davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

NewRez, LLC/Shellpoint Mortgage Services ; our mortgage servicing company, made a billing error on our mortgage account that has adversely affected our credit rating. Despite efforts to resolve this issue, NewRez/Shellpoint has not responded to a written request dated XX/XX/XXXX, to correct their billing error of {$180.00} and reported us delinquent to credit bureaus. 

My wife and I refinanced our VA loan with XXXX XXXX XXXX in XXXX of XXXX. The monthly loan payment was {$4500.00}, which included principle, interest, and escrow ( taxes and insurance ). 

In a letter dated XX/XX/XXXX, we were notified that NewRez LLC was going to service our mortgage account. As directed in that letter, effective XX/XX/XXXX, we made our loan payments to NewRez/Shellpoint in the amount of {$4500.00} via our banks bill pay service. 

We received a hard copy billing statement each month indicating {$4500.00} was the total amount due. For an unknown reason, the NewRez/Shellpoint XX/XX/XXXX, billing statement indicated the total amount due was {$4300.00}, not {$4500.00}, {$180.00} less than normal. A payment of {$4400.00} was sent on XX/XX/XXXX. Note, by rounding the amount up, we had unwittingly narrowed the NewRez/Shellpoint initiated/created deficit amount to {$160.00}. 

Upon returning from being out of town the last week of XXXX and the first week of XXXX, we finally learned of the XX/XX/XXXX, notification from NewRez/Shellpoint indicating thaXXXX our mortgage payment for XX/XX/XXXX was over 17 days past due. We were very concerned as we knew we had not only made the XXXX payment, but the XXXX scheduled payment amount of {$4500.00} as well. We called NewRez/Shellpoint on XX/XX/XXXX to discuss the late fee of {$140.00} and delinquent balance of {$160.00}. The agent waived the late fee charge and we immediately paid the balance via our banking institution as is reflected in the attachments. 

We thought the matter resolved, but we also received a legally required notice on XX/XX/XXXX, dated XX/XX/XXXX, indicating that we had recently missed our mortgage payment. We were given a point of contact to call, XXXX XXXX at XXXX, ext. XXXX. After several attempts to contact this induvial on XX/XX/XXXX and XXXX without success, we drafted and mailed an Error Resolution Notice under 12 C.F. R to NewRez/Shellpoint to address this situation. We have received no further contact from NewRez/Shellpoint other than the monthly billing statements. We have reviewed our credits reports and note adverse reporting that the XX/XX/XXXX billing was 30 days in arears. 

Attachments include copy of letter to NewRez/Shellpoint and mailing information with receipt confirmation.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Recovery Systems, L.P. (TX)

On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.
Consumer complaint received 2022-02-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries that are listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against Equifax, XXXX, and XXXX regarding an issue with my credit report. Upon reviewing my credit report through my report provider, XXXX I discovered that there is no data, scores, or other important information present in my report. 

This missing information is concerning, as it affects my ability to monitor my credit status and ensure the accuracy of my credit history. I rely on this information to manage my financial well-being, and the absence of such critical data hinders my ability to make informed decisions. 

I am requesting that Equifax, XXXX, and XXXX promptly investigate this matter and take the necessary steps to resolve this issue. I would like my complete credit report, including all relevant data and credit scores, to be accurately reflected and accessible through XXXX
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing this situation for 2 years now. Transunion has kept a tax lien on my credit report from XXXX, XXXX, that has been paid. The other XXXX credit reporting agencies have removed the damaging information from my credit report. When I filed a recent dispute on XXXX/XXXX/XXXX, Transunion retaliated by dropping my credit score XXXX points, from XXXX to XXXX, without an explanation. I monitor my credit report so I know EVERYTHING that happens and why. They did not list a reason, so I can only conclude that it was in retaliation for the dispute. Low credit scores = high interest rates for their business buddies. I want my credit score restored or provide a WRITTEN reason as to why my score was decreased. Also, it seems that as soon as XXXX score gets above XXXX the other XXXX agencies drop theirs on purpose creating this chronic yo-yo effect for consumers, especially XXXX. Its economic genocide.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I would like to report fraud on my credit report from XXXX, and Convergent Outsourcing, their credit collections agency. I have received notice from XXXX that Convergent Outsourcing has listed a bill in collections of {$910.00} as the original bill on my credit report. However, upon doing research I found this bill is fraudantly listed on my credit report, from XXXX. 

Upon moving from my apartment at XXXX XXXX XXXX # XXXX, XXXX, IL I returned the equipment, however they have fraudantly reported the equipment as missing and charged me over {$500.00} equipment fee. I have paid {$100.00} on this account already for the past cable and internet bill. I have made several attempts to call XXXX and Convergent Outsourcing, however they refuse to accurately list the bill. I would like to request an investiagation and report both companies for fraud.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MN)

I've been struggling with my target red card for years now, XXXX I took a loan to pay them off finally 270 and they are now saying that the 15 dollar amount that I closed my checking because of the amount of trouble they have caused me and that account. Prompting me to pay the balance. So because I paid it. They are trying to get over the paid and owed balance. They are saying that I owe them 44 for a canceled check. They were not able to get a dime more than the 270 I've owed for years. Not only did they have the account closed 2 years ago and mess up my credit history and numbers 70 points at least all together. They have reported 2 late payments to the bureaus and XXXX after I paid the bill to 0 I got hit from each credit bureau saying that they were in agreement with the balance paid off and 0 liability that we had any more business to do not only this after I paid it off I called Target and confirmed this with them they said no no yep you're good you have a zero balance and now they're coming up with this I want to sue them so bad please look into this
Consumer complaint received 2022-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from XXXX stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.
Consumer complaint received 2016-09-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

We had a leak in our kitchen and after 7 months of dealing with the insurance company and being hospitalized due to the stress from dealing with the situation we were able to make a settlement with the insurance company. We received s check for XXXX from the insurance, which we signed the check over to Carrington Mortgage, they then without a problem sent the check back to us. We then received a check for XXXX and another XXXX for XXXX. At that point they decided to make up a policy, which they never had prior to this situation, to hold on to the checks and said that if we were to receive the additional checks, we would have to send them estimates, proof of work being done and that their inspector would have to determine whether a certain percentage of the money could be released. Well we sent all the necessary documents to their " loss and draft department ''. Unfortunately every time that we try and contact them they can neither find the paper work, they put me on hold for 30 minutes to an hour, no one seems to know anything, or they find any and all excuses to not release the checks. The work is being done all we need is the money to finish the kitchen and pay the contractors. They are not entitled to these checks. We have already spent XXXX paying for the cabinets, we also paid for a new dishwasher, a new sink, several things that were necessary that the insurance company did not want to pay,
Consumer complaint received 2015-11-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have a mortgage with Webster Bank on a condo worth {$100000.00}. The balance after 12 years is {$47000.00} and the mortgage started at about {$59000.00}. My car broke down from shoddy repairs at a dealer and I applied for a Home Equity Line of Credit for {$5000.00} to {$10000.00} and the rejection letter I got today says I applied for a loan fro {$32000.00}. They are a predatory lender when trying to refinance or apply for refinance or anything regarding an existing mortgage. I asked for a copy of my application I made over the phone with my local branch XXXX and have n't gotten it yet. I was referred to XXXX Credit Counseling XXXX XXXX whom I have been to when I got the mortgage on my house XXXX. I have had nothing but trouble with identity theft since. Webster Bank put all these identity theft flags on all my accounts and did not take that into consideration when I applied for my loan. I applied over the phone XXXX XXXX XXXX XXXX, XXXX, CT
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Radius Global Solutions LLC (OR)

My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.