davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Our mortgage with Shellpoint Mortgage, Account # XXXX, was transferred to XXXX, effective XX/XX/XXXX. For reference, our new account number with XXXX is XXXX. 

Our final statement received from Shellpoint was dated XX/XX/XXXX and indicated an escrow balance of {$5200.00}. Our first statement from XXXX indicated only {$2400.00} in escrow that was transferred to them. There was also {$560.00} transferred to XXXX, as additional principal, which is a mystery amount. See attachments. There is an amount of {$2100.00} missing. 

I telephoned XXXX on XX/XX/XXXX and spoke to a gentleman, who identified himself as XXXX XXXX. XXXX stated that on XX/XX/XXXX, Shellpoint took it upon themselves, in error, to take out a lender based insurance policy on the property. This never should have taken place, as I had provided evidence of our homeowners insurance to Shellpoint, via email on XX/XX/XXXX and that receipt of that email was confirmed back to me on XX/XX/XXXX by XXXX XXXX, with a copy to Shellpoint Mortgage. See attachment. 

At no point was I informed that Shellpoint was taking this action, nor have I ever seen proof that this insurance policy exists. 

Mr. XXXX states that this was done in error and that Shellpoint will cancel the policy and have a refund sent to XXXX XXXX, which seems to be some company that is related to Shellpoint, as XXXX XXXX is the entity that confirmed receipt of my email in XXXX. 

Shellpoint no longer holds my mortgage and, as this is the second complaint that I have had to make with them to the CFPB, I would prefer that the funds are refunded directly to me and immediately. We are in the process of refinancing our mortgage and it will move away from XXXX within the next week or two.  My fear is that we will be chasing our money between two many entities and, in the meantime, our escrow funds will be short for our upcoming property tax payment.
Consumer complaint received 2024-10-31
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. (NC)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/20 my account was locked by American Express Serve. I use this card to receive my pay checks on, my own personal money. During this time the stimulus checks were coming out and they were receiving many phone calls with questions about the checks. My only concern was getting in contact with someone to unlock my account so I can access my money from my employer. I was hung up on every time that I tried to call, and I have been very patient. It is now XX/XX/20 and I am still not able to get in touch with anyone. I have to buy groceries for my family with the money that is in that account and I have no way to access it.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

On about XX/XX/XXXX, I got notification of a collection on my XXXX  credit report from Sequium Assets, asserting that I owed a {$170.00} bill to XXXX XXXX. I have never had a contract with XXXX XXXX, and my contract with XXXX subsidiary XXXX XXXX is fully paid. 

I have never received a paper bill or demand for {$170.00}, nor has XXXX  tried to contact me. 

I contested the collection with XXXX, and it was immediately taken off my XXXX  report. Today, XX/XX/XXXX, I got notice that XXXX  had decided that the collection was legitimate. I am trying to contest the collection so that all my credit reports will match. 

Having done some research, it looks like this debt collector is a serial problem. I'm wondering how to proceed, because their website asks you to give them more information than I'm comfortable with to register a complaint.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

The account is invalid. I.C. SYSTEM, INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


I.C. SYSTEM, INC XXXX, I.C. SYSTEM, INC XXXX
Consumer complaint received 2020-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Mortgage Acct # XXXX ( Original CFPB Complaint # XXXX ). 


My XXXX  and XXXX  credit reports are reporting that I was late on my XX/XX/XXXX and XX/XX/XXXX mortgage payments. I have provided my XX/XX/XXXX and XX/XX/XXXX XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time to my Bank of America Mortgage Acct # XXXX. I've also provided two letters from Bank of America research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. Please review the attachments filed in this complaint. 

I provided XXXX  and XXXX  with copies of my XXXX XXXX electronic proof of payment bank receipts that show my payments for XX/XX/XXXX and XX/XX/XXXX were made on time and the two Bank of America letters research request numbers XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX which address the XX/XX/XXXX payment, but " XXXX  '' and " XXXX  '' has refused to delete the missed payment information from my credit report for the months of XX/XX/XXXX and XX/XX/XXXX. 

Can you please assist me in getting the information removed from my credit report as soon as possible. 


Respectfully, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MS)

I keep getting harassing phone calls from M R S BPO llc collection agency once they have informed me of a debt which they have never verified they continue to call and harass me for this debt with no verification what so ever they are also breaking the law by harassing me and constantly calling me once you have advised have no need to call me continuously over and over day after day they have not allowed me any time to verify this debt to make this a verifiable debt this has not stopped them from calling me it is harassment once a person tells you to stop calling by law you are to cease immediately and this company has refused to stop calling me and they are breaking the fair credit reporting act credit laws its a violation that needs to be reviewed this company needs to be fined I am telling them for the last time to stop calling me they are constantly calling me breaking the law
Consumer complaint received 2019-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus ; asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent them. THey have not yet responded.
Consumer complaint received 2020-04-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collins Asset Group, LLC (OH)

XXXX XXXX XXXX has started calling again every since the stimulus checks are coming out. I have told them I will not pay for a vehicle that was totaled in XXXX and the original creditor got the insurance money. Now they brought the loan form XXXX XXXX XXXX of Indiana and XXXX and trying to collect the remaining amount. I'm on social security and not paying for it. They both the XXXX original creditor and XXXX XXXX have charge it off as a bad debit. XXXX XXXX XXXX is trying to silver line it's pockets. This started back in XXXX and then it was quiet now starting again since XX/XX/XXXX.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX  closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, I did not receive refund, I did not recieve any services that I had paid for. After two failed attempts to dispute with my bank i am frustrated. This is a completely accurate dispute and is very cut and dry and they have offered no assistance
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Our yearly homeowner insurance renewal was due on XX/XX/year>. Like many other homeowners, our mortgage provider manages our home insurance payments through an escrow account. Our mortgage provider paid the insurance company via a bulk check issued on XX/XX/year> and mailed on XX/XX/year>. These checks take 7 to 10 business days to arrive. The insurance company received payment on XX/XX/year>, one day late, and canceled the policy due to late payment. 

We received a Lapse Notice letter on XX/XX/year>, stating that our policy had lapsed and that we were without homeowner 's insurance coverage. We contacted the mortgage provider and the insurance company and they both did not offer a solution other than getting a new insurance policy with another carrier as they are no longer accepting new customers in CA. 

The payment delay by the mortgage provider made us lose our homeowner insurance that we had for the last 8 years with no option to reinstate it at the same cost. Our insurance was around $ XXXX. New quotes that we received today, XX/XX/year> by other carriers with the same coverage we had will cost us over $ XXXX ( more than double ).
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Amex sent me an email asking me to cut up my credit cards this morning. I pay an annual fee on the green card with the implied expectation that services then be provided for a full year. Unexpected termination of my account while I am trying to study for my XXXX XXXX finals at University is just plain annoying. I have no problem paying off the balance and have never missed a payment or made a late payment. 
Following reading the email I immediately opened the app and started a chat with a representative who directed me to a phone line. After being on hold for a significant amount of time the phone was answered by someone who spoke XXXX well but immediately told me he was going to connect me to another person. After more time on hold the phone was answered by a women with an extremely thick accent who was asking for my card number XXXX the one that I cut up per the email ). When I was unable to provide that she asked for my social security number. As I had received the number in the chat and been transferred I asked for an extension I could call her back at to verify her as a legitimate representative. She was unable to provide one so I terminated the call. I then proceeded to utilize the Amex chat in the app voicing my displeasure at the waste of time this whole ordeal was and asking for help. The representative refered me to use the chat on the online portal instead of the app as the office I needed to speak with was closed and " they might be more help XXXX online ]. '' I then typed up a paragraph explaining that I was unwilling to spend any more time on hold and that it was amexs responsibility to internally find the right person to talk to me and to have them call me if they wanted to have the remotest possiblity of future buisness with me. The representative gave different hours for when the office was open. As of writing I have not received a response so am concluding Amex dumped me as a customer on grounds all XXXX of the representatives I spoke with conveniently were unable to explain.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SECURITY SERVICE FEDERAL CREDIT UNION (UT)

So i have had fraud last month on my account which caused my account to go negative which resulted in overdraft fees which the bank took care of. For the most part the bank has fixed most issues with my overdraft fees on my account until this point. I spoke with a supervisor today and she refused to refund back my overdraft charges but two of them not all three and she wanted me to turn off overdraft protection which i refuse to do because i need it in place for my business. The bank continues to charge me overdraft fees for pending charges on my account even when I'm positive in my account at the time. I've read their rules and a supervisor agreed no overdraft fees will be charged on pending transactions but it continues to happen. I'm happy to pay any fees for charges that when they actually process to my account make me go negative. like right now i have three pending tractions one I personally now will fall off of my account because it for my business but if i was to add money to my account right now the pending charges all but that one would go thru and i would be charged in a day for overdraft fees on those. 

So on : XX/XX/year> was charged twice for XXXX {$10.00} one of the charges where denied for refund back even though I put in refund request thru XXXX and spoke with agent on the phone at the bank explaining it was a double charge XXXX I deposited {$770.00} making my balance {$190.00} covering overdraft and my negative balance from before which I always take care of. 

XXXX Charge for XXXX  for {$10.00} went thru making my balance {$170.00} I was charged an overdraft charge for this on XXXX for {$32.00} XXXX XXXX  charge for {$10.00} my balance then was {$160.00} I was charged an overdraft charge on XXXX for this for {$32.00} XXXX XXXX  charge for {$21.00} balance was then {$140.00} I was charged an overdraft charge on XXXX for this of {$32.00} XXXX XXXX  charge for {$210.00} balance was then $ XXXX charged overdraft fee {$32.00} on XXXX which i was happen to pay for
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of XXXX XXXX  and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. XXXX and Equifax has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (GA)

I have received 4 calls in 2 days from XXXX XXXX XXXX XXXXXXXX, debt collectors seeking to collect a debt of some guy named XXXX. I dont know anyone by that name and I have asked them to stop calling but they persist. This has happened for years with different collection agencies
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XXXX, when I went to vote, I was told I already voted in XXXX. We contacted our state representative and they would `look into it. In XXXX if XXXX, we brought my wifes vehicle after her lease. My credit score was over XXXX. In XXXX of XXXX, I see on XXXX XXXX that it says I have an outstanding bill not paid. Upon looking, we realized that it was a Capital One/Cabelas card that was supposed to be canceled due to non use by Capital One in or around XXXX of XXXX per letter sent to us. Why would my wifes card get canceled and not mine? I called Capital One to dispute the charges and they asked for my address which was not the one on the statement. They asked for my email, which again, was not the XXXX of file. We even tried my wifes since she pays the bill, again not on the file. She there preceded to tell me I had to send XXXX pieces of identification to prove who I was. My wife email my drivers license, social security card and voters registration card. 3 days later they call me to tell me that they cant confirm this is me and they cant talk to me about the bill anymore, that I would just have to pay it. 4 months pass and now I get letter from a 3rd party credit management company, who says when he called that since I have good credit now, I have to pay the bill. XXXX is not my bill. The charges are from the XXXX area, I live XXXX XXXX hours away. The address on the Capital One statement is the same address that was changed before I voted. He changed all our vehicles to that address too. In XXXX, it wasnt on my credit report anymore. They sent the bill to the address in XXXX, so I have no idea that my card was not canceled or used until it came up on XXXX XXXX.