davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

In XXXX of XXXX I contracted XXXX XXXX. I am XXXX years old and have a chronic illness so it affected me pretty seriously. At that time, my loan servicer was XXXX and I requested and was approved for a XXXX XXXX XXXX in XX/XX/XXXX. The forbearance was only for XXXX and XX/XX/XXXX. In XXXX I was working with XXXX to repay the XXXX XXXX months through a payment plan. I submitted all requested documentation and was told they were in the " decision '' process. The only communication I received from XXXX after that was to inform me that as of XX/XX/XXXX they were transferring my mortgage servicing to Shellpoint. I was also assured that Shellpoint would be sent all my XXXX paperwork. 
I made my first payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a call from a Shellpoint representative telling me I was XXXX  months behind on my mortgage and asking how I wanted to fix this. I informed her of the forbearance and she then offered me a XXXX month repayment plan contingent on my making another mortgage payment before XX/XX/XXXX I agreed to this resolution. On XX/XX/XXXX I received another call from another Shellpoint representative asking me the same questions as the previous rep had. I gave him the same info and told him I had already accepted a XXXX month repayment plan offer with Shellpoint at that time he said " Oh yes I see that now. I see what she did. Ok just make sure you make that payment before XX/XX/XXXX. '' I agreed to do so. On XX/XX/XXXX I made the second payment I did not receive a further email, phone call or text message from Shellpoint. XX/XX/XXXX I received a packet by certified mail from Shellpoint telling me I was now in default and had until XX/XX/XXXX to cure it. I called them immediately and spoke to yet another representative who now informed me that my payment plan was not approved because they " don't offer XXXX month payment plans '' I asked her how on earth I would know that if the rep offering it to me obviously didn't know it and that no one had ever contacted me to tell me it had not been approved or to offer me anything else. She apologized and then offered me a XXXX  month payment plan I agreed... again. I was told that it typically takes XXXX days for approval. That was on XX/XX/XXXX it is now XX/XX/XXXX and my mortgage is still showing in default. 
My understanding of the XXXX XXXX XXXX protection plan was that I could not be forced to pay the whole thing back at once and that the servicer was required to offer options for repayment. I haven't been offered any options that were actually " approved '' and they defaulted me. XXXX and XX/XX/XXXX were XXXX  months therefore I believe that I paid XXXX and XXXX and I should not be receiving certified mail threatening me with XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( cell ) XXXX.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with Transunion, XXXX, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.
Consumer complaint received 2018-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (TX)

I am writing to express my deep disappointment and frustration regarding the repeated attempts to correct the issue of late opening. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the late opening problem, I regret to inform you that the issue persisted. This recurring problem not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to address the root causes of the late opening problem and implement robust measures to prevent its recurrence in future rounds. It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$75.00}.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card I dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (LA)

Gentleman, Wells Fargo filed a Wrongful Foreclosure action against me on XX/XX/XXXX. I am attaching the Pooling and Servicing Agreement where it makes it abundantly clear on page XXXX of the prospectus that the Trustee ( Wells Fargo ) " MAY NOT '' be able to enforce the mortgage note against the related borrower. 

I am also attaching the Appellate Court Ruling finding Wells Fargo failed in establishing that it is a proper party to enforce the promissory note at issue. 

Wells Fargo had no legal right or authority to pursue this wrongful foreclosure action against me and I am asking the CFPB hold Wells Fargo responsible for filing this wrongful foreclosure action against me as evidenced in the attached pooling and servicing agreement in which it must adhere to. 

I am asking the CFPB hold Wells Fargo responsible for this wrongful foreclosure action and to include me in the XX/XX/XXXX consent judgement for wrongfully pursuing a foreclosure action against me since XX/XX/XXXX. The Pooling and Servicing Agreement is evidenciary evidence substantiating that Wells Fargo is unquestionably responsible for pursuing this wrongful foreclosure action against me. 

I appreciate your assistance in this matter. 

Respectively, XXXX XXXX
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (KY)

On XX/XX/year> I attempted to cash a check using the XXXX  application which uses Ingo Money , Inc . Check cashing services. Front and back images of the check were provided and I submitted it waiting for approval. The Check was denied. 

I attempted to represent the check a 2nd time, I was presented with a transaction declined do not represent error no. XXXX. I have had issues in the past with Ingo Money wrongfully closing my account due to violation of terms of service and I have had the CFPB involved before to resolve the issue. 

I presented a perfectly good check from XXXX XXXX company as was sent to me as part of a reimbursement for prescriptions per my insurance policy. This check was perfectly good and honorable, and I at no time intentionally attempted to violate the terms and conditions of Ingo Money Inc. Check Cashing services.
Consumer complaint received 2023-05-19
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. (FL)

Equifax, and only Equifax, shows a XXXX account that does not belong to me. I contacted XXXX  and they verified that I do not have an account with them and recommended I file a dispute with Equifax. I filed the dispute, but Equifax says that XXXX verified that the account belongs to me. I also received a letter from XXXX stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called XXXX again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with XXXX The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a XXXX card because I don't have a XXXX account. For some unknown reason XXXX simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.
Consumer complaint received 2023-02-24
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc. (MD)

Reference # XXXX Re : XXXX XXXX XXXX XXXX XXXX. 
Total amount of debt : {$50.00} Please inform the above firm ( XXXX XXXX XXXX ) that the above amount has been paid on the same day the service was provided, which was on XX/XX/2023. 

RECEIPT # XXXX The total amount paid for was charged {$59.00} Check # XXXX ***provided by XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, Equifax, XXXX I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly.

The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/2022 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  1. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources.

Provide me with evidence supporting the validity of the reported data.

2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within XXXX days of receiving this dispute letter.

Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution.

Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Consumer complaint received 2024-03-28
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. (MO)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my XXXX XXXX which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the XXXX Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX XXXX XXXX sold my mortgage to Nationstar, aka Mr. Cooper in XXXX of XX/XX/XXXX. I was in the process of a Loan Modification with XXXX when sold to Nationstar, I continued the process of the Loan Modifacation. I provided Nationstar with all necessary documents and was give an address from a representative to an office that had been closed and moved after me calling back 2 weeks after not hearing from Nationstar to be told that. Once again I sent paperwork in only for this time the paperwork apparently went to a different building and was not " delivered '' to the underwriting department. 3rd time sending paperwork in, Nationstar received it. Upon checking on status, via- online, phone, no one could give me a status update. A few weeks later, I received a letter in mail stating that " bowworrer denied loan Modifacation " NOT TRUE. Nationstar was Not willing to work with me on anything and was very unprofessional. I was talked to like a dog as well. Upon reading News Paper In classifieds, I seen that they were foreclosing on my home, without notice, I might add. I immediately contacted my lawyer and he went and stopped foreclosure at courthouse steps. On XX/XX/XXXX My lawyer and i filed a complaint in XXXX Court for violations of the home affordable modification program and breach of contract. XX/XX/XXXX, Nationstar removed the litigation to the United States count for the Eastern District. I have Case number when needed. Section. 12 of my court documents State Each party agrees to pay its own attorneys fees and cost. In Agreed order of dismissal as stated follows- It is hereby ordered Md adjudged that the plaintiffs complaint is hereby DISSMISSED with PREJUDICE, with each party to bear it's own cost and fees, however as of mortgage statement it is showing that I owe lender paid expenses as follows- 1. Property Inspection Fees {$420.00} 2.Legal Fees {$1100.00} Totaling {$1500.00}, In which I am not supposed to be paying, court ordered. Next, during the litigation process, I received letter staying that I could not make payments at this time. I sent payments in by check, just to be returned back to me. 
Upon Nationstar not accepting payments from my lawyer and I, Nationstar was reporting to all XXXX major credit bruearus that I was late. I have been trying to work with Nationstar and other Credit repair services for them to correct there wrong doings. I need Nationstarto remove delinquent status to all three credit bruearus. I have documented everything. This is just a taste of what I have been through. Help would be greatly appreciated. Thank you.
Consumer complaint received 2024-03-28
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. (MO)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXXXXXX
Consumer complaint received 2024-03-28
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>