davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NCB Management Services Inc. (IL)

NCB Management Services , Inc., with ( account number : XXXX ), recently notified me through a letter about a security breach at their organization ( NCB ), which has compromised some of my personal information. According to ( NCB ), their national accounts receivable management company offers account services to various companies. They claim that I am receiving this notification because they identified my records as among those accessed without proper authorization. It's crucial to note that I never granted authorization for this company to possess any of my personal information. The involvement of this third-party debt collection agency in such an incident is unacceptable.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2023, I applied for the American Express Gold card. I was denied credit and told that because of my credit score and rating that I would not be receiving any access to my credit. I have a right to credit and to be denied access to my securities and open-ended credit structure can be considered securities and trust fraud.

I feel this company is in clear violation of The Equal Credit Opportunity act. and united states Codes 15-USC-1691c 15-USC-1692k 15-USC-1681 15-USC-1611 and can also be classified as discrimination according to 12-CFR-1002 Because my Social Credit card was used in a Consumer credit transaction and I received no benefit, this is fraudulent and a direct attack on my rights in commerce.

Credit worthiness is not clearly defined, and I feel this is violation of 12-CFR-1002.7
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

Newrez and Shellpoint acquired XXXX home loan in XX/XX/XXXX and began to service my mortgage. Unfortunately they are using the same illegal practices as XXXX. False claims of late fees, escrow deficits, unapplied funds and non payment. I have requested a detailed transaction analysis of the life of the loan and they have refused to provide this. The Newrez/Shellpoint website does not facilitate mortgage payment unless false claims of late fees and 'unapplied funds ' are paid. These servicers make it almost impossible to make a payment over the phone. I did so In XXXX and recorded the call to prove the payment was made. I later received emails claiming no payment was made.I also attempted to use bill pay and requested the servicers account number which they refused to provide. Today I received a registered mail letter from Shellpoint threatening foreclosue and reporting me to a credit agency to harm my credit score. My loan is current, there is no escrow deficit and payments are on time. The XXXX mortgage payment was made XXXX XXXX. The XXXX payment was made to Shellpoint over the phone to a representative after not being able to pay via their website. The XXXX payment was made on XX/XX/XXXX to Newrez via Bill Pay from XXXX  XXXX XXXX and the XXXX payment was made XX/XX/XXXX via Bill pay tfrom XXXX XXXX XXXX to Newrez. Newrez and Shellpoint are sister companies and both are complicit.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NV)

I have been paying {$1000.00} extra per month to lower my principal and they are taking interest on that money which does not lower my principal. I have called and they fix that month but next month the same thing happens for 3 months now. They keep lying and tell me next month will be right but it happens again and again. They are taking {$700.00} per month in fees that should be lowering the principal. My agent that helped me finance my house has also called with the same results. They are not letting me pay my house off early and save on the interest, they are letting me pay of my house early and not save a dime.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- ALLY FINANCIAL is breaking the consumer law pertaining to : ALLY FINANCIAL ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX CARD HOLDER!
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I have submitted an FTC report to get items removed. They keep verifying it, and not deleting it. I have tried getting resolution with these creditors via certified mail, but keep getting ignored. You are committing identity theft and fraud! Delete these items.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX account number XXXX
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

This is regarding my previous complaint : XXXX. This complaint was closed, without it being resolved. XXXX, who works at Synchrony, and replied to the previous complaint, gave her phone number in regards to seeking information about the charges at Synchrony Bank, will not answer the phone, and won't call back on the numerous voicemails I have left her. The fees in question originally with the original complaint that were on my account, are still there. They have now added to my interest-free payments, a XXXX  amount of over {$100.00} - I have not made any purchases, and I have not used the credit card at all, besides what was already on there for my interest-free payment. This company is still trying to scam me out of anything that they can, and can't explain any of the charges properly- and are now trying to scam me again. My balance went up, but there isn't an explanation in my account activity. XXXX erased the balance I was seeing to make it look like she resolved it but then went up on my overall balance to hope I wouldn't notice.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

CFPB Case Number XXXX, one of the numerous complaints that I 've made about erroneous errors on my credit report since this past summer. My initial complaint was about XXXX and the uncooperative nature in trying to fix the errors they made. However, even after the compliance of the CFPB requests by XXXX, Equifax will not correct the errors. I 've asked that Equifax delete all of the late payment history for the mortgage held at XXXX XXXX XXXX. The current payment information listed was NOT part of my credit report prior to XX/XX/XXXX and is false. The XXXX debt was paid in full in XX/XX/XXXX. It was only when I purchased a new home in XX/XX/XXXX did I discovered that XXXX made an error in the comments section of which insinuated that I sold the property via a short sale which was a false statement. The other reporting agencies thus far have made the corrections by removing the false statement and keeping the correct payment history which reflects a current payment history. Only Equifax at the moment is not correcting the error. Attached I have included various letters from XXXX and a few pages from the Equifax Credit report plus their case reply. The letters ask that I wait 90 pus days for the corrections to occurs, but now frustratingly, both XXXX and Equifax are asking me to contact each of the XXXX firms to ask that the other party fix the error ... .hence my new request to CFPB. I 've been pretty persistent in trying to get a reply out of Equifax but they keep sending to a call center in the XXXX or some place in which they have different standards, codes of conduct and show little regard to the issue at hand, for they only want to sell me anther product. I did fall their last pitch because I was forced into purchasing a new credit because as you can appreciate, I have more than exceeded my free reports in my quest to correct the data.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (IL)

I received a letter dated XXXX from Hillcrest, Davidson and Associates. 
This letter demanded XXXX from me stating that I owed XXXX XXXX XXXX for the remainder of a contract. This is patently false. 

1. I have NEVER contracted with XXXX home security 2. The owner of the contract was listed as XXXX XXXX XXXX XXXX where I served as the pastor. I left that job in 2000. 
3. I have lived in XXXX IL for almost 19 years 4. I called the company on XXXX The associate was threatening. He told me that if I didn't pay it, " go ahead and enjoy your life with your credit score destroyed! ' 5. After being threatened by this unruly person, I called XXXX home security where I spoke with XXXX in billing. After much consultation he assures me that there is no outstanding money that I owe. He could not even find an account with my personal info. He even suggested that this may be a scammer trying to extort money from me. 
5. I call Hillcrest again only to be demeaned and the the man hung up This is wrong, unethical and perhaps illegal These companies need to know that they are not the financial mafia
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KY)

NelNet : Multiple times I have been put in an administrative forbearance for XXXX  my student loans, only XXXX  of my loans have been switched to the SAVE plan, but the most expensive loans are on graduated repayment. I just want them to fix this as I have heard nothing from them and do not feel like being on hold for XXXX XXXX  like I was XXXX  time. It's been XXXX  dealing with this and they still haven't fixed it. Someone please help me so I can actually start paying my loans on a plan that is completely within my rights.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION (AL)

After stating in their previous response ( XXXX ) they were not trying to take my home, I just received a statement for {$71000.00} due in a little over 30 days. 

This complaint is concerning M & T Bank aka XXXX XXXX XXXX requiring a mortgage payment of {$71000.00} in just a little of 30 days, XX/XX/XXXX. 

I built my home in XXXX on XXXX lots in XXXX Al. The XXXX failed to merge all XXXX and only merged XXXX. Once I turned XXXX XXXX XXXX I was no longer required to pay property tax. Because these lots were not properly merged, XXXX XXXX via his attorney XXXX XXXX paid the property taxes, then demanded that I leave my home and claimed he owned it. 

I went to court to dispute this claim. During the course of this case ( XXXX in the Circuit Court XXXX XXXX XXXX , Alabama ) I met XXXX XXXX who represented M & T aka XXXX XXXX since they had an active mortgage on the home and would take a loss as well if this gentleman were to take the home. I was advised that it would be in the best interest of the bank and me, if he combined the case and represented us both. I agree. He said not to worry about any fees. Now, I am receiving notice from M & T that I owe a corporate advance in the amount of {$71000.00} for the attorney fees. My principal balance is {$15000.00} and my monthly payments are {$550.00}. Now, I am fearful of losing my home because I can't make a payment of XXXX XXXXXXXX. I previously filed a complaint with the CFPB when they increased my monthly mortgage to over {$1700.00} per month. I explained I am on a fixed income and did not agree to any of these charges. They reduced the payments back to {$550.00} for a few months and now sending this statement. I have attached the statement below for your review as well as the CFPB response provided by M & T to this issue. Please Help! 
I previously received a letter from XXXX XXXX who also mentioned he may or may not respond. This is clearly abuse. How can I make a XXXX XXXXXXXX payment for charges I never agreed to. Additionally, the attorney advised that M & T dropped the ball in the original loan documents that would prevent something like this from happening. Because of this case, they amended their mortgage loan language to prevent someone from attempting to acquire a property they have a mortgage on via taxes. Now, they are trying to force me to pay for their mistake. I am trying to seek an attorney or legal help but as stated before I am on a fixed income and XXXX XXXX XXXX. This is incredible stressful. I hope someone at the CFPB will actually read this and help.
Consumer complaint received 2024-04-06
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. (NY)

I am writing to formally lodge a complaint against " CITICARDS XXXX '', " TransUnion '', " XXXX '' & " XXXX '' regarding their failure to address and rectify inaccuracies with the required XXXX timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I submitted a dispute with " TransUnion '', " XXXX '' & " XXXX '' regarding " XXXX XXXX '' reporting numerous inaccuracies on my credit report. Specifically, I detailed the discrepancies that XXXX XXXX has been reporting to the XXXX major credit bureaus. These include inconsistent last activity dates, irregular payment histories, and the omission of timely payments on XX/XX/XXXX, to XXXX while failing to provide corresponding records to XXXX and TransUnion. 

Furthermore, XXXX XXXX has erroneously marked my account for late payments. I hereby demand documented proof of any late payments attributed to my account. Should CITICARDS XXXX fail to provide such evidence, I insist that ny account be updated to reflect " paid as agreed '' Despite the aforementioned discrepancies and violations, TransUnion, XXXX, XXXX & XXXX XXXX, has failed to respond within the mandated XXXX period, as outlined by the FCRA. This failure is unacceptable and warrants immediate action from the Consumer Financial Protection Bureau ( CFPB ). 

I hereby request that this matter be escalated, and a thorough investigation be conducted into TransUnion, XXXX, XXXX & XXXX XXXX 'S reporting practices. I demand that CITICARDS XXXX provide documented proof for any alleged late payments and promptly remove this erroneous account from my credit report. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please do not hesitate to contact me if further information is require. 

I also demand that this resolution gets handled on CFPB.GOV and not outside of it for documented proof.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (MA)

I opened up a BMO checking account on XX/XX/XXXX. I was interested in the {$600.00} checking account bonus they were offering. 

A few days later I received a notice that my initial funding was not able to be processed. I called BMO and they were not able to give me any information about this. A few weeks after that, I called BMO again and they told me they had closed the account. They were not able to provide a reason and they said I would receive a letter explaining the decision in 7-10 days. I never received this letter. 

I called them again today ( XX/XX/XXXX ), and they were able to tell me that the account was closed due to " high risk, '' but they were not able to explain what this means. 

I find it very unprofessional that I was never notified of the account closure until I called them myself to ask about it. It also seems very strange that the fraud department would close my account without talking to me. If fraud was a concern, they could have called me and verified my information. I believe they closed my account so I could not earn the {$600.00} bonus.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc. sent communication via mail stating they are debt collectors and are attempting to collect a debt. XXXX dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from XXXX XXXX in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that XXXX XXXX allowed them to make an offer to regain card membership and reinstate the account. I then sent Transworld communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from Transworld Systems Inc, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from Transworld in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with Transworld Systems Inc. 
As stated in the communication sent to Transworld, I believe they may be an innocent purchaser of the alleged debt. As XXXX XXXX may not be in compliance with their prospectus. An audit of both accounts, XXXX XXXX and Transworld is being requested for tax purposes.
Consumer complaint received 2018-12-19
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. (NJ)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT