davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

NewRez purchased my loan from a company that purchased my loan previous. The company before Newrez went bankrupt. I got a welcome letter stating that I owed New Rez money. I called and asked for my account information to get logged in and paid. I was told that they couldn't find an account with my information only a welcome letter. I was given a login eventually to pay but no account or loan number was linked to it. I paid this company and every month I called in requesting for any sort of documentation with my loan information or something that shows I owe them money. They responded every time with " we have all this and we will mail it to within the next XXXX days ''. this continued for over a year and half. I then hired an attorney to represent me and they are still unable to give me paperwork for the property. I have spent thousands of dollars and still no answers. They keep threatening to forclose the property and at the same time keep sending me COVID 19 repayment options.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my file that are erroneous and needed investigation Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
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. (FL)

To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance XX/XX/2016 Approximately XX/XX/2016 due to a job loss I contacted Capital One Auto finance in reference to an extension to make a payment on my account. a month later I check my credit report and it shows that I was over 30 days past due. I contacted Capital One auto finance and was advised there's nothing they can do to correct the mistake and there were no notes of the extension on their system. my vehicle loan is paid in full but the late payment is still showing. I've sent letters after letters to capital one auto finance and the credit bureaus with negative contact.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (WI)

I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. 

By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. 

I hope they can reopen my account with all of my reward points reinstated.
Consumer complaint received 2020-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

There was a collection added to my credit file from XXXX XXXX. It was placed with XXXX   today XX/XX/2020 and with XXXX  and Equifax last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with Equifax and XXXX  and I keep getting an error message. Equifax will not let me get thru the phone line.
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OK)

When calling the company, I spoke to XXXX XXXX and he refused to advise what company he was associated with along with advising if he was a collector with a collections agency. When he refused to acknowledge that he was a collector he hung up on me. I called back and after 3 times of calling back, someone finally answered without hanging up. I advised to the company that I would be filing a complaint with the CFPB. No one mini Mirandized me either.
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duane Morris LLP (TX)

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', Duane Morris LLP ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of XXXX XXXX   XXXX ( " Debt Collector XXXX '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the  statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et  seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( XXXX ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling  {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector XXXX predecessor XXXX crediting said payments to the subject account. ; and ( 2 ) Debt Collector XXXX, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector XXXX predecessor XXXX without any legitimate reasons or explanation. 

Additionally, Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MA)

Hi NRA MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please  provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IN)

XXXX Bank emailed me on XX/XX/2023 alerting me to new negative items on my credit report. After reading the email and reviewing my report on the morning of XX/XX/XXXX, I called XXXX and alerted them to the fraud that had occurred ( I had two new 'collections ' items from XXXX XXXX  despite never doing business with XXXX ). After helping me mark the items as 'Fraud ' and opening up a dispute with them, XXXX recommended that I call the collection agency ( XXXX XXXX XXXX  ) as well to inform them that the debt was resultant from identity theft. However, for some reason XXXX has my father 's name ( XXXX XXXX attached to my ( XXXX ) phone number. They told me they couldn't help me unless I provided them with my social security number, which I refused to do because they had already managed to bungle a simple name & phone number combination. So, in a nutshell, I tried to tell them that I had been a victim of identity theft, but due to a mistake of their own ( possibly resultant from the fraudulent activity ) they refused to believe that I was who I said I was and would not take any action to remedy the problem. It was bizarre to hear, as a XXXX XXXX XXXX man, " Can we speak to your father? '' Also, one of the strangest parts of this whole thing is : if XXXX has the name XXXX XXXX attached to the file with my phone number, why did they ding MY credit report, which is under my name XXXX SoAndSo? They seemed to be talking out of both sides of their mouth by dinging one person 's report and only being willing to talk to a completely different person about it.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (GA)

I have been a Robinhood member since 2015. I loved the simplicity, and empowerment with the app and decided to signup for the banking product last year. 

I m closing on my home today on XXXX and reached out to Robinhood after seeing the transaction limits and asked if they could wire the amount during closing on Friday XXXX. 

Until then, I did not realize there is no direct phone number for the company and there is no direct accountability for my transaction. I tried reaching the company actively over the past 3 days to no avail. 

They do have a XXXX  account and I thought I was getting the support I needed. Its close to end of business and I am not sure if my transaction would go through. This impacts my home closing contract and multiple parties including the lender, the seller and myself. 

I also find it surprising that my transfer request was not honored one day before despite the internal approvals. 

I would need robinhood to have an accountable associate be setup to see my transaction through. 

I also have a decade experience in banking industry and I find this process unacceptable.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc. (LA)

On XX/XX/XXXX I received a letter from SST stating that my force placed insurance that was incorrectly placed on my loan on XX/XX/XXXX was credited to my loan balance. I am not sure of the exact date of the credit, so I am going by the date of the letter mailed to me which was XX/XX/XXXX. 
I have requested statements from SST which reflects this credit to my loan on the following dates : XX/XX/XXXX - Emailed SST requesting statement reflecting credit for force placed insurance. 
XXXX called and spoke to XXXX and requested a statement reflecting credit for the force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 

I have made four attempts to reach out to SST and receive a statement which reflects where the force placed insurance was credited to my loan. I can go online and get a payoff balance, which I have done, on XX/XX/XXXX. 

I need a statement which reflects the exact date of the credit for the force placed insurance to figure out how much credit SST owes me for interest accumulated for the {$11000.00} force placed insurance on my loan from XX/XX/XXXX through XX/XX/XXXX. I can only go by the XX/XX/XXXX date, the date of the letter, since SST WILL NOT send me a statement that reflects the exact date.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-10-15
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: CORELOGIC INC (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. XXXX XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2020-05-28
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.