davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

I am currently again in the Appeals Court fighting a fraudulent foreclosure and other abusive acts and practices of the banks, their many alleged Assignees. I had an alleged to be valid contract with XXXX XXXX XXXX XXXX in XXXX but as you know the Bank had ceased to exist prior to the date of that contract rendering its validity questionable ; as is verified in XXXX Hearing Documents, court cases, etc.. XXXX XXXX closed by the XXXX and Federal Deposit Insurance Corporation and certain assets sold to XXXX  XXXX, whom created and caused the 1st of many fraudulent assignments to be recorded starting in XXXX in an attempt to re-create a broken Chain of Title. The original Note being securitized and the original Deed being separated each going in different directions. Facts, thus rendering the original contract with a Note and Deed separated and the Note previously securitized but being hypothecated and re-hypothecated are lawfully and legally XXXX XXXX XXXX. Under the XXXX and the XXXX XXXX 's Settlement with the Banks, I filed civil suits starting XXXX and I have suffered many abuses, as I am currently and almost a full decade later. I have not had my claims heard based on their merit ; abuses under the color of law and authority but at least won the right to challenge the Fraud in a private action in the hope I would recover my losses. I've had to file multiple suits at substantial costs over XXXX and loss to defend the actions of these abusive debt collectors, their bad acts and unclean hands. I have not by any means been treated fairly! 
I have acted in good faith each step of the way. The Appeal court last round resulted in XXXX rescinding the prior recorded documents of their XXXX, XXXX used for initiating the Fraudulent Foreclosure. Rescinded just this XX/XX/XXXX and now a new party alleging new assignment and servicing rights NEW REZ/SHELLPOINT MORTGAGE SERVICING is sending me new threats of Foreclosure in the very first letter received on XX/XX/XXXX dated XX/XX/XXXX as a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, the information contained therein is inaccurate and they are doing this while I am still in the Appeals Court and have not yet as exhausted all my remedies many of which have been unfairly, unlawfully and illegally denied to date. 
This new and current party has no legal lawful standing to take any action they have thus taken. They hide behind the corporate veil by changing the names of their fictitious entities and provide no documentation or substance as to their factual right to collect. The have not proven they are in possession of the note, a holder or holder in due course or representing a party that does. 
They have not shown that they have given lawful consideration but merely a false claim to abuse and harass me, a violation of the Fair Debt Collection and Reporting Practices Acts, both State and Federal.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Went to deposit over {$2000.00} into atm one night but only partial amount was posted. Atm robbed me of {$800.00}. Then they credited me the {$800.00} 2 weeks later. Then 2 months later they took back the {$800.00} and now my bank acct is overdrafted I called back and told them this is clearly an inside job. They are purposefully robbing customers. Because we are powerless & defenseless, we are helpless and either accept this abuse or try to fight back. I had an experience with chase bank same thing atm ate XXXX but luckily it was business hours so I ran inside the branch within seconds and they credited my account immediately following morning. But with Wells Fargo take 2 months to investigate??? Then tell me atm had no malfunction. It was two transaction within a minute after because I inserted too many bills at once so it spit out some and it made me insert my card back in and deposit in anew transaction. 

Wells Fargo ATM XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$120.00} XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$1000.00}
Consumer complaint received 2023-05-24
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. (KY)

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus XXXX, Experian, and XXXX. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX Experian undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called Experian to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

About a month ago, I received notification from Citizens One Home Loans that my COVID-19 loan forbearance plan was ending. I logged on to the loan servicing site, where I requested an extension of the forbearance period due to continued hardship, as is detailed in the CARES Act. Today, XXXX/XXXX/20, I received a letter stating that I am behind on my payments and required to pay over {$5000.00} by XXXX. When I first filed for forbearance, the request was processed immediately. Now, after several weeks, the servicer is displaying a message that my request is " under review. '' I believe that the servicer has deliberately delayed my request as an attempt to pressure me into paying the entire amount, even though the CARES Act states that I can extend the initial forbearance period for up to another 180 days.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OK)

XXXX $ XXXX pending transaction cash app says XXXX hasnt settled yet in the cash app ledger accessible on the webpage by downloading the lost theyve got the correct amount of {$190.00} listed there and have had it there since last XXXX. Why wont they take this transaction off pending status??
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

We live in a small rural town in Wisconsin. Property taxes don't change much year to year. ( Exhibits 1 & 2 show the amount taxes change year to year ) That's why were surprised to hear in XX/XX/2018 from our new loan servicer, Lakeview Loan Servicing LLC, that we had overpaid our taxes and that we were being issued a refund from our escrow account AND our monthly amount was being lowered. 

Lakeview Loan Servicing , LLC states on its website that it provides subservicing by XXXX. 

That didn't make sense to us, but we figured that perhaps the new servicer had somehow recalculated something in our favor. 

In XXXX, I received a notice from our town that our second escrow payment had not been made. That's when I realized what Lakeview had done - they had ignored that there were TWO escrow payments, and recalculated everything as if we owed only ONE. 

I contacted Lakeview, and was deeply concerned. We didn't have that money that was refunded us. It had gone to school tuitions and other immediate needs. I spoke with a rep, then with a supervisor to voice my concerns. They said they would work it out. I even offered to do some sort of second mortgage to replace the escrow money - but it would have to be at favorable terms ... 

... but Lakeview did nothing. They made the second payment to our town, and we continued paying what we had been paying. I was worried - unsure of how this was " fixed. '' ... and then we found out. Now, we have been contacted and informed that ( OBVIOUSLY ) our escrow account is in arrears, and that we are going to have to pay {$600.00} MORE A MONTH. 

I know to many, including Lakeview Mortgage, this isn't a lot of money. But that's an incredibly damaging amount to our family. 

I contacted them. The first rep told me that it was " simple math. '' He implied that we had requested a lower payment, or that the tax circumstances had changed. Neither of those contentions are true. 

I asked for a supervisor. 

I was given to a second person, who was confused. I asked if he was the previous rep 's supervisor. He said he was not. I asked for a supervisor. 

The third rep indicated that she was not either of the previous call center worker 's supervisor. She said supervisors only call people back. I gave my information and asked for a call back. 

I never got a call back. 

Two days later, I called back, and waited for minutes - and then was hung up on by the system. I tried 8 additional times, and each time, without reaching a rep, was hung up on. 

I called two days later, requested a supervisor, and then never received a call. 

We didn't do anything wrong. We make our payments, we requested nothing. I don't know if we can afford XXXX XXXX extra dollars a month. If i knew this was the amount of our mortgage, I wouldn't have bought this house. 

I'm sick of being abused. I'm afraid of losing my home. I haven't done anything wrong, but I'm required to pay an amount I never asked for. And I am getting no help, no conversation, no explanation from Lakeview.
Consumer complaint received 2023-04-04
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
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. (MD)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX MD XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Date opened XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account number # XXXX TDRCS/CARTIER Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NC)

I am due a refund from a company that will not respond to me. I filed XXXX disputes with Cash App with all of the information that they requested and more. They denied both requests and refuse to give me an answer as to why. I have called customer service several times and they all say the same thing " No error has occurred and your dispute was denied '' They are like robots. This is all of the information that I can get. They will not help me and they sure are not protecting anyone 's money.
Consumer complaint received 2023-02-28
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. (TN)

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated privacy and confidentiality under 15 USC1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to get XXXX removed from my Transunion and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my Transunion and XXXX Credit file
Consumer complaint received 2022-07-20
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (NY)

Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks
Consumer complaint received 2024-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (PA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously tried to address these issues directly with them. They are infringing on my rights, and I am entitled to {$1000.00} for each violation I have identified. They must either compensate me or promptly delete these accounts.
Consumer complaint received 2022-08-15
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. (PA)

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE