davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (FL)

I am writing to formally file a complaint against Shellpoint Mortgage Servicing and their third-party representatives for engaging in deceptive and unfair practices in handling my mortgage forbearance request. 

In XX/XX/2023, I requested a mortgage forbearance due to a family medical emergency. My wife was XXXX  XXXX XXXX and underwent a XXXX XXXX Since then, I have made every effort to keep Shellpoint informed about our situation, maintaining frequent communication to ensure they were fully aware of our circumstances. However, throughout this process, I found their communication to be inconsistent, disjointed, and often frustrating. 

Now that the forbearance period has ended, I am seeking options to retain my home and safeguard my familys well-being. Unfortunately, despite my consistent efforts to resolve the matter, Shellpoint has provided little assistance. They have offered no meaningful solutions other than requiring me to cure the full amount of the default. 

I have also recently discovered that Shellpoint has been sending letters falsely stating they were unable to contact me. This tactic appears to be a way for them to document misleading claims that could be used against me in the future. I want to make it clear that I have remained in constant communication with them throughout this entire process. I request that all phone call records and any other forms of communication between Shellpoint and me be made available as evidence to substantiate my claim. 

I believe Shellpoint, along with their private investors, may be working together to unjustly foreclose on my home. These actions are deceitful, and I believe they are deliberately attempting to strip my family of our most valuable possession, our home, which has been our only source of stability since my wifes diagnosis. 

I am prepared to do whatever it takes to retain my property and seek a fair and equitable resolution. I am requesting your assistance in ensuring that Shellpoint Mortgage Servicing provides an honest, transparent, and just process moving forward, rather than relying on scare tactics and dismissive treatment. 

Thank you for your attention to this matter. I look forward to your guidance and support in securing a resolution that protects my familys rights and our home. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation (CA)

XX/XX/2015 my XXXX store credit card was declined at a XXXX. It turned out that I had missed my XX/XX/2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XX/XX/2015 ). When I went online to pay the bill, I saw a message that XXXX was " actively collecting a debt. '' ( Yes, after only missing one payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " Merchants Credit '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to XXXX or to anyone else. I pay my accounts in full and on time. " Merchants Credit '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

On XXXX I Received an alleged debt collection letter from Hunt & Henriquez that I owe {$5400.00}. 
I responded on XXXX disputing and requesting for a validation letter not a verification letter for the alleged debt. 
2. Requested original contract showing I agreed to pay for the alleged debt. 
3. A copy of chain of title that grants Hunt & Henrquez authority to collect. 

On XXXX approximately XXXXXXXX XXXX there was a repetitive loud banging on my door which startled my family and I.. A gentlemen was there with a set of papers and didnt want to identify himself. At this time of the night to hear loud banging and not knowing who or why theyre at my house was a big concern since they didnt want to identify themselves. They threw the papers in front on my door step. I waited about 20-25 minutes for them to get into a white suspicious vehicle that finally took off. I opened the door again and it was a summons from Hunt & Henriquez. Im dont think those are reasonable hours for any type of business to send out their employees and harass people by aggressively banging on their doors.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!
Consumer complaint received 2015-04-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MD)

Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Collection Account Violation of Consumer Rights Dear CFPB, I am writing to formally dispute the presence of a collection account on my consumer report. The collection agency responsible for this account has failed to comply with several provisions of federal law, and I am requesting that this account be removed from my report immediately based on the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has placed this account on my consumer report without providing the required validation information. Under 12 CFR 1006.34 ( b ) ( 5 ), the agency is obligated to provide specific validation information regarding the debt, which has not been done. This failure to validate the debt violates my rights as a consumer. 

2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a proper opportunity to dispute the account. According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), a consumer must be informed of their right to dispute the debt before it is reported to any consumer reporting agency. The collection agency did not provide this information, which prevented me from exercising my right to dispute the validity of the debt.

3. Use of False and Deceptive Means : The collection agencys actions constitute a violation of my consumer rights by using false and deceptive means. Reporting a debt without proper validation and disclosure is misleading and creates an inaccurate reflection of my financial situation. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has no authority to furnish information regarding this account to any consumer reporting agency without providing the necessary disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), as they have reported the debt without meeting the required legal standards for disclosure and accuracy. 
I respectfully request that this collection account be removed from my consumer report immediately. The actions of the collection agency have caused undue harm, and I expect swift and appropriate action from the CFPB to address these violations of federal law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.
Consumer complaint received 2024-10-16
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CO)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for 1099-C for Account Number : XXXX Dear Nordstrom/TD Bank, I am writing to formally request a copy of IRS Form 1099-C ( Cancellation of Debt ) related to the charged-off account referenced above. According to IRS regulations ( Internal Revenue Code Section 6050P ), any creditor that discharges or cancels a debt of {$600.00} or more is required to issue a Form 1099-C to the debtor and to the IRS, as this canceled debt may be considered taxable income.

As this account has been charged off and reported as such on my credit report, I am requesting confirmation as to whether the debt has been canceled and a Form 1099-C has been issued. If this is the case, please provide me with a copy of the 1099-C that was filed with the IRS.

If a 1099-C has not been issued but the debt has indeed been canceled or written off, I ask that you comply with IRS guidelines by issuing the necessary tax form and providing it to me promptly. Should the debt remain collectible, please provide a detailed explanation of the current status of the debt and any actions taken regarding this account. 

I appreciate your prompt attention to this matter and look forward to receiving your response and the requested documentation within 30 days of receipt of this letter. 

Thank you for your cooperation.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (SC)

Beginning in XX/XX/year> I was diagnosed as being XXXX which affected our income tremendously. Before I was diagnosed we had a perfect record of making the mortgage payment on time and never missed a payment. We exhausted all means of our finances including maxing out credit cards. We reached out the Shellpoint Mortgage to seek help in getting back on track after a month of not being able to pay. They gave us forebearance for 6 months. Then when the forebearance period was up the only program that was offered to us was a modification of the loan. XXXX XXXX was our point of contact. She proceeds to tell us after getting documents sent to her that we were approved but the payments would be {$240000.00} which is much higher than our past payment of {$1400.00}, We were told that we will have a trial period of three months to pay {$2400.00} and then we would have to make that payment or it could change to a higher payment for the remaining years of the loan which is 27 years. We explained to XXXX XXXX than we would not be able to afford that kind of payment and her reply was we can pay {$11000.00} to catch up the loan and stay with the previous payment of {$1400.00} or make the trial payments of {$2400.00} and it was not negotiable. We went to our mortgage consultant and he advised us that this was not a true modification. We reached out to XXXX XXXX and our consultant talked to her to let her know that this is not a true modification and there was no way we could afford the payments they were asking for. XXXX XXXX told him that it is not negotiable. We then asked to speak to a supervisor and she contacted someone named XXXX. Our consultant spoke with XXXX and he proceeded to tell her how what they were asking is not a part of a true modification. XXXX proceeded to tell him that it is was not negotiable either take it or leave it. We thought it was handled very unprofessional and really down right rude. We feel like they are not trying to help us at all. We would like to have payments that we can afford in order to keep our home.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services (NJ)

BYL Management Services LLC submitted XXXX collection notices to my XXXX credit report regarding bills from XXXX XXXX XXXX sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015. This was after a representative from the NJ XXXX XXXX had contacted XXXX and informed them that they would be paying any outstanding debt on my family 's behalf after their meeting on XXXX/XXXX/2015. I ( 1 ) had never received a bill from XXXX showing this balance, ( 2 ) show a XXXX balance when I access their website and ( 3 ) never received notice from BYL XXXX XXXX stating that I owed them any type of debt prior to them placing a collection account on my credit report.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (KY)

I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AL)

XXXX XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block & DELETE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public informations Section account opened XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX Bank on XX/XX/XXXX under the account number ( XXXX ),. These accounts have resulted in ( 2 ) fraudulent collections appearing on my consumer FICO credit report.I do not recognize the aforementioned accounts, The aforementioned accounts, result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are a result of identity theft and fraud. 

DEMAND FOR ACTION : Please remove this inaccurate information from my credit report, Please investigate and delete from my credit report.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Lexis Nexis credit reporting agency block all of the accounts, DELETE accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (TX)

It was brought to my attention upon checking my credit report. There is an account owned by XXXX XXXX XXXX opened around XXXX  owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.