davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (WA)

I called NewRez on XX/XX/XXXX, XXXX, and XXXX about them automatically taking funds out of my checking account without my consent or authorization. I was able to get these refunded and confirmed on XX/XX/XXXX as they were posted in my checking account. 

I have sent XXXX letters to NewRez requesting information about their account XXXX ( see attachments ). I called XX/XX/XXXX and spoke with " XXXX XXXX XXXX '' emphasizing on a recorded call that I did not have a wet signature signed contract with NewRez as well as when a contract exists only between the original parties, no XXXX party can obtain rights contained within a contract or buy or sell a contract without the express written permission of the original parties. I reiterated, show me a signed wet ink contract between the two original parties. They should be able to provide a ledger showing the XXXX XXXX XXXX Principles for this account. I told " XXXX '' I sent the second letter certified and he said he would follow up on that. As a result of this phone call I started a letter dated XX/XX/XXXX. XXXX days later I received foreclosure letter on XX/XX/XXXX on my front door. ( foreclosure letter was dated the same date as my phone call on the XXXX ). The foreclosure letter states they hold the Promissory Note and the Deed of Trust under Auditors File No XXXX. This is not true as XXXX held these as stated in previous correspondence this loan has been paid off. 
They are perpetuating a scam and hold no good faith as you can see they sent those letters the same day I called and spoke to XXXX. 
These letters I sent NewRez addressed the following : 1. I do not owe this debt. 2. I requested more information about this debt. and 3. The third letter would have addressed them to stop contacting me ( cease and desist ), but because they never addressed my requests and putting a foreclosure notice on my front door I decided to submit a claim through CFPB instead. 
I am also attaching the foreclosure notices I received on XX/XX/2024. 
Please advise next steps or the best way to proceed going forward. 
Regards, XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Ive called Experian and XXXX for 5 months now they each say the opposite XXXX says they submitted my payment history and Experian says they havent looking for a credit attorney at this time Ive tried for 5 months and called them over 20 times
Consumer complaint received 2020-10-05
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (SC)

I have asked the company to send me the original signed contract, pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. They have not provided these documents to me but, they are still reporting the account as verified as accurate.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I moved my loans to XXXX XXXX XXXX in XX/XX/XXXX when i began working for the XXXX of XXXX XXXX. After multiple rejected employment verification letters, i have vowed to start paying my loan off asap and forgo public student loan forgiveness. I currently have my payments set to direct debit on the XXXX of month. When i decided to explore the best strategy to repay my loan early, i was disappointed on how little information was available on the website to maximize my savings. After hours of phone calls and multiple emails, i was able to set up my loans so that additional payments did not get applied to future payments. Along the long road, i also found that in order to apply all of a payment towards the principle balance, the payment had to be made on the same date of my direct debit ( XXXX of the month ). All account reps i talked too did not understand what it meant by my request to make my extra payments be applied to " principle only '' In XXXX, XXXX, XXXX, and XXXX have the XXXX fall on a weekend. Due to their policy, you can not make additional payments on the weekends by phone or online. So the only option is to pay extra payment the weekday before the XXXX of the month. This practice is not advantageous to the borrower as the payment will be fully put towards the principle balance and help me suffice my obligation to the government. 

In addition to not being able to pay on the weekend, my account is listed as past due, 2 days after my direct debit was scheduled. This is causing me undue stress because even when i called yesterday, the representative could not tell me if my direct debit would be processed and i would not be considered late. I had a similar instance in XXXX where the account rep could not tell me with confidence that my direct debit had taken place. The only thing they offered me was to make an additional payment, which seemed predatory as my direct debit was processed in the days after the due date. 

Also, my direct debit is not listed as a scheduled payment on my online fed loan servicing account even though it has been taken from my bank account today. 

In summary, the process to make payments to reduce my principle balance is too complicated and not set up to to benefit the borrower. Also, if direct debit payments can be scheduled for the weekend, additional payments should be allowed on the weekends. Finally, payments take too long to process and are not reflected accurately in my online account.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i replied to " XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX XXXX XXXXXXXX '' XXXX email on XXXX and she has not replied back and i also tried calling her ever since but no answer. 
i requested to XXXX XXXX  for what is a good time/day to call her, and i asked bofa customer service about why the card has not been sent to the new address edd updated
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

Referring to complaint XXXX I used to own to an XXXX XXXX ( XXXX model ), which I sold in XX/XX/XXXX to XXXX XXXX  XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). This sale was as part of trade-in while buying a new car from this XXXX dealership XXXX I am now being told that this sold XXXX XXXX was involved in an accident on XX/XX/XXXX and I am being asked by " Lien Enforcement Inc '' that I owe a debt amounting to {$1800.00}. 
I am attaching along the proof of trade-in from the dealership - " Notice of Release of liability '' and " DMV Vehicle Transfer form ''. This clearly provides evidence that starting XX/XX/XXXX, I have nothing to do with the XXXX car in question here. The debt collection company needs to work with DMV to sort out the new owner of this car. They need to stop calling me anymore.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (KY)

Concora Credit performed a hard inquiry into my credit report ( XXXX ) pursuant to a credit card application that someone else ( not me ) submitted. XXXX, XXXX  XX/XX/year>, I have contacted the company ( Concora Credit ) and notified them that I had not applied for a credit card through their company, and that the application was a result of identity theft.
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Property Receivables, Corp (NC)

I received a mail from a collection company called Property Receivables corp. 
In the mail they indicated a rent that I owed to XXXX XXXX XXXX XXXX {$2900.00}. 
And XXXX has contracted them to collect this debt. 
Knowing that I owe such amount, I went and negotiated the amount down to {$2000.00}, which I paid instantly. 
Later, I checked my credit report, only to find out that the debt was reported as collection by XXXX XXXX XXXX. I disputed it, got this company and let them know that this debt has already been settled and it must be taken off my credit. They sent me an email link to dispute the report and also upload any document proof. This I did. 
Also, I got back to the Property Receivables corp, and let let them know about the situation, their response was that, they did not report this debt to the credit bureau, hence, they are unable to help. Meanwhile, the credit report still reflect that I owe XXXX XXXX XXXX.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington XXXX DC XXXX Dear sir, XXXX, I tried to finish reporting as much as possible as usual. A few days ago, I found out there was a filing of CFPB by another email address, XXXX. I was wondered then why there was a filing notice from CFPB to XXXX email address. Usually, my filing to CFPB was done by XXXX account ( XXXX ) due to the result of issue occurred by my business website, XXXX, which was disappeared last year most likely by hacking. Since the issue was not solved when the filing to CFPB was started, I did not want to use the yahoo account at all. I received XXXX emails from CFPB ( XXXX ) which indicated the complaint ID XXXX. Since I worked on finishing to check all reviews and documents, I tried to check this complaint ID of checking and saving filed on XX/XX/year>. I could not find this complaint ID in my CFPB account. Therefore, I request your organization to investigate this matter. Also, I received from CFPB the notice, we have received [ my ] correspondence on XX/XX/year>. I just can say since I can not find out this complaint ID, this one must be the result of impersonate, phishing, and scam. I also request your organization why this suspicious third individual/party could use my email address. Since I have issue with Turbify which relates with XXXX XXXX XXXX, this matter might relate with XXXX and XXXX. Honestly, I am tired these matters which might be the result of identity theft and data breach. I request further investigation and show me what the United States governmental bodies perform their responsibilities of the identity theft, not only just terminating the court file. 
Sincerely,
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (TN)

This company is falsely trying to collect on an account that they do not own I was told by the rep that they do not own the account so there for there are falsely reporting acting as if theyre a lawyer I have the recording as my proof of them stating that they do not own the debt that agains the law they have know rights to collect on this debt at all they have no contract with the other company National credit systems needs to stop falsely reporting to my consumer reports
Consumer complaint received 2024-06-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I asked Capital One to close my saving and 3 CD accounts and to send me the closing funds to my external checking account, which was the same account that I used to fund my Capital One accounts when opened. 

Capital One told me that the closing fund checks must be sent to my home address. 

On XX/XX/year>, I received only one check of {$4700.00}, which was for the closing fund of my saving account. Capital One told me that the other check of {$130000.00} was issued and sent out on the same day for my 3 CD closing funds and I did not receive this check. 

It took Capital One 10 days to send me an Affidavit Form via email. I must have the Affidavit of Lost Check completed before a notary public. 

After I sent back the Affidavit Form, CapitalOne told me that the check of {$130000.00} was not cashed yet, but they can not reissue the check until 2 more months. 
To close my CDs, I must wait 3 months to receive my money.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (NY)

I have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.
Consumer complaint received 2023-09-16
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-20
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: Experian Information Solutions Inc. (CA)

I have had a credit card open with XXXX  XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX  2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my XXXX XXXX go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Consumer complaint received 2024-04-20
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. (CA)

I have had a credit card open with XXXX  XXXX XXXX for XXXX years. It has been on auto pay from my checking account since day XXXX, and has been paid on time and in full every month for XXXX years. This past year they turned auto pay off without my knowledge or consent making the XXXX 2024 payment late as well as XXXX 2024. I discovered it mid XXXX and contacted them. It's made my credit score go from XXXX points to XXXX points. I have worked very hard to get my score up to XXXX points. They are refusing to contact the credit reporting companies and change their reporting to them. I have proof it has alway been on auto pay as well as all my statements. I have spent XXXX XXXX hours on the phone with them and XXXX hours in the local bank branch. The can't explain why the auto pay was turned off and said sometime the system will bump you off. They have my phone number, email address and physical home address and never contacted me about turning off auto pay or that the card was not paid and late in payment.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-28
Product: Credit 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, submitted via phone a dispute related to an issue with an XXXX transaction where I was bitten by multiple bed bugs, and the merchant, XXXX, was non responsive to my complaint. In late XX/XX/XXXX, I received a letter and merchant 's response to dispute that only showed information to support the fact that I stayed at an XXXX property, which was not the basis of my complaint. My complaint ( dispute ) rather centered on service not as described. Submitted a rebuttal on XX/XX/XXXX, that included photos of the bed bites, advised that merchant had not responded to my complaint, and argued that merchant 's response did not address my complaint of bed bugs. On XX/XX/XXXX, I received a letter from Citibank that my dispute did not quality for dispute. However, this was not relayed during the initial dispute submission and is a violation of the Fair Credit Billing Act, that allows for disputes to be submitted for quality of goods not meeting that as advertised.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: RSI Enterprises, Inc. (AZ)

this company calls before XXXX they have been told to cease and disassit and in the past to stop calling my mothers house they still call my mother 's house leaving messages on the voicemail, but still calls early in the XXXX.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX  Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$50.00} .
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.