davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MT)

In XX/XX/XXXX I applied to Shellpoint Mortgage for a forebearance due to XXXX situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified Shellpoint Mortgage that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked Shellpoint to make this right and fix my credit file AND to fill out a XXXX XXXX XXXX XXXX XXXX  ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to Shellpoint providing a satisfactory XXXX. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the XXXX to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX
Consumer complaint received 2021-04-21
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. (TX)

Experian has not updated my accounts from a Charge-OFF. I have XXXX accounts XXXX. XXXX XXXX and XXXX XXXX which were sold to collection companies. Both of the accounts have been settled. I uploaded the documentation -settlement letters and resolution letters for both accounts. Since the collections companies do not orsubscribe to Experian. Experian will not update the accounts. 
I uploaded the letters resolution and settlement letters on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. Within XXXX hours Experian closed the dispute without contacting the current creditors on the accounts. This laziness from Experian is hurting my credit as I am applying for financing. Experian states they can not update the new updated information unless the collection agencies subscribe to Experian. I am going in cirlces. The collection agenices have confirmed that the accounts have been settled.
Consumer complaint received 2021-03-31
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)

There is one account on my credit report that is not mine I have opened an FTC on this I have tried in every way to reach out to the furnisher and the bureau but nothing nothing has happened I need this off my credit account this is not mine it does not belong to me and it should not be in my report. 

Account Name : XXXX CARD Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On date XX/XX/2019 Capital One Auto Finance pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Capital One Auto Finance Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On the XXXX of XX/XX/2021 i called XXXX customer service to dispute a charge {$14.00} for XXXX XXXX membership the person on the line claimed to be from the company XXXX ID # XXXX told him i didn't have XXXX  and he told me to going into my account and said my account was hack said he will return the money ask me to go to app store. Which i did and some how he able to take over my cellphone and get into my bank account he did XXXX transaction in XXXX in the amount of XXXX XXXX XXXX dollar and XXXX in the amount of XXXX XXXX a total XXXX dollars i report it to the bank same day it was done by XXXX XXXX that i never used and the bank did not let me know about this action .The bank i use is capital one As soon as i realized i was begin hacked he hanged up i have been trying to get back my money and all the bank want to give me back is XXXX XXXX XXXX .The bank should have seen that i never have ever done this before and reached out to me and let me know about all the activity on my account so i am asking that you please help me to resolve this problem.to have my funds return to my account. 

Thanking you in advance XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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 have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I am writing this to dispute the XXXX XXXXXXXX charges on my credit report. 

I was a customer of XXXX for several years. Early in the year 2016 I received a bill of approximately {$1200.00}. I immediately called XXXX to dispute the charge. The first customer service representative informed me it was some international call made from my then XXXX XXXX XXXX XXXX phone. I immediately reminded the representative that every phone on our account was blocked from all international calls. After checking the system, he noticed and confirmed the block. He then informed me the charges will be removed, he just needed the manager to authorize it. 

XXXX weeks later, I called to confirm the charges were removed. I was told they were unable to remove the charges and did not have an explanation as to why not. I then inquired where these calls were made to since the numbers looked very strange. They could not tell me exactly where, but suggested XXXX. After informing them we would never make any calls to XXXX ; and reminding them about the international block again, I was told to give them some time to investigate. 

This went on for XXXX months, I paid the difference on the bill until I had had enough and told them to cancel our service. The service was apparently only " interrupted '' for another XXXX months but was never disconnected. I received a bill for over {$2000.00}. I called to inquire about the charges, and was told the services were not disconnected, but just " interrupted. '' After I played a recording of the last conversation where I disputed the charges and requested they discontinued services, I was told they could not stop services then. 

Since then, XXXX can not give me an explanation about the calls, about the international block, or why they did not disconnect the phones when I requested they do so. Every year since for XXXX years XXXX recalls the debt, and assigns it to a new collection company puts it back on my credit report and re-aging the debt.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

On XX/XX/2021 I sent a certified letter requesting compliance by Great Lakes Educational Loan Services Inc. to provide me the original instrument of Indebtedness for the following accounts : XXXX XXXX XXXX. I asked that they provide me documentation showing a wet ink signature ; which I did not recieve. I re-sent the request on XX/XX/2021 and as part of their response, I received a statement saying that a digital signature was acceptable ( see attached ). I disagree and ask that I be provided a promisary note bearing my signed, wet ink signature as asked and as required by law.
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was misled into paying the collection and told account would be deleted if I paid and were excessively harassed and called and forced into paying the debt. 
Even though I stated that their gross overcharges and contract breaches from the original creditor XXXX XXXX, and the collection should have never incurred as my account was settled as it was closed with them. 


Account Information : Account Name : FAIR COLLECTIONS & OUTSOURCING, ING. 
Account Number : XXXX Account : Type Collection Date Opened : XX/XX/2017 Please see attached. 

Remedy : Deletion account from all credit bureaus.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was sitting on my bed checking my bank account with Bank of America around XXXX XXXX, and I watched my balance change from {$200.00} down to {$95.00} then to {$33.00} and some change, without me making not one transaction or withdawals, And they don't even give a company or merchants name or what was purchased or what kind or transaction that was done. Dedit card from Bof A number is XXXX XXXX XXXX XXXX exp. XX/XX/XXXX My name is XXXX XXXX XXXX owner of the account! And my card is not missing because I have the only one in my possession. Could you please take a look at my account and have the bank reimburse my account with the {$60.00} they just took for no reason, and im not even out making transactions this morning
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

1/ As part of a company reimbursement, I received a crypto-transaction in the form of XXXX via the XXXX network in the amount of {$44000.00}.

2/ The Binance account from the sender had XXXX as an option to send to my Binance.US account, per the image included in XXXX, in which XXXX is the domicile of the operating company.

3/ The funds were properly received per the transaction hash, which is verified by the attachment labeled " transaction verification. '' 4/ The account on Binance.US shows that the XXXX was received and acquired by my Binance.US-custodian wallet, but for the last 10 days, it has been under " awaiting confirmation. '' I have no able to access the funds. 

5/ The website for Binance.US includes support for the XXXX network. 

6/ My funds are unable to be recovered, and given the amount of roughly {$45000.00}, I will be in significant financial distress if I can not get these funds recovered or sent back, as I am personally liable for the reimbursement charges.

7/ XXXX  transactions are irreversible, so the best solution would be for Binance to return the funds back to the original sender.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was stunned to see incorrect accounts on my credit report this morning, and I can't understand how it happened. I check my report regularly, but today there were unexpected discrepancies. I refreshed my browser, thinking it was a mistake, but the accounts stayed. Im asking for my documents to be carefully checked so I can have peace of mind and not live in constant worry about this.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

In response to a previous complaint, on XX/XX/XXXX XXXX XXXX in the Compliance Department stated the following. 

" The conversation ended with you scheduling a payment of {$4500.00} with XXXX XXXX. On XX/XX/XXXX, the XX/XX/XXXX through XX/XX/XXXX installments were deferred. As of the date of this communication, the loan is current, and the next monthly installment will become due on XX/XX/XXXX. '' Since then I have tried to set up recurring monthly payments but receive the error stating " Your account must be current prior to setting up recurring monthly payments '' However, as per XXXX XXXX, my account is current and has since been. I waited a few months, perhaps the website needed to update. In the mean time, I had to make manual scheduled payments to keep my account current. 

I emailed XXXX XXXX on XX/XX/XXXX regarding this issue with no response. I tried calling XXXX XXXX, but could not get a hold of her. 

At the end of XXXX I noticed that I could set up recurring payments again on the website so I did so and proceeded in confidence that my mortgage would be paid monthly as per the terms set forward in the recurring payments. However, today XX/XX/XXXX I see that the recurring payments were not set and now I have been assessed a late fee for a payment that was due on XX/XX/XXXX. 

It is due to Shellpoint 's inability to reply in a timely manner as well as website issues that have caused my account to not be current. Although I have made effort on my end to remedy this, it has not been resolved.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CO)

I requested from Midland Credit Managment Inc. on XX/XX/year>, proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Revenue Corporation (IL)

I received a copy of my credit reports and noticed that United Revenue Corporation at XXXX XXXX, XXXX XXXX, XXXX, TX XXXX was reporting two medical bills on my credit reports. I immediately reached out to them via certified mail and asked that they verify the debt that they are attempting to collect. I also asked them if they had permission from me via a signed document giving my permission from the hospital to release my personal and private information to them in their attempt to collect a debt that may very well not be mine. I sent my initial request to them in writing dated XX/XX/2021. They responded back with a letter dated XX/XX/2021 with both personal and private information regarding treatment that was given to someone bearing my name but no proof of a signed contract by me nor a signed HIPPA from my giving them access to information on me. I wrote to them again via certified mail with a letter dated XX/XX/2021, informing them that they still never complied with my first request of a signed contract nor a signed HIPPA release form and therefore I was asking that they again verify the said debt they are trying to collect on. 
They responded back via letter on XX/XX/2021 with the remarks that they were classifying your continued vague disputes as frivolous attempts to dispute information that you know to be accurate this was their response verbatim. This is very offensive to me as I know my rights. How is my request for proper, solid verification a frivolous attempt to dispute when I have every right by law to ask for them to show me in writing verification of a debt they say I owe? They are violating many of my rights and I would like to have this matter investigated. Thank you for your attention to this matter.
Consumer complaint received 2021-04-21
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)

Transunion continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.
Consumer complaint received 2022-09-27
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. (FL)

XXXX XXXX  XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$720.00} are reporting on my personal credit file with 3 Bureaus credit reporting agency. These accounts was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.