davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (FL)

Due to Covid, my international travel business began losing money. As a result, I entered into a forbearance plan with XXXX XXXX XXXX in XX/XX/XXXX. My payments were suspended from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX that my loan was being transferred to Statebridge Company , LLC. Then in XX/XX/XXXX Statebridge demanded that I bring my loan current or that I would face foreclosure. In the process of communication with Statebridge, I seriously felt XXXX discrimination because of my XXXX immigration status and English speaking accent. They requested that I find an interpreter because they were having difficulty understanding me. With the help of my Realtor who is also a licensed mortgage specialist, Statebridge offered me an 18-month payment agreement. The plan was meant to bring me current by paying for all the payments that were missed during the forbearance plan in XXXX. In addition, the plan would pay for my future property taxes as well as my homeowners insurance. I insisted that I pay for my taxes and insurance separately, however they said that was not an option. I was told by my Statebridge loss mitigation specialist, XXXX XXXX that Statebridge would be paying for these amounts as part of the payment agreement. With this being the case, I agreed to pay {$11000.00} on XX/XX/XXXX. Then I paid {$5500.00} each month for the next three months - XXXX, XXXX and XXXX. My regular mortgage payment was only {$2500.00}, so paying {$5500.00} each month was very difficult. In only four months, I paid Statebridge {$27000.00}. In XX/XX/XXXX, I discovered that Statebridge did not pay my property taxes for XXXX because I received a bill from the county requesting payment. This was very distressing. Despite multiple attempts to contact XXXX, she has yet to provide me with my homeowners insurance information. I found out today, XX/XX/XXXX that Statebridge purchased a forced-placed insurance policy. This is even more distressing. Worst of all, I received a letter from Statebridge in XXXX stating that I owed {$19000.00} and if I didn't pay they would move to foreclosure. I have no idea what this amount is. The letter said I owed from XX/XX/XXXX, however I was not their customer at that time. The payment agreement I established with XXXX was not being honored. My international travel business has not recovered at all, and I have no income. XXXX has been threatening that they would sell my home. I am a single mother. I have to keep my house for my XXXX XXXX XXXX son. So I borrowed money from my mother to keep paying. Due to the deception of Statebridge I fell into a deep financial black hole. Not only have I paid a lot of money, I also face the real possibility of losing my home. I need your help.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I transfered XXXX Dollar from my bank account through western union to my brother in XXXX and they only asked me for the receiver First, second, third and last name and i gave them exactly everything as they requested.. and now he is now able to get the money from XXXX as they keep telling him that they need the fourth and fifth name also!!! 

Everything else is identical.. ID number .. tracking number.. everything and they refuse to give him the money .. and i am trying to call the company i lost a lot of money trying to call them Internationally and with no good answer .. just handing me from one agent to another.. and when i tried to cancel the transaction and get my money back they are telling me that they will cut it of ... please i am very frustrated form them .. help me with this issue
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I have dealt with Mr. Cooper recently thru you all, I have paid everything up to date. As of today they continue to claim that I still owe for XX/XX/XXXX which you will see in an attached spreadsheet that I am current and also paid a late fee. They have never worked with me/destroyed my credit and also continue to charge me the additional cost for home insurance which I pay separately {$63.00} every month since XX/XX/XXXX and they are also increasing my mortgage payment without any explanation. I have no choice but to continue with this company since my credit report is poor but I beg for some action to be taken for their neglect of any assistance.
Consumer complaint received 2019-10-23
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)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 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 2023-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (CO)

On XX/XX/XXXX - Cashapp took {$220.00} from my account stating that XXXX updated a purchase from XXXX XXXX which was already paid and there were no issues- I contacted XXXX and they stated that Cash app was the guilty party due to a technical glitch they were experiencing- and hundreds of people were calling XXXX with the same complaint. 

The response I got was not true- XXXX had their deduction at time of order- this is double billing and theyre keeping the money.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicing has failed to answer issues regarding charges and fees shown on monthly mortgage statements. 

My Question on XX/XX/2020 : Why does my monthly statement show PAST UNPAID AMOUNT {$540.00}? Shellpoint Response on XX/XX/XXXX : Your XX/XX/2020 statement should reflect an update. 

As of today XXXX, the XX/XX/2020 statement attached shows PAST UNPAID AMOUNT {$540.00} ( No Update ), and XX/XX/2020 statement shows OVERDUE PAYMENT {$660.00} ( Increased ). Why and What For?? 

Shellpoint Response Statement on XX/XX/2020 : Shellpoint did not receive payment for XX/XX/2020, until XX/XX/2020, implying XX/XX/2020 was never received. 

My Question : Why wasnt the payment received on XX/XX/2020, applied to the account? Proof of payment received by Shellpoint but not properly credited to my loan account. 

Also, the XX/XX/2020 statement shows a XX/XX/2020 Attorney Cost Payment of {$88.00}? There are no arrearages owed on this account for Principal or Interest payments. Shellpoint Representative, XXXX XXXX ( Compliance Department ) stated on XX/XX/2020 letter, their records indicate that the attorney fees have been paid, so the current attorney fee balance is {$0.00} and there are no current arrearages. There are still ongoing discrepancies and improper handling of my loan account that needs to be corrected.
Consumer complaint received 2022-06-30
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. (FL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX* 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXXXXXX 5XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 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.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX & XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquiry on XX/XX/XXXX & XX/XX/XXXX, XXXX inquiry on XXXX XXXX XXXX, XXXX inquiry on XX/XX/XXXX, XXXX inquiry on XX/XX/XXXX, XXXX XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXX XX/XX/XXXX, ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I so two weeks ago I fille an investgtion with Equifax to remove the inquires off my credit report. I didn't authorize any company 's to run my social security number. So if you can help I would be most grateful.
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (TX)

15 U.S. Code 1681 Equifax has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them. 

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Equifax could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Equifax over 4 times with this. And yet Equifax STILL shows this account. I am within my legal rights to demand this account be removed from my equifax report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well. 

3XXXX XXXX XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Equifax has NOT done this! 

I am left with no choice but to start legal procedure against Equifax if these accounts are not removed immediately.
Consumer complaint received 2022-07-04
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. (FL)

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

In XX/XX/XXXX my mother XXXX XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am not liable for this debt with XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$770.00}
Consumer complaint received 2022-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC (FL)

I HAVE OPENED AND ATTEMPTED TO MAKE A DEPOSIT INTO MY NEW ACCOUNT BUT THE TRANSFER FAILED DUE TO THE BANK ON MY END NEEDING TO ADD THE NEW ACCOUNT INFORMATION AND CREATE AN EXTERNAL BANK ACCOUNT. MEANWHILE, ETRADE HAS RESTRICTED MY ACCOUNT UNTIL THEY VERIFY ME. REALLY ETRADE? I HAVE HAD MY ACCOUNTS FOR OVER 20 YEARS AND NOW YOU WISH TO VERIFY. I DID CALL AND SPOKE TO A CSR WHO DID NOT KNOW WHAT HE WAS TALKING ABOUT AND REQUESTED DOCS TO BE SENT I SAID FORGET IT AND CLOSE THE ACCOUNT. HE INSISTED THAT I SEND THE DOCS. I AM NOT GOING THROUGH THIS AND SIMPLY WISH FOR ETRADE TO CLOSE THE SAVINGS ACCOUNT. I HAVE ALSO MADE SEVERAL ATTEMPTS CALLING ETRADE TO NO AVAIL. I HAVE ATTACHED THE LETTERS ADDRESSING THIS ISSUE AND ETRADE HAS SIMPLY IGNORED THE REQUEST AND FAILED TO RESPOND.
Consumer complaint received 2022-12-20
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AL)

I filed a claim with my bank Wells Fargo for a transaction I paid for using my debit card with XXXX logo. I had been informed my purchases were protected. Wells Fargo closed my claim inquiry. I asked them why it was closed and they told me I would need to contact the merchant directly as I used a 3rd party app to pay for the service I did not receive. I know countless people who have used 3rd party apps and the validity of their claim was not based on who processed the payment.I paid a merchant for a service I did not receive and I have text communication from that merchant that proves I did not receive the service. I need to have the claim reopened so that I may provide the documentation that supports my claim. Wells Fargo did not even request supporting documentation. XXXX or Wells Fargo should refund my money.