davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CO)

Specialized Loan Servicing was acquired by Shellpoint a division of newrez on XX/XX/year>. I was advised of the change and that my loan number would remain the same and that I would receive new checks with routing and account numbers withing 15 days. This did not happen. I called Shellpoint sometime after XX/XX/year> as I did not see any record of a direct deposit which should have occurred on XX/XX/year> for {$4800.00} from my employer. I have had my pay checks paid to Specialized Loan Servicing for years without issue. I have made numerous calls and have been told they see no records in this amount. I have asked that they check the old routing numbers which I have provided and have been told that they have no visibility to that information. My company has not had the paycheck rejected and so they are unwilling to issue another check. I have sent an email on XX/XX/year> to XXXX as per instructed and included a copy of the pay check information with no follow up even after I sent a second email on XX/XX/year> asking for a status update. I was also instructed by Shellpoint to call Specialized Loan Servicing to inquire about my paycheck but Shellpoint has taken over their phone numbers so Shellpoint answers all the calls.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I called Wells Fargo to do a balance transfer to two of my XXXX credit card accounts. One transfer was completed successfully for {$3500.00} to my XXXX XXXX account. The second transfer of {$3000.00} was sent to the wrong account. The last XXXX numbers were transposed backwards from the previous. Whether the Wells Fargo employee entered them backwards or I gave them to him backwards, the result was the same. Another account holder has my money. People do make mistakes. I am not sure it was really recorded, but I do know WF has not done anything to get my money back. I am now paying on the the {$3000.00} on my WF account and the same on my XXXX credit card. Now this is totaling {$6000.00}. I found out on XX/XX/XXXX that indeed my money went to the wrong account by WF and that they were going to request a reverse transfer. I spoke to XXXX first who informed me no transfer had occurred. Case was opened and closed. No money returned. Paperwork via email on XX/XX/XXXX saying my concerns received. XX/XX/XXXX email not legible. Multiple phone calls without any progress. On XX/XX/XXXX spoke to WF XXXX case closed and now reopened. Case # XXXX. On XX/XX/XXXX called WF again XXXX, no notes, then to XXXX which said it could take up to 90 days. XX/XX/XXXX call from XXXX to say decision to be made by XXXX closed again without any action. XX/XX/XXXX XXXX was notified and two supervisors XXXX and XXXX verified there had not been ANY communication from WF regarding this matter. XXXX informed me that she indeed could see the transfer which posted on XXXX to someone elses account. She said she could not do anything about it unfortunately because the transfer came from another bank. Immediately I called WF on the # that was on the letter and spoke with XXXX who couldnt see any notes then transferred me to customer service XXXX the to XXXX gave her my last case # which had been closed # XXXX. Transferred to XXXX who knew nothing and tried to get another supervisor XXXX which was u successful. Another case # from more email XXXX. I filed a report with the XXXX. On XXXX I received a call from XXXX informing XXXX that XXXX had received my complaint from the XXXX  and I would get an answer by XXXX. Had I looked to see they had an F rating from the XXXX  I would not have used them. Next stop is the Federal Trade Commission and legal counsel. WF has failed the consumer once again! Thank you in advance for any help you can give.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer XXXX score XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Mo XXXX XXXX
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I filed a claim with my HomeOwners Insurance in XX/XX/XXXX. They denied my claim and dropped me. So in order to get new homeowners Insurance I had to fix what needed to be fix out of my own pocket because my previous HomeOwners Insurance company dropped me and denied my claim. So I sued. I got my settlement check in XX/XX/XXXX and it was written to me and my Mortgage Company.  The Mortgage company decided to treat this like a claim and they are holding my money. Its not a claim its a settlement check from my old Homeowners Insurance Company and that was filed through the court system. I have waited all this time to get my money back for work that my HomeOwners insurance should have taken care of and now my mortgage company wont release my funds. They are turning a settlement into a claim. They wont release my funds and give me my money back. I have given them all the legal documents from the courts and they still refuse to return my money to me. I am in the process of a loan modification which I have paid on time with no issues. RushMore Loan only tries to make the consumer look bad yes, I was late on my mortgage and due for XX/XX/XXXX, and yes I am on a loan Modification which will be coming to an end XX/XX/XXXX. So why are my funds being monitored on a claim I filed with my Homeowners Insurance in XX/XX/XXXX. And why is this being treated like a claim when I never filed a claim with my Mortgage Company. They have no legal document of me filing a claim in XX/XX/XXXX.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

The bank/credit card is XXXX XXXX. They perpetrate all of the items you list as " most describes your issue '', I have moved and filled out the section on the bill of X/X/17 as per they 're instructions to change my address subsequent to this I have now moved and am being harassed for payment. On XX/XX/XXXX I paid my bill ( {$22.00} ) and now realize I have not received a new one. I answered a call just a couple of days ago and told them my new address and the woman said it has been changed, I asked for a copy of the recording because I did not hang up until that was said. I just now, before XXXX received another collection call and told them I changed the address get me a bill. 

What I want is these people and others like them to be made to do their jobs and not have the ability to just start harassing people especially when it is their own incompetence causing the problem. I followed their instructions, they did n't do their job and I am being harassed. someone should loose there job and I should be able to sue the individuals responsible and the company! that would make them do what they were supposed to do. 

This is the second time Citi has caused me a problem and that should not be tolerated. A individual like me ca n't do anything, but you should go after these people!!!!!!!
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MD)

AS of XX/XX/2017, I am two weeks late on closing on my short sale because my mortgage company will not approve allowable charges under the terms of the loan. They are claiming HUD wont approve but my attorney has gotten written documentation on the HUD approval for the charges. Roundpoint has been retaliating against the me because I have been sending complaints up the chain because of their POOR practices and work processes. They have held up my short sale or months. These delays are constant RETALIATION and should be against the law.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2017-10-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC (FL)

Good morning. My name is XXXX XXXX XXXX, XXXX # XXXX. I represent XXXX and XXXX XXXX in the following situation : Earlier this year XXXX and XXXX 's mother, XXXX XXXX lived in XXXX XXXX Florida at XXXX XXXX XXXX, XXXX XXXX Florida, XXXX and passed away in XXXX. She has a mortgage on the home secured by XXXX Bank as the owner and SLS as the servicer. The home is now in foreclosure and just came out of probate as the 2 sons, XXXX and XXXX are the executors of the estate of XXXX XXXX, XXXX, they are NOT liable for her mortgage debt. To make things easier to get past this, the son 's have hired me to negotiate a short sale with the servicer, SLS and I am moving forward with that. Here is the problem. The foreclosing attorney, XXXX XXXX of XXXX XXXX XXXX, XXXX Fl, XXXX keeps sending XXXX, XXXX and even their spouses summons and filing for foreclosure to collect the unpaid mortgage on their DEACEASED mother 's home. The servicer, SLS has all of my representative paperwork stating that I now have a cash borrower and we can negotiate a short sale.
Consumer complaint received 2017-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

XXXX XXXX - I made a transaction from my XXXX account to my XXXX ( Coinbase ) Ether account of XXXX XXXX worth {$860.00} at that time. 

I realize that I must not send XXXX XXXX to my XXXX Ether address. However mistakes happen and now I have {$860.00} dollars worth of XXXX sitting at this address at XXXX and I ca n't access it. 

I immediately tried to cancel the transaction but it was too late. I also immediately contacted the customer support but I was told that the money is not accessible. 

I understand that I made a mistake and I also understand if I have to pay a service fee to get my money back - but I ca n't accept that the money is lost.
Consumer complaint received 2024-08-09
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

PRA did not adhere to the fair credit reporting act and the fdcpa. t pra did not stop collections when i disputed the account within 30 days of communication. They also placed the account on my credit shortly after. I asked for a complete history of the account. They only provided 3 months, this was incorrect so i asked for the complete payment history because they are collecting on the entire account not 3 months of it. This company is a fraud to the consumers. they pay pennies on the dollar and use slippery practices to bypass the law. They are a disgrace. this should have not been on my credit report at all.
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northern Alliance Management, LLC (NC)

Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

My mortgage provider has refused to cancel my PMI now that the loan to value is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. 

In accordance with the HPA and CFPB Bulletin XX/XX/XXXX-XX/XX/XXXX they are required to cancel my PMI at 78 % of original value at anytime it occurs.
Consumer complaint received 2024-08-07
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: Selene Holdings LLC (SC)

I applied for assistance roughly XX/XX/XXXX or XXXX by submitting a Repayment Plan request via fax. The application was received and a letter was sent advising me a response would rendered no later than XXXX of XXXX. I called weekly for updates, including on the the a response was due. Ive called 4 times since, weekly and still no response. The cycle was closed with no denial and reopened as if I closed or reopened the request for assistance. I spoke with a gentleman in XXXX who denied me a request for a supervisor and disconnected the call on me. This company is horrible. Poor communication. XXXX was helpful attempting but she also didn't understand why or what was going on. I now see why files that are sold to other 3rd parties transferring from Selene have unresolved Loss Mitigation efforts. This company need to be internally investigated. I have been trying to resolve since my loan my transferred from XXXX XXXX.
Consumer complaint received 2016-12-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

For two months now I have not been unable to access my M & T bank accounts online. I rely on online banking to pay my bills. I have made XXXX separate phone calls over the past two months regarding this issue. Every phone call they tried to reset my account and nothing worked. I still get a message after I log in that says, " online banking is temporarily unavailable. We are working to resolve the service as soon as possible ''. No one has been able to help me and each time I have called I was told that they have to put my name on a list and a supervisor will get back to me the next day. That never happened! I have now been delinquent on my bills for almost two months. A couple of them I was able to pay directly. I just saw on a my mortgage lender account that the bill that I paid using my checkbook was rejected for some reason and I have been charged XXXX late fees!!! The representatives that I spoke with each acknowledged that it was a problem on M & T 's end but yet they have n't it in two months. I have n't even received a phone call. 

I went to a free standing M & T Bank and they told me that they could not help with online issues. Today is now my fourth phone call to M & T bank. I asked to speak to a supervisor and I was put on hold for approximately 56 minutes now. I am still on hold as I am typing this complaint. I ca n't believe that they would treat their customers this way. In the past I have waited no more than 2 minutes for my call to be answered. 

I need this issue resolved as soon as possible. I have never had a late payment to a payee. Now I have a bunch of late fees and counting. My credit is becoming affected by this. Please advise!!
Consumer complaint received 2017-10-08
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: Skopos Financial, LLC (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is  informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started 72 month auto loan with XXXX XXXX XXXX in XXXX of XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and XXXX themselves on over 10 occasions ). 

I had made the last payment on my auto loan onXX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me XXXX. 

There was another payment made onXX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XXXX. 

There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment. 

On XX/XX/XXXX, XXXX advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to XXXX, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points. 

On XX/XX/XXXX, I sent Transunion, XXXX XXXX AND XXXX all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status. 

On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be. 

On XX/XX/XXXX, XXXX, once again, reported my account to all three credit reporting agencies as delinquent with a zero balance on this closed account. As a result, my credit dropped another XXXX points. 

I have made, again, in excess of over 5 calls to Transunion and XXXX trying to get my report corrected and to get XXXX to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because XXXX wont correct their system. 

I am trying to purchase a home and this XXXX point drop in my credit is preventing this from happening. XXXX is not helping me with this matter in ANY way other than telling me to keep disputing it.