davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NM)

XXXX sold my mortgage to NEWREZ XXXX I have had mortgages for 40 years on different properties, always insured. I live in New Mexico on a very high rise hill, New Mexico has been in a drought situation for fifty years. I received a threatening notice from NEWREZ last month demanding I produce " Flood insurance '' or else they will and charge me an exorbitant fee for this 'service '. I sent the letter with my payment to XXXX XXXX XXXX  asking them to contact NEWREZ. Apparently they did not. I received another threatening notice last week from NEWREZ saying they will set up flood insurance at a cost of {$2000.00} a year if I do not do something. They have no idea where my home is or how safe it is from flooding. No IDEA. I contacted my local XXXX XXXX office and they are going to get me a cost for flood insurance through their offices. I am shocked and a little frightened by the ability to threaten a mortgagee with this kind of ludicrous money-grubbing method. I have never filed a claim in my life. This kind of corporate threat is becoming more and more common. I do not need flood insurance. my home is at least 200 feet higher than the surrounding area, NEWREZ has no reason to demand flood insurance. I am thoroughly disgusted with the incredible behavior of corporations today.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not given consent to have my information published.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (IL)

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement trom me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.

Per code. 15 USC 1692 G
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (ME)

I have a Sears MasterCard from Citi with which I periodically earn " thankyou '' points on purchases. These points are advertised as redeemable for purchases at XXXX, XXXX, Shell XXXX, and XXXX. Sometimes the redemptions work, and sometimes they don't. This has been happening ever since Sears issued new cards last year. Their response is that they know about the problems and are working to fix them, but they don't give any time line, and the problems still exist after many months.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PR)

Regards, Since XXXX, they started charging me the foreign fee for just one transaction, when it was carried out in XXXX XXXX and the currency in XXXX  is USD. 
XX/XX/2024 fee : {$7.00} Then in XXXX they charged me the fee for XXXX transactions made in XXXX  under the USD currency, and they are even transactions from food places, in the years that I have been there they have never charged me the foreign fee for purchasing in USD currency in XXXX  ( American territory ). 
XX/XX/2024 fee : {$3.00} I am only referring to this dispute, the charges for the months of XXXX and XX/XX/2024. 

I need a trained staff with knowledge of banking and credit cards to analyze and investigate it. The staff who assisted me were very lost and gave answers without analyzing and without carefully looking at the statement, nor did they ask questions to understand the situation. I called last XX/XX/2024 and they told me a dispute number # XXXX and when I called on XX/XX/2024 there was no dispute made after having me on the call for about an hour. On XX/XX/2024, the representative who assisted me also did not understand the situation, tried to create the dispute and only gave me the postal address where I should send the dispute, since the system did not allow him to create it. 

When I request information about the transactions to tell me " in what currency I made the purchase and in what currency they charged me '' no one knows how to answer the question. I asked them to contact me with a supervisor and what they did was transfer it to another employee. 

I just want to be reimbursed for those fee charges that are not legal since there is no currency exchange. 
These charges made by Foreign are illegal, all purchases that were made were in XXXX XXXX, an American territory under which the location of the card is located. In the years that I have had the credit card, this situation has never occurred. Please investigate and refund the fees charged that do not apply when the purchases were in USD currency and are stores from which I frequently purchase. 
I had only made the dispute for the XXXX account statement but now in XXXX I have a charge for the same situation and now more stores join in which I buy frequently.
Consumer complaint received 2024-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

My student loan payments were mishandled. All the interest I paid towards my loans was taken and I was not given any credit for that money. 

Out of the $ XXXX I paid in to the $ XXXX I borrowed, only $ XXXX went towards Principal. 

Where did my money go??? I paid $ XXXX over the amount I borrowed and AES/PHEAA MISAPPLIED my money.
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just recently looked at my TransUnion credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXXXXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXXXXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2015-07-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My mortgage complaint is with Nationstar Mortgage. In XXXX of 2010 I filed bankruptcy but filed an affirmation signed to avoid bankruptcy on the property. During this time I was able to get a Modification Loan with Nationstar. Bankruptcy has been discharged, but every time I call for assistance I am directed to the Bankruptcy dept. before I can speak to anyone. 
As I was trying to refinance to the Harp Program, I am told that Nationstar has not reported me in 5 years as making any mortgage payments I in turn stated how is that. I have contacted XXXX, XXXX, XXXX XXXX in regards to this matter. I received a reply from the credit report to contact the Mortgage Co. I did and they told me because I did not file an affirmation and I did, therefore I sent a copy of the affirmation report. My next reply was that Nationstar Mortgage sent me a letter stated they will forward a letter to all XXXX Credit Bureaus to show that I have made payments have not missed a payment in the 5 years and this should bring my Credit Score up. Unfortunately, my Credit Scores have not gone up they are in a Poor Status and I have tried to do my part in this matter and nothing has changed and I need assistance. I know I had some hard times, but I am doing better and fair is fair. I would like for my payments made to be reported to the Credit Bureau. I am tired of being in the poor statues on my Credit Scores. I* would like for the Mortgage Company to please correct the reports that I have made payments and I have not missed on my mortgage.I am not sure now who is at fault the Mortgage Co. or the Credit Bureaus. I am XXXX years old and I do not want to leave this world knowing that my word of truth did n't matter. I want to see XXXX on my scores!!! Thank You for reading my Complaint.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am in trouble since 9 months with SPServicing who bought my loan from XXXX XXXX XXXXXXXX. 
The pay my home taxes {$8700.00} in XXXX when i always pay my home taxes when is du in XXXX, saying theyb receive a deliquency letter from the XXXX. 
They never send me any letter askong me if i pay my home taxes like usual. 
After fighting 4 months they finally ask the credit card to refund the amount i pay and ask my other credit card to charge me again. 
They make the mistakle and keep going to charge me {$32000.00} fees saying i was deliquent about the taxes. 
I was not..they decide to pay my taxes without any notice. 
I keep going to complain to XXXX and they keep going to ask me to pay for THEIR mistake. 
Today i receive a note from their website saying they will increase the rate from 6.5 % to 8 % on XX/XX/year>. 
Can they apply the amount they want? 
Thanks for your help this company is so bad.. 
I call 49 times, i receive about 500 pages and get 118 emails ... without any right answer. 
They start to pay me back the {$720.00} X XXXX ABOUT THE HOME TAXES ... after the XXXX send them a complain. 
Thanks again for your help i am just desperated... i am XXXX XXXX XXXX...
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nationwide Capital Services, LLC (MI)

I have received several calls from a company named XXXX XXXX, on every phone number that is attached to my name, including my work phone. The last call that occurred XX/XX/year> at approximately XXXX the caller yelled, " yeah, I'm going to call you on every phone because you're in debt! or I can just garnish you and call human Resources. '' I have asked, pursuant to the Fair Debt Collections Practices Act, for this company to provide me in writing the alleged debt ; original debtor ; original amount owed; last payment made ; last payment date ; and any charges, as well as to cease and desist from calling me only contact me via mail. 

The number that I was called from is XXXX.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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. (TX)

I have used XXXX as my credit monitoring service for several years and in XX/XX/2022 I notice that XXXX, XXXX, and Equifax had stop reporting my credit score through the XXXX Credit application even when I was paying the premium charge to XXXX every month. So, since they couldn't seem to fix the problem I down grade to the free XXXX app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the XXXX app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from XXXX or Equifax. I reached out to XXXX and Equifax and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from XXXX  Escalation service stating that they believe that my information does not add up to what XXXX or Equifax may have. I have on several occasion reported that Equifax put the correct address and XXXX as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TX)

I have a collection account listed on my XXXX credit report listed as Credence Rm Account # XXXX for the amount of {$2200.00}. 

An a collection account in my XXXX credit report listed as Credence Resource Mana Account # XXXX for the amount of {$2200.00}. 

I am requesting validation of this debt from this collection company.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CO)

I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a Comenity/XXXX XXXX XXXX credit card that was opened under my name on XXXX XXXX XXXX. However, I never opened this account. 

I contacted the Comenity Fraud department, and they told me that there was indeed an account opened under my name. 

Comenity told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (TX)

On the XXXX of XXXX I submitted paper to purchase a XXXX XXXX from Carvana. After receiving a better option on the same day. For a different vehicle, I submitted cancelling request to the Carvana.

Only to find out that Carvana processed my downpayment thur my saving account on Monday XXXX XXXX for {$2100.00} Now the company says they have not received my monies. My bank has confirmed that the money was went ACH to the Carvana Limited LLC. I see the XXXX  has given the company an F rating. Therefore, I am requesting your help to recovery my monies from this unethical company. 

Contact information for my XXXX XXXX XXXXXXXX XXXX XXXX for Caravana Limit LLC Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Visit Website Email this Business ( XXXX ) XXXX I have open a dispute with my bank as well. However, the process can take a very long time and I need help to recovery these right away. Please I need help to collect my money back from this car company. 

The company has agreed to send me a refund. However, they claim that they don't have my monies. But my bank records clearly shows that took the money from my saving account * ( legally ). 


XXXX XXXX XXXX.
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections (ND)

Recieved a letter around XX/XX/2024, stating that I owe a debt for XXXX and gave me a total of {$920.00}. I emailed them on XX/XX/XXXX acknowledging that I received the letter and asked when the debt was from. I asked them to provide more information as I did not believe that the debt was correct. I never received a response. On XX/XX/2024, I received another letter saying that the payment was due and that I now owe {$930.00} with none of the information that I had requested in order to verify that I owe this debt. I emailed them a second time the same day stating that I never received verification and asked for it again.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

CAPITOL ONE has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

ACCOUNT IN QUESTION : CAPITOL ONEXXXX XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status.

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.