davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Please refer to my complaint XXXX and the XXXX  response ! 

1. In my correspondence with XXXX  for last 10 years and before, I have always received copies of HELOC NOTE WITHOUT blank endorsement stamped on the last page but only with mine and my wife signatures and dates. 

2. All copies of HELOC NOTE received for last 10 years and before on the front page says '' CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIIGINAL ''. How did XXXX  send us the copies over the years which is contradicting the certification on the first page?

3. XXXX  has to prove that the signature is WET SIGNATURE and its not stamp. I have 9 different signatures of XXXX XXXX XXXX on different stamps in different countrywide offices nationwide and also on document signed elsewhere completely different way. 

4. I am claiming that this stamp was added on the NOTE after my repeated requests of getting original copy of the NOTE. At what point in time it was added I donot know. Only XXXX  custodian which I presume is XXXX XXXX can attest to it. 

5. XXXX  brings a XXXX statute saying that date is not important and that is fine for normal cases but what XXXX has done with ROBO-Signing was FRAUD and its all in open. XXXX execeutives in swearin testimony have accepted that surrogate XXXX employees were involved in robo-signing these endorsements using stamps in a wellknown scandal. so what XXXX  is defending doesnot make sense. 

6. Any one can get access to these stamps any time and stamp the NOTES. That is what happened before XXXX filed for bankruptcy. Therefore having date is to remove the discrepancy. 

7. Please provide date of this endorsement. Of course my attorney will litigate this isssue in foreclosure mediation and/or before the judge. 

8. We can avoid this piece of litigation if XXXX  can prove that its wet signature of XXXXXXXX XXXX XXXX and the date when it was signed. 

thank you.
Consumer complaint received 2022-10-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Thank you for providing a copy of all the communication from XXXX until charge off date. 

I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

This is to formally advise Transworld Systems , Inc. that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from your company. 

Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I purchased a XXXX in XXXX and obtained a loan with Wells Fargo that required me to make monthly payments of {$700.00} beginning in XXXX of XXXX and such payments were made from that date thru XXXX of XXXX at which time due to Covid I experienced money issues. I explained that situation to Wells Fargo and they offered to grant me a deferment for XXXX months and sent a letter to that effect which stated that my next payment would not be due until XXXX of XXXX and I then made my monthly payments as of XXXX of XXXX up to the present time. I then attempted to refinance my home but was denied by the lenders who told me my credit reports showed me missing the payments to Wells Fargo in XXXX of XXXX and XXXX of XXXX, the XXXX months for which I received deferments. I have contacted Wells Fargo asking them to correct the situation but they have refused stating that their records show me missing the XXXX months of payment while also acknowledging the deferment. And because of that lending companies are refusing to engage in any refinancing of my mortgage. This is absurd. How can they say I missed payments when they granted me deferments for the same XXXX months?
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CT)

I have received an arrangement with Barclays card. Paid the bill over 4 months ago. Have a check copy from my bank and a bank statement reflecting that the amount of XXXX, XXXX was paid and the company refused to clear my account saying that an investigation has to be done but it will take 60 to 90 days. Thats not fair that I have to wait almost 7 months for them to clear my credit. I need to buy a house. Please help me. I can give you copies of information. Thanks XXXX XXXX I need to buy a condo to live or will be homeless
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Good Afternoon, Last year I felt a bit squeezed financially by Covid and the lack of overtime at my work so I took Bank of America up on their offer of help. I agreed to a temporary reduction of my loan. I successfully paid during the trial period. After the trial Bank of America offered me a 30 year fixed new rate. But I turned it down because I only have $ XXXX left on my loan so it was foolish to even entertain this offer. I still have $ XXXX left on my loan never missing a payment and at times paying more. But Bank of America has tacked on an extra payment of $ XXXX on to my loan after I rejected the permanent offer. They even add extra fees every month as late fees to this new amount they say I owe for missing payment during the trial. I paid what they told me to pay ever month. 4 months. I asked for help and they have hurt me not helped me. Its like I went to the mob for a loan and have to pay a vig. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXXXXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TN)

On XX/XX/XXXX I was in receipt of a notice from XXXX XXXX XXXX that they were trying to collect a debt allegedly owed to an apartment complex. My attorney, on my behalf, sent a letter to them dated XX/XX/XXXX, notifying them of the fraudulent account and urged them to cease and desist all collection activity. Fast forward to XXXX of XXXX and I discovered I was not able to rent an apartment due to this collection showing up on my credit report. I have disputed multiple times with the credit bureaus to no avail and my attorney gave every opportunity to the apartment complex and XXXX XXXX to remove/block it. To date, that has not been done. On XX/XX/XXXX my attorney, on my behalf, filed suit in small claims court against the apartment complex. Still later, that attorney has had numerous communications with the manager of XXXX XXXX, providing ALL relevant documentation and giving them the chance ( s ) to remove the reporting of this fraudulent account. As of this time, they continue to certify it to the credit bureaus despite knowing its fraud. My attorney has drafted a federal lawsuit against XXXX XXXX, which will be filed should they still fail to cease reporting. XXXX XXXX has continually violated my rights under the FCRA by failing to conduct an independent investigation and siding with the lender simply because it is financially beneficial to do so. Every attempt they have made to collect this bogus debt is another violation of the FCRA and constitutes unfair trade practices at the very least. I have included all relevant documentation/ court records for proof.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

New Rez LLC / Shellpoint Mortgage are companies involved.

Shellpoint applied private insurance and increased monthly loan payment over {$100.00} with no just cause. Prior to XX/XX/2022, payment was {$430.00}. Currently, it is {$560.00}. 
This is our mother 's mortgage and she is XXXX and is very distressed that no one will help and all our attempts to get help with Shellpoint have been a ridiculous waste of time. In XXXX, our mother was so distressed after a call, she became ill and had to seek medical attention. 
The reason Shellpoint increased the payment was due the 'loss ' of Insurance coverage documentation after a change in their organization. Since XXXX, we has verification of Insurance on multiple occasions. We also mailed hard copies, along with our POA documentation ( which they also couldn't find ). We have contacted Shellpoint no less than 10 times in the past six month by phone, email, fax and us mail. When we call, we continue to be told an escrow analysis must be ordered, despite having ordered an escrow analysis on several prior occasions. We have been told there is no supervisor, there's no way to speak with a person in loan servicing, and today we were told Shellpoint doesn't make outbound calls if we leave a message -- and to reach someone in the insurance or escrow analysis department we must call back ( can't be transferred ). We tried to send secure messages using the Shellpoint website and that feature does not work. 
I can provide dates, names, email exchanges, etc. 
We plan to contact the XXXX XXXX XXXX and begin a campaign on social media. The anxiety and pain they have caused our mother is unforgiveable.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs XXXX XXXX  it states case : XXXX XXXX. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of New York.. which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being XXXX  XXXX  so who ever u was talking too was not me. XXXX XXXX XXXX doesnt even exist so how could u possible collecting a debt from them and valid date it
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC. (OK)

Used XXXX through Arvest to put a deposit of {$500.00} on an animal. Then the recipient requested an additional refundable {$1500.00} to ship him bc he forgot to put him in the right size carrier. I requested a refund on XX/XX/22, he agreed, and then I never received it. Disputed the charge with my bank, but they were unable to recover the funds without a reason listed. Reported him through XXXX, they revoked his account, reported him through XXXX where he said he would send it next, he blocked the transaction and me, reported online through reverse phone lookup and through the online website in scams for all consumers. Repeatedly changes his name and his email.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NY)

This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs Aramis cabrera it states case : XXXX 2016. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of XXXX XXXX which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being in prison so who ever u was talking too was not me. Toys r us doesnt even exist so how could u possible collecting a debt from them and valid date it
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/year> Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2024-10-29
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.