davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Shellpoint is my mortgage company. I pay monthly, {$780.00}, on time every month via my bank 's bill pay feature. 
Beginning in XXXX I paid {$880.00} ... an extra {$100.00} on top on my {$780.00} due so I could pay off principal faster. 
Also beginning in XXXX, Shellpoint stopped posting my payments. The ONLY change was that I started paying extra- same timing, same pathway, same everything else. 
Shellpoint indicates they can not locate the payments despite me providing them bank transaction confirmation. They want a cancelled check- never mind that I have ALWAYS paid this bill electronically. Who pays with checks anymore?? 
Shellpoint neglected to inform me they were not posting my payments- I see the money deducted from my bank account and sent to them, and logically assume my bills are paid. They have my payments. Wouldn't you think a mortgage company would figure out where payments should be posted in their system and not just disappear? 
The FIRST indication of a problem was when XXXX texted me with a drop in my credit score. 
I called Shellpoint and have gotten nowhere. They refuse to acknowledge their error and refuse to right my account or to even look to see where they allocated my payments. EXTREMELY FRUSTRATING.

So in summary : I pay my mortgage every month, never miss a month. Shellpoint took my money but hasn't posted it. My credit score is dropping because they ( fraudulently ) notified the credit agencies I was in arrears ( I was not ). And they added late fees. 
DO NOT USE SHELLPOINT. My mortgage was with another company that sold it to Shellpoint- they have horrible customer service and even worse business practices. Avoid them.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company XXXX XXXX XXXX XXXX XXXX XXXX reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/XXXX I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score 155 points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I was attempting to refinance my mortgage with Amerisave. 
I submitted a loan application on XX/XX/XXXX, and paid {$500.00} ( via credit card ) on the same day. I was told that this would be the only upfront costs, and that I should expect to close by mid XXXX before my next payment was due ( XX/XX/XXXX with grace period ). I was told I did not need to lock the rate. 
After this point Amerisave began sending automated texts requesting information. 
The only information that the Amerisave website tells me I need to provide is proof of funds for a total of $ 12-13K - which is inconsistent with the information that I only need {$500.00} up front. At this point I have checked the disclosures and the disclosures all inaccurately show that I would need > $ 12K at closing. 
Communication from the loan originator and loan processor are extremely slow and unresponsive. 
I sent texts to the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with no response from the loan originator. I did receive numerous automated text requests for the proof of funds. 
I left voicemails for the Loan Originator on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. No call-backs were received. 
I received a survey on XX/XX/XXXX, and provided negative feedback. That feedback was responded to quickly with a statement that they were just waiting on the subordination paperwork. 
On XX/XX/XXXX I received an email stating I had new loan disclosures. Per the above, those disclosures are incorrect. 
On XX/XX/2016 and XXXX I sent emails requesting that the loan originator call me to discuss status. Those met with no response until XX/XX/XXXX. 
On XX/XX/XXXX, I received an email stating basically that it was OK that the disclosures were incorrect. The loan originator committed to call on XX/XX/XXXX which did not occur. 
On XX/XX/XXXX, I sent an email indicating that I had not received the advertised call. 
On XX/XX/XXXX, the loan originator sent an email indicated he had been out due to a family emergency but that he would call me that day. That call did not occur. 
On XX/XX/XXXX I sent an email re-iterating that the disclosures were incorrect, that the lack of quality communication was a problem and that if I did not close by XX/XX/XXXX I would pursue taking my business elsewhere, and seeking a refund of the fee paid. 
On XX/XX/XXXX, the loan originator sent an email indicating that they were still waiting on subordination and would check status before calling back. I have received no communication from the loan originator since this date. 
At this point I am out of pocket for {$500.00} upfront costs, plus the lost savings from 2 months mortgage payments which would total about $ 400-500 per month.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MO)

Loancare ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. Loancare reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with Loancare and the credit bureaus. Loancare provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, Loancare again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that Loancare was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, Loancare erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that Loancare had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to Loancare as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by Loancare based on the complaints I've seen online which requires further inquiry by the CFPB.
Consumer complaint received 2020-05-12
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: Phoenix Financial Services LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX the stimulus payment was posted to an American Express Serve card as that was the option I selected through XXXX XXXX  for my tax return. I have been unable to access that money since as American Express has never sent me a card. When I was able to speak with someone they were unable and unwilling to overnight a card or provide any kind of tracking for a replacement. They simply said that I would have to wait and hope that the card comes. It has now been almost 1 month and I have still not received anything and it is now seemingly impossible to get a hold of anyone in their customer support department. In addition, my online access to the account has also been locked and I can not reset my credentials without any card details.
Consumer complaint received 2020-05-12
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020, A US Marshal Imposter called me about a Supreme Court case in Texas against me on money laundering and drug trafficking. He said my case will be up in the court in 4 and a half hours. He said some of my personnel info. I started believing. He was on the phone with me for several hours. He convinced me to do an international wire transfer of {$46000.00} on the basis of he is working to clear my name on all the charges against me. He said this money goes to a custodian account which is linked to the US Embassy in XXXX. And promised to transfer the same amount of money back on my account the following day after clearing my name. He said If I don't do that, the US government will freeze my assets and arrest me and taken to Texas. 
I don't have any charges against me. I was scared someone is using my name to do criminal activities. 
I drove to the XXXX XXXX XXXX ky ( XXXX XXXX Branch- XXXX ) to do the wire. It was posted at XXXX XXXX. Its destination is XXXX XXXX, XXXX, XXXX, XXXX. 
Beneficiary - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX But I felt suspicious and called the bank at XXXX XXXX  to Cancel/Recall the transaction. 
XXXX XXXX  did put a recall in the transaction. 
Recalling/cancellation started within 1 hr 40 mins. 
I filed a complaint on XXXX at night. I was told the FBI called the XXXX XXXX about it the following day. 
I was told the wire went to the Chase Bank for Intermediary banking purposes. 
I didn't want my hard-earned money to end up in criminals ' hands. 
Despite it was flagged, I don't know why Chase Bank sent the funds to the beneficiary bank, The latest update - Chase bank had requested funds back from XXXX XXXX  XXXX. 
response from Beneficiary Bank - Don't know yet. 
My payment disclosure says funds will be available to pick on or before XX/XX/2020. 
Cancellation - I can get my funds back if the funds not deposited on the beneficiary account or not picked up by the beneficiary. 

I have a strong feeling that the funds had not gone to the beneficiary bank in 1 hour 40 mins. 
But Originating Bank ( In this case XXXX XXXX  ) does not have the traceability to track the transaction.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the XXXX XXXX XXXX I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO. (CA)

So I really don't remember the date 's that this all started but I am sure I can go to the bank and get the day and year that they started taking this amount out of my account, but some gentleman called me from place called XXXX and stated that he could help me lower my student loans. He could set something up to where if I could pay this XXXX every month straight out of my account, they would take this amount and put it right towards my student loans. So I was excited and I believed it. I thought that this was actually happening. I thought XXXX was taking care of everything for me. It sounded and looked real to me. All of these student loan places call me all of the time. I never know who to believe. But I actually believed him this day. But apparently I got scammed this time. So now I've been out XXXX XXXX XXXX I've been paying someone XXXX every month for at least probably 3 year. So close to XXXX that I could have either saved or actually put towards my student loans, or towards medical bills that I have from having XXXX. The now mental anguish these people have caused me the stress they have caused me, and the debt they have caused me. So now what do I do? Where do I go from here? 
Please tell me what to do.
Consumer complaint received 2020-05-12
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: NCB Management Services Inc. (SC)

I total my car in XX/XX/2018 XXXX  XXXX  an XXXX didnt paid off the car an left a balance. Instead of the car people going after them the came after me. Threatening me about me damaging my credit if the balance aint paid an now a year or so later the sold my information without my consent or knowledge to a company who is harassing me about the balance. Its not my fault they wasnt paid I made my payments on time
Consumer complaint received 2020-05-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

I have tried multiple times to handle this debt with XXXX XXXX XXXX. Someone stole my identity and have opened up an account in my name. This debt does not belong to me and they have not provided physical proof. They only have sent documents of whoever opened the account in my name and forged a signature that is not mine. I am XXXX and haven't opened this account. I have been going back and forth with them about this for years. If they can't provide physical proof of me opening this account. They need to delete it from my name. Just because they have signed documents doesn't mean that I opened the auto loan in my name. It is not my account and I am not accountable for this account. The account # XXXX
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (GA)

XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX XXXX XXXX XXXX, your agency and XXXX XXXX and Experian are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX XXXX XXXX XXXX correct the account. My problem is is this account was removed and placed back onto my Experian and XXXX XXXX Reports after all the years. This needs a resolution immediately.
Consumer complaint received 2020-05-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}