credit Union, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to Navy Federal. My identity was stolen. I have already reported fraud to the company Navy Federal on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my XXXX XXXX has been effected.