davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

NewRez LLC c/o Shellpoint Mortgage Servicing has been receiving my payment via " billpay '' through my financial institution for years. I have the automatic payment set to pay every XXXX for the payment due on the following XXXX. On XX/XX/XXXX my payment of {$2200.00} shows as the normal ACH withdrawal to Shellpoint Mortgage on my bank statement. On XX/XX/XXXX my bank statement shows {$2200.00} deposited back into my account from Shellpoint Mortgage. Phone call is made to NewRez customer service... they claim no payment was made for the XXXX due.. I do some more investigating in the " history '' of the " billpay '' and it just shows that the " transaction failed '' ( lots of money in the account to cover the transaction- that is not the problem ). Go to the Credit Union to try and find out what is going on. They investigate and say the only thing they can figure out is that the account # for the mortgage must have changed. Call back to NewRez customer service ... .No the account # did not change -- -but the mailing address did. I explained that I can not change the mailing address in " billpay '' because the " payee has a relationship with billpay to provide that information ''. Customer service did say they had been getting a lot of calls over this issue. 

I mailed a check to the new address XX/XX/XXXX for {$2200.00} and it is credited to my account on XX/XX/XXXX. I received a XXXX showing that payment with {$360.00} going to interest, {$570.00} to Escrow I had set an additional " billpay '' to go out XX/XX/XXXX ( to check NewRez/ Shellpoint got the issue corrected ) as I don't have an issue with making extra payment, and left my normal payment set for the XXXX of each month. 
A check from billpay cleared ( not the normal ACH ) XX/XX/XXXX and XX/XX/XXXX both in the amount of {$2200.00}. XXXX dated XX/XX/XXXX shows those payments as {$710.00} in interest, and {$1100.00} going to XXXX XXXX???? I just had a payment clear on XX/XX/XXXX and they come up with {$710.00} in interest -- -no late payments, 4.375 % interest. I just ran calculations and taking out the full Escrow that they did ( which they should not have ) we are at a difference of {$520.00} in interest that they overcharged me!
Consumer complaint received 2022-07-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

I received a phone call in my office at my workplace. During the call, a person told me that my store was expecting a shipment *security cameras ) but It could not be delivered because there was an unsettled balance. This person told me that my boss was in the line too.. I could hear his voice and we had a conversation, my fake boss instructed me to take money from our register to pay for the delivery. I ask the other person if the delivery guy could take cash but he said no, I should do a money transfer by MoneyGram instead. This payment needed to be done quickly because we could be charged a fee. 
My fake boss allowed me to go and do the money transfer for {$1000.00}, this money will be received in XXXX in a bank account in XXXX XXXX. 
So I went to a CVS pharmacy and did it. As soon as I finished, I called my boss from my personal phone number and I confirm the transaction but he told me that he never talked to me over the phone and that we were not expecting any delivery. So I realized I was a victim of scam/fraud. Immediately, I call MoneyGram to report the fraud.
Consumer complaint received 2018-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. 

They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. 

I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX  for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX   XXXX and has XXXX XXXX  XXXX XXXX requiring continuous medical care.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I purchased XXXX XXXX XXXX XXXX Preferred Service Agreement ) with the lease of my brand new XXXX XXXX XXXX. It is my belief that the company that runs this plan is a complete fraud and is purposely refusing to fix damage that is covered by the plan that was purchased. I have called XXXX XXXX on numerous occasions and have been given the runaround. It is my belief that this company is taking honest customer money with the intent to never pay on a claim. This product should never be sold with vehicles if it is criminal in nature. The contract is predatory in nature.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TN)

I refinanced my mortgage with Newrez mortgage company in XXXX. They placed the account with shell point mortgage services which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE old deleted XXXX XXXX  re-inserted -illegally NEEDS TO BE DELETED refer to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) TRANSUNION DELETED AN ACCOUNT AND REINSERTED WITHOUT EVER NOTIFYING ME.

Statement of Facts there is a law that does state that if AN ITEM IS DELETED from a credit file and is RE-Instated for ANY reason.. the Credit bureau must notify ME within 5 business days after the date of re-insertion. This is a law or code of the FCRA the exact law pertaining to this issue is 15 U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) AND I quote ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well past 5 days and I received no notification of a re-insertion. Is this law not valid?
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING UNKNOWN ITEMS AND INACCURATE THINGS ON MY CREDIT REPORT TO THIS DAY XX/XX/2021, XXXX  DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET AND I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND IGNORED OF MY DISPUTES. MY INFORMATION WAS ALSO AFFECTED BY THE EQUIFAX DATA BREACH.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2022-03-22
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. (FL)

I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today XX/XX/2022 I was spoke with XXXX a Senior Account Manager at Capital One. Her ID # : XXXX, XXXX wouldn't give up her last name when I asked for it. We spoke about Capital One Agreement and Credit Reporting. When opening up both of my account I was told that I had to opt in credit reporting and that there is no option in opting out of credit reporting. Capital have violated 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Durin the phone conversation I kept asking why was I never informed on how to exercise this option and XXXX kept implying there is no option and that I was stuck with this and that I have no privacy.
Consumer complaint received 2023-08-10
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. (FL)

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. 1.XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 2. XXXX XXXX XXXX BALANCE {$1800.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 3. XXXX XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 4. XXXX XXXX XXXX BALANCE {$1000.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 5. XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 6. XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 7. XXXX XXXX BALANCE {$710.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 8. XXXX XXXX XXXX BALANCE {$990.00} BALANCE UPDATED XX/XX/2023. UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 9. XXXX XXXX XXXX BALANCE {$400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. ALSO AMOUNTS UNDER {$500.00} ARE NOT ALLOWED TO BE REPORTED ON CREDIT REPORTS.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-11-16
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: VANDERBILT MORTGAGE & FINANCE, INC (TN)

XXXX  has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX  and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-10
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: Carvana Group, LLC (PA)

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from Carvana LLC has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

My account was accessed by someone that used my personal information to gain access to my NetSpend account and used a card that they sent to that person ... that person spent all of my money in different states ... I noticed that this occurred on XX/XX/22 and cancelled the card and reported fraud..the dispute department denied my claim because they said my device id was used to do transactions ... I sent NetSpend my identification card to show that I never authorized or made any of the transactions... I need help..I am out of over XXXX I need help getting my funds back.. I sent the letter from NetSpend and transaction history ... I live in XXXX NC and the transaction history shows different states that transaction happened...
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I got an email from Bank of America stating that my account was added to another account. I never authorized or did anything to my account. This was my edd money I had left over which was about XXXX $ I still had on it. I wasnt expecting my money to be wiped out to zero. I called Bank of America and they kept having me try to change my identity questions because they were wrong apparently and tampered with as they said so I kept changing them every time I called. I filed a claim and called many times and told them I just wanted to find out where my money went and get it back like most banks do. They came back with saying that they found nothing wrong with my account. This was driving me crazy because I didnt touch that money. I needed it for bills and rent and clearly was struggling and holding onto it as much as I could. I thought filing a claim they would be able to see if the money was taken out by someone or put somewhere and that is usually what they do but they pretty much shut me out.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.