davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

It has been over 16 years on a mortgage of 30 years that has repeatedly changed ownership of different companies that have all each gone bankrupt and my account payments have not been serviced and processed, correctly..I called Shellpoint to discuss this matter with them, and I was told that they had noone that could help and diverted me to a po box to submit complaints. There has been an error with servicing my loan by this company.and this company has furnished inaccurate information on my Mortgage Statement. I have paid on this loan over 16 years and the Principle and interest are not reflective of the current payment that I should be paying .I have pai the majority of interest on this loan and this Mortgage Company is taking over the interest due on the account due .The loan has never been evaluated to the revised principle and interest due, as of date.I am paying the wrong Principle and interest amounts for my monthly payments.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank, which owns our mortgage, conducted an off-cycle escrow analysis which we did not request. Though the bank 's stated reason was that our home insurance cost had substantially DECLINED, the " analysis '' demanded an INCREASE in our mortgage, payment on which is and has always been current. The bank has since applied the increase to our latest mortgage bill despite acknowledging in several phone calls by me to its " Executive Office '', that it can not verify the figures in the analysis and " has not had time to research '' them. 
Wells Fargo had, one month prior to my receipt of the new " analysis '' on XXXX XXXX, XXXX, made an overpayment to our home insurance company. Through a rather time-consuming process I had reimbursed this {$420.00} overpayment to Wells Fargo Escrow Department. Despite my bank recording that Wells Fargo cashed that check from me on XXXX XXXX, its " Executive Office '' would not confirm receipt of it to me on XXXX XXXX, one week later. 
Wells Fargo 's " Executive Office '' after two lengthy discussions, on XXXX XXXX and XXXX XXXX, refuses my request, to set aside the false and unrequested " analysis '' and to revert to our previous monthly mortgage amount pending the next regular escrow analysis in XX/XX/XXXX.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

had done a quick cash of {$20.00} inXX/XX/2020 have been paying well over min due and last month was charged .38 interest and even though balance was dropped due to over payment this month was charged .39 interest on same money i did call capitol one and guy had no clue and over the previous months have been charged in the .30-.39 interest range
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management, using multiple names keeps calling, Keep asking for XXXX, who is not me and for whom I have never heard. I tell them that, even when they pretend to be a friend. 

I have told them to stop then they ask for my social security number, and all sorts of personal info. I tell them no, and they say they will just keep calling because they can not identify me. I tell them if I am not who they seek why would I give them private info. They just keep calling. 

XXXX, XXXX, XXXX and these are only some of the number. 
They have called easily over 100 times in the last 6 weeks. I have had this number at least 1.5 years. My number is XXXX, and they obviously have my number.
Consumer complaint received 2023-03-27
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. (TX)

Dept of housing states I received a loan for XXXX.on XXXX XXXX I paid off my home in XX/XX/XXXX  I did not make or apply for a loan I would like this to be removed from my credit account.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

On XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the Covid 19 payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. On Friday, XX/XX/XXXX I reached out to Mohela through their web chat and was told that the request has completed processing and was sent to the US Treasury. The representative could not give me an exact date that it completed processing. The representative stated that I could reach out to the US Treasury to check on the status. I reached out to them and that representative told me that they do not have anything in my name for a refund payment. I called Mohela and spoke to a representative. She stated that there is no way to see the status of the refund request and that I would have to wait another 60-90 days. My complaint is that they are keeping my money with little communication or accountability. Mohela is not consistent in their response and provides no written documentation on the status of important financial transactions. They appear to be moving the goalpost on their timelines, which is causing financial anxiety and pressure.
Consumer complaint received 2020-11-14
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. (OH)

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the equifax data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TN)

1.I have never had an account with this company BARCLAYS BANK DELAWARE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IL)

For over a year, I have been filing disputes almost monthly with Equifax Credit Bureau about a collection account with XXXX XXXX XXXX that is not reporting accurate nor have I received the proper documents proving the debt I have asked Equifax over 12 times to verify this debt which they keep coming back saying that they have I then asked Equifax to provide me with their method of verification which Equifax will not provide me with saying they dont have that I need to contact the company I respond to Equifax letting them know I have contacted the company and they will not provide me with the proper documents Equifax has not done the proper steps to verify this debt but still reporting this on my credit file I have asked them to delete it over and over
Consumer complaint received 2020-06-22
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. (MO)

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} USDOEXXXX {$23000.00}
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TN)

1.I have never had an account with this company Spring Oaks Capital LLC , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Spring Oaks Capital LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

I submitted a claim in late summer trying to get answers on my account and they have not addressed the issue. They response to my claim did not answer my concern. They picked one thing I mentioned to address, I have called in numerous times trying to get answers and no one can ans me so I will try to make my question a bit more simple. 

I completed a mortgage trial period for 6 months ( XX/XX/2020 ) in which i was on time an became eligible to have the numbers finalized and my loan will be brought current with the new loan modification process. I returned all documents on time, ( this was during the beginning of Covid 19 so things were being processed a bit slower. XXXX at the time was my account manager and he said pay the amount that is in your new loan mod paperwork by calling in and make the payments he said once it is processed you can do it online. I did that for XXXX and XXXX, called in. In XXXX when it was time to make my payment instead of calling first I decided to check online to see and it was processed so I begin to make the payment, and when I went there it said that I owed for XXXX and XXXX and I had made XXXX 's payment. I called in to ask how is it that the first payment I am making online of my new modification says that I am behind a month when it just began and I have made all the payments according to the terms and conditions agreed upon. I have been making my payments each month on time and there is still a rolling balance of one months mortgage payment. NO ONE can explain to me how do you begin your new loan modification in the whole when I paid all payments on time. I initially mention escrows but that is not the real issue, The real issue is I have been told why i owe this money, additional mortgage payment. 

The lady helping me on one of my many calls to get answers said that once your modification is approved. They take all the money you paid during your trial and back it out and then add it back on with the new payment and it balances out but she could tell me why this wasn't happening in this instance. Now let me note this, in XXXX I made my payment and something unexpected came through and caused it to return, however i caught it before Fay Servicing received the return notice, I called in and reprocessed a successful payment and it still wasn't late so I did make my XXXX payment. People have half read my profile notes and tried to say that is where the extra payment has come from. I have paid on time since the loan modification trial agreement and finalization of terms. I cant seem to keep an account manger like now I have no clue who it is and when people call its to collect that extra payment I do now owe. 

I have attached the previous complaint and all supporting documentation to this. I have so many problems with this bank and I feel that predatory lending is in effect and there are always tactics to cause home owners to loose their homes particularly minority families.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

With no warning Discover placed a hold on my account. My accounts have never late and i have had my credit cards for years. They are requesting a 4506 t through a third party which is XXXX. XXXX has had the biggest breach in credit reporting history. They do not offer an alternative for this and basically say if you do not comply they will close said account, which will reflect on your credit in several ways that will detrimental to the credit reporting. As a consumer and business owner this is not only breaching privacy policies and not allowing for any privacy. THIS IS AMERICA and although they are extending the credit, to force the consumer to give a 4506t is criminal. XX/XX/XXXX can claim to protect information. We all know that is not true. Based on their previous performance. 
This procedure is not one that can be trusted. The law also does not permit that you file taxes every year. with that said Discover has locked cards and did not warn the consumer before.. I am blessed i was not out of town or my son who is an authorized user was not using the card and not out dining to be declined. Please look into these practices.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining
to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-27
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. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/20 and XX/XX/20 funds were taken out of my Wells Fargo account without my permission. I will attach copies of the notices. Wells Fargo has DONE nothing to resolve this matter which is causing great hardship. How could they allow this to happen. The 2nd incident was dona on a wells fargo check with NO routing or account number, just taken out of my account. I would like answers