davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

NewRez LLC d/b/a Shellpoint Mortgage Servicing is refusing to update my account accurately, and illegally attempting to collect {$38000.00} that was dismissed with XXXX in court. They took me to court in XXXX, and the document stated that as of XX/XX/XXXX, I was in default of {$38000.00}, they stated I had to pay that amount within XXXX days or my automatic stay would terminate. This order was denied with prejudice ; which means they can not continue to pursue this amount from me in any form. Instead of complying with the court order NewRez is claiming that the judgment was not for the Affidavit of Default they filed. They have provided me with any other documentation to validate that claim at all and refuse to. If they won that case they would have foreclosed my home and put me out if I didn't pay that amount. So I'm confused as to why they seem to think it's OK to continue to pursue money a judge stated I did not owe and denied. 

They are also adding additional charges to my account every month, withholding payments made on my account into unapplied funds for months at a time. I have been trying to get them to adjust my account for well over a year and they continue to refer me to their lawyer, and the lawyer in turn refers me back to them. So I have been getting the run around since my last complaint in which they admitted that my automatic stay was still in place ( this was part of the Affidavit of Default they claim was not denied ). In XXXX ShellPoint Representative sent in response to CFPB File # : XXXX stating that the following balances were owed thru my Chapter XXXX bankruptcy Pre-petition - of {$3700.00} and Post-petition {$5100.00} ( total {$8800.00} ). I have made all of my bankruptcy payments on time since then but yet as of XX/XX/XXXX they are showing my bankruptcy total amount owed {$17000.00}. 

My XXXX balance continues to increase ( negatively ) as well my overall balance due. In XX/XX/XXXX it was showing {$39000.00} ( this was never fixed from the court case ), and today only 4 months later it has increased to {$56000.00} despite me paying every payment since Shellpoint has had my mortgage since XXXX. On top of that Shellpoint is no longer adding my statements to my online account since XX/XX/XXXX for some reason... I guess so I don't have a record of all the new charges they plan to increase my account to.???
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

on XX/XX/XXXX Citizen Bank had deducted ( without notice ) {$1000.00} from my checking account as a payment of the SBA PPP loan, without my permission, which caused my account to be over-drafted, The Bank kept on charging me fees and penalties, then closed my account. 
On XX/XX/XXXX, the SBA had forgiven my PPP loan and paid Citizen Bank the full amount of my loan plus the interest occurred. 
on XX/XX/XXXX, XXXX, I called Citizen Bank customer service, asking for a refund of the PPP loan payment to be refunded to my account and re-state my account, but the representative told me that Citizen Bank does not refund that payments! the customer representative put me on hold for ten minutes, then hang up the phone on me without telling me anything.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX {$6000.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX {$9600.00} Date Opened : XX/XX/2016 Collection XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$5900.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2022-01-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

XXXX, loan servicer indicates resuming payments after Covid 19 hardship forbearance is not an option on USDA GUARENTEED 502 loan due to USDA guidelines, however CARES Act Forbearance Fact Sheet for Borrowers with FHA, VA, or USDA Loans Announcement says : USDA XXXX XXXX XXXX Guaranteed Loan MortgagesHide USDA XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 

If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 

Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written re-payment plan to resolve any amount due or, at the borrowers request, extend the loan term for a period that is at least the length of the forbearance. 

Visit USDA XXXX XXXX coronavirus website for more information on forbearance for USDA guaranteed loans. 

PennyMac indicates precovid delinquent however no indication or notice of payment issues provided by pennymac allowing the opportunity to address. Account reported as current to credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX prior to pandemic.
Consumer complaint received 2022-01-21
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. (MN)

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

On today, Friday XX/XX/2022, I received an ALERT from my, Credit Monitoring Service that my XXXX XXXX had dropped XXXX Points. When I called the phone number associated with this debt that, I know nothing about ( XXXX ) the person who answered the phone, HUNG UP ON ME!!! These people, Ability Recovery Service are a, SCAM. All of a sudden a debt pops up on my Credit Monitoring Service for {$5900.00} that I know nothing about. I have NEVER received anything in the mail from these people. I want this DEBT Removed Immediately!!! I want all of the Documents associated with this Fraudulent debt mailed to me so, I can forward it to my Attorney. Thank You. XXXX XXXX
Consumer complaint received 2022-01-21
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. (NY)

On XX/XX/2018 an Auto loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX  XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX CARD Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX WAKEFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (TX)

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX bank account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights XXXX ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
XXXX ) XXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) XXXX account # 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. also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I have contacted equifax time and time again asking them to assist me with being able to obtain an answer as to why I don't have a credit score with them, and the last time I had one was XX/XX/2018. They have repeatedly put me through a process having me mail in identification information, and when they have received the information, they mail a copy of my credit report, and put me through the same process all over again when I call. I need them to start allowing accounts to post to my credit and I also need equifax to update and generate a score for me as soon as possible. I have tried everything.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

XX/XX/2022 I mailed a dispute to Experian and to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX Notifying each party that this debt is not my debt, and I informed XXXX to produce a wet ink document to prove that I signed any agreement with them and they have yet to do so. I called experian to see if they had received my dispute letter they informed me that they received my dispute letter and they was investigating and the collection should be removed by the XXXX of XX/XX/2022. Well I noticed that XXXX is still on my credit report after a proper dispute was filed. 
XXXX seeking help to remove XXXX from my credit report this collection agency is having a negative affect on my financial life. 
I do not owe XXXX XXXX XXXX any money, nor have I entered into a binding contract with this Third Party XXXX.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I called Chase credit card customer support on Tuesday, XX/XX/XXXX to request a refund for a round-trip airline ticket from XXXX to XXXX for XXXX XXXX XXXX XXXX XX/XX/2022 returning XX/XX/2022 ) in the form of points. I was told I could refund my airline ticket for points and the representative then proceeded with the refund. 

When I called Chase credit card customer support on Wednesday, XX/XX/XXXX to check the status of the refund I was told the ticket is not eligible for a refund and it was instead processed as a cancellation without a refund by the representative on the XXXX. The representative on the XXXX then checked the recording of my conversation with the representative on the XXXX to confirm whether it was communicated to me that the ticket was eligible for a refund. The representative on the XXXX confirmed that the representative on the XXXX told me it was eligible for a refund and the they would call me back. I never received a call back. 

I then wrote a formal compliant through my online Chase account describing the incident above and requesting the refund I was told I would receive. I received an electronic response on XX/XX/XXXX in the form of a letter ( attached pdf ) that stated " we could not locate the transaction information you requested '' and " we have closed your request. '' Chase appears to have a record of this incident because they are able to retrieve it's history when I call them. This includes the ability to retrieve recorded conversations of their representative confirming the eligibility of and processing my refund. 

Chase is not only failing to acknowledge misrepresentations made by their representative, but they are also failing to process my refund, they cancelled a ticket worth hundreds of dollars without my permission, and they are now claiming to not have any knowledge of the incident.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

On XX/XX/XXXX, my Coinbase account was hacked and the scammer wire transferred {$23000.00} from my XXXX XXXX account into coinbase. I called coinbase and they locked down my account immediately. I also contacted XXXX XXXX to notify them of the scammer. On XX/XX/XXXX, the scammer attempted to wire transfer another {$23000.00} to Coinbase from my XXXX XXXX account. XXXX XXXX was able to retrieve that wire transfer before it reached Coinbase. Coinbase made {$2000.00} of the wire transfer immediately available and the scammer did transfer that money out via Bitcoin. 

As of XX/XX/XXXX, I haven't been able to access the {$23000.00} from my Coinbase account and Coinbase is saying I owe them money because the 2nd wire transfer was never completed because XXXX XXXX put a stop to that transfer. 

I was told by the first agent at Coinbase I spoke to on XX/XX/XXXX that my account would be frozen but my funds would be available in a few days. Ive placed multiple phone calls and emails to Coinbase since I was scammed and havent been successful in getting my funds released because there hasnt been a thorough investigation by the specialists and they are claiming it is me who owes Coinbase money. No one is taking the time to see this is not the case. Its been a nightmare with Coinbase 's customer service to try to get my case resolved and to get my money back. I feel like I am being scammed a second time and Coinbase is holding my money hostage unjustifiably. I am including documentation from my bank to show the two transactions that were made on XX/XX/XXXX and then the reversal of the second amount of {$23000.00} back into my XXXX XXXX account. I have also filed a police report with the city of XXXX Colorado. 

I also intend to file a complaint with the New York XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX  truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX  call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened. 

I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in. 

Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account. 

Help.