davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

We have been attempting to obtain a partial release from NewRez/ShellPoint Mortgage since XX/XX/XXXX when we faxed in all the requested partial release documents to NewRez/ShellPoint. Over the past year we have attempted to get status on the partial release in which NewRez/ShellPoint would give conflicting information or have no updates at all. We have spoke to customer service management on 12+ occasions and customer service on 25+ occasions. Customer service and customer service management is reporting they are not able to get any response from their internal partial release team. Customer service management has left voice mails for the partial release agent ( XXXX XXXX ) assigned to our request and her her supervisor XXXX without any response. We have filed 6+ internal complaints with NewRez/ShellPoint Mortgage via customer service and customer service management that have gone to no avail. Customer service reported that an escalation representative will call us back with 24-48 hours of each complaint and we are yet to receive a single call for any of the complaints filed. On XX/XX/XXXX, NewRez/ShellPoint Mortgage reported that we had submitted all the required documentation and that NewRez/ShellPoint would begin the partial release review. I called back in on XX/XX/XXXX in which Customer service management sent an email to XXXX 's supervisor with no response. On XX/XX/XXXX I spoke with customer service and had no status and filed another internal complaint on our behalf. Again we never received a call back from NewRez/ShellPoint Mortgage. On XX/XX/XXXX I spoke to customer service management again but they again had to status update on where the partial release request was. This day customer service management was attempting a live phone hand off to partial release supervisor XXXX but I was forwarded to Voice mail. I left a voice mail requesting a call back but never received a call back. On XX/XX/XXXX I spoke to 3rd level of customer service management XXXX XXXX and also attempted to contact the internal partial release team again with no response. XXXX XXXX ask that I wait until XX/XX/XXXX to get a response from the partial release team before escalating further. Per XXXX request on XX/XX/XXXX I called back in and left a voice mail message on XXXX voice mail. About 3 hours I called XXXX XXXX back because I had not relieved a call back. Brain was un-available but reported via customer service representative XXXX XXXX that he would call me back " shortly ''. I still have not received a call back. Most of the documentation I have contains very personal information including loan numbers and other sensitive data. I can provide in a secure manner if needed. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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. (DE)

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction. 

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely
Consumer complaint received 2022-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was a cosigner on a auto loan for my Daughter-in-law 's car. Back in XX/XX/2020 Capital One auto finance came and took the car for a broken payment arrangement. I paid Capital the payment that day and got the car back from tow company. We've paid and had possession of the car until this year when it was sold to XXXX and paid off. I would like for the repossession to be removed from my credit report. It is affecting me from getting a loan. I believe it's only fair since we had and paid off the loan. Capital one never took full possession of the car.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Friday XX/XX/XXXX XXXX XXXX ID XXXX in the amount of {$25.00} was initiated to recipient XXXX was not received due to XXXX XXXX called Chase on Saturday XX/XX/XXXX XXXX was advised by representative to cancel & Re-send transaction which was done new transaction ID was now XXXX Monday XX/XX/XXXX I check my bank account & now had 3 transactions 1st Transaction ID XXXX XXXX Re-sent Transaction XXXX & a " XXXX Payment from Recipient XXXX '' transaction ID XXXX I then proceed to call Chase again & was advised by recipient this was a refund from Chase due to down service Tuesday XX/XX/XXXX the " Refund '' XXXX ID XXXX was no longer available thus leaving transaction charged twice I contacted Chase multiple times & had been told credit would be received in 10 business days via XXXX However XX/XX/22 I was told Recipient has to XXXX me the {$25.00} back that no credit would be provided yet the intended person only received the funds once This is extremely frustrating I was charge twice upon following Chase Representative instructions
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX also known as XXXX  acct # 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

SEQUOIA FINANCIAL SERVICES located in XXXX XXXX, CA XXXX is claiming and reporting that I owe the following {$620.00}, {$1300.00}, {$530.00}, {$300.00}, {$190.00}, {$140.00}, {$100.00}, {$99.00}, {$89.00}, {$88.00} I have disputed all of their claims directly to the credit bureau and they kept reporting it back to my credit information. 
I have filed an ACCOUNT BREACHED last XX/XX/2019 and my account was compromised. I have protected my credit report and this company kept harrassing my file and continue to report the same amount even I have completely denied existence of this account they fraudulently claim. 

I have no knowledge of this debt they are claiming, I would like them to stop reporting all these claims to my credit report
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I sent money from my checking account by XXXX and the money never got to the person. XXXX tell me to call the bank and the bank transferred me to XXXX. Now when I call SunTrust bank all I do is stay on hold and they never answer the phone.
Consumer complaint received 2021-02-22
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-02-22
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 (FL)

ON XXXX XXXX I MADE CONTACT WITH CAPITAL ONE NA ABOUT A INQUIRY DONE ON XX/XX/20 I DID NOT AUTHORIZE THIS TRANSACTION, I TRIED CALLING BACK AND GET HUNG UP EVERY IME.
Consumer complaint received 2019-03-19
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX To : Select Portfolio Servicing , Inc . 

From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Select Portfolio Servicing, Inc. Loan # XXXX Please be advised that I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, said loan having been owned by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX selling the loan to XXXX XXXX XXXX XXXX. XXXX and these servicers did not require windstorm coverage. Then, my loan was sold to XXXX on XX/XX/XXXX, and you, as the loan servicer, have claimed windstorm insurance coverage is required, I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income and expense guidelines. Youre own insurance department has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the XXXX XXXX XXXX, and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (MO)

There is a {$450.00} delinquency for a XXXX account on my XXXX report as of XX/XX/XXXX. Current debt collector is Prince Parker & Associates. This is for service at my aunts house ( XXXX XXXX @ XXXX XXXX XXXX XXXX , XXXX, MO XXXX ). 

The years of service on this account are from XXXX. I DID live at the XXXX XXXX  address, but only till XXXX. After that I moved in with my girlfriend in her apartment, and then in XXXX we bought and moved into a house together, where we still live. Again, we moved into this house THREE years before the start of service on this account. My XXXX report confirms this timeline. 

I dont know how my name got put on the account. The email address on the account is not mine, and I can't access the account online, and never have. One possible explanation is my aunts daughter used to share a family mobile plan with me through XXXX XXXX XXXX, although I cant explain how that led to this. In fact, I have a current mobile plan with XXXX XXXX XXXX under a different login and email address. My aunt has acknowledged this is her account, not mine, and will pay the delinquent balance. I have asked her to wait until I can confirm this will be deleted from my credit report. 

XXXX XXXX XXXX has not been helpful. In fact, when I originally received a letter from the debt collector ( Prince Parker & Associates ) in XX/XX/XXXX I called XXXX XXXX XXXX to ask why I received it. They assured me not to worry, this account would not be collected in my name. Now I wonder if they were mistakenly looking at my mobile plan, or just trying to get me off the phone. I regret taking their word for it. They of course have no record of that phone call. 

Again, my aunt confirms this is her account. She will pay it, and accept any credit report consequence. Please help.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

XX/XX/2022. My social security was deposited into my account at Citibank. I received an email and text message stating that a {$400.00} XXXX transaction was pending for a man that I didnt know. I called the bank and spoke with a rep and let her know that I didnt authorize that transaction and to cancel it and was told that it already processed even though it was in processing and that it couldnt be stopped. I was told that I needed to submit a claim which I did and then I was told to open a new account which I did also. My uncle sent me money to the new account and the man that stole the {$400.00} tried to steal the {$200.00} that was going to the new account. Citibank closed both of those accounts down and opened me up a new account. I have contacted the bank to see about getting my money back and nothing. I have contacted the bank several times. I have spoken to the head fraud investigator XXXX XXXX and still I havent gotten my money back. XXXX XXXX advised me that Citibank has had several customers hacked within the last few months and they are working on the problem, but I still havent gotten my money back. It has been exactly 30 days now from XXXX and still no resolution.
Consumer complaint received 2020-08-26
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. (NV)

On XX/XX/2020 I sent out a method of verification letter to Experian asking them to verify how the investigated my dispute with XXXX. The sent a generic form of how they SHOULD do investigations but now how they specifically investigated mine. The did not show the course they took or how they went about handling it with XXXX. I sent over proof that XXXX had me in forbearance in XXXX with an IBR and  also school enrollment these years and letters from XXXX showing forbearance dates but is inaccurately reporting late payments on my credit report. XXXX originally sent me 22 pages of my forbearance approvals in my inbox on their system and then deleted all but 6 pages so I would not have proof, thankfully I screen shoot those images and I sent those items to Experian along with my school enrollment and yet they still verified the late payments were accurate with an E-Oscar method which is not a valid way to verify debt. I request that since Experian could not verify the method of verification on MY account they remove all late payments from all 13 of my student loans that I have originally requested.
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management (CA)

XX/XX/19: XXXX XXXX to my employer and to a former partner of mine- (but no calls to me?)

I was informed that this company - Pendleten Pre-Legal- left a message(s) for me to return their phone call. The female who left the message indicated that is was regarding "a legal matter"; the message was left at a employer's desk where personal phone calls are not permitted. Furthermore, said female left a voicemail with a former partner of mine. As the alleged borrower of the debt they are trying to collect on, I've never received any notification via phone or mail myself.  I attempted to resolve the issue over the phone, but was threatened with court action if there was no resolution by XXXX XXXX on XX/XX/19, which is today, when I stressed that I did not receive any prior notification via mail. I was notified that multiple emails were sent, which is pish posh. I'm confident the loan this "establishment" is attempting to collect on stems from several identity theft issues that I've had in the past. Should I receive notification of the alleged debt via registered mail (wherein I must sign for the receipt of the mail), I would be more than happy to review the information and determine if I should act or not. I would like the know the alleged loan agency, the amount, when the loan was received, and any other pertinent details- again- all via registered mail.  However, I've not received any communication from this company whatsoever other than some abstract details via a phone call today. I asked to speak to management many times, and was told there was no manager. I notified my employer that this was a scam as I have no verifiable information from this "establishment" at hand, and to transfer all of the proceeding phone calls to security. I believe this establishment, Pendleton Capital Management, is in violation of the FDCPA. Though I used profanity in return and probably should not have, the female(s) on the receiving end of the phone used abusive language , have spoken or implied to others about an alleged debt, have called a workplace ( they were notified during today's conversation that said employer does not allow personal phone calls as I work in healthcare ), told a co-worker I've committed a crime (or implied as much with the phone call itself). If there is a judgement against me, or a pending judgement, I would like to see the court documentation. Again, a registered letter would suffice. As I understand, a collector cannot state that a law suit will be filed nor that my wages will be garnished if that is not the intention (both of the aforementioned statements transpired during the call today- which I recorded myself, and I was told I need to fix by XXXX   today). I have filed a report with the XXXX as well.   Lastly, this agency should expect certified mail from me  wherein my wishes to have them stop immediately contacting me, my partners (former/current) and employer(s) (former/current) or anyone that I know for that matter- via phone.