davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (MO)

I closed on the sale of my home on XX/XX/20. The Money Source, our mortgage servicer, claimed to our title company, XXXX XXXX XXXX that they never received the payoff amount despite having the fed reference number of XXXX proving that they did have the entire payoff amount. The Money Source then reported my account as being 30 days past due in XXXX, and it dinged by credit by XXXX points according to XXXX. The Money Source still does not show as having processed the payoff, and every time I call, and I told a supervisor will call me back within 24 hours, and no one ever does. I have to spend 45 minutes waiting and explaining this to someone different every single time that I call, which is over 10 times now since the sale closed in XXXX, only to be transferred to a manager 's voicemail and never heard from again. The Money Source says I owe them the entire principal balance of a house that I sold, paid off the loan for via the title company, and haven't lived in in over a month and there has been literally no consequence for them messing this up other than my credit tanking.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my credit score - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX
Consumer complaint received 2023-07-11
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I was checking my credit report on   XXXX   credit agencies   XXXX     XXXX  and  XXXX  when I was alerted that a collection agency named Fox collection center of   XXXX   XXXX   XXXX     XXXX   TN   XXXX   XXXX   placed on my credit file that I owed a balance of $  XXXX .I would like a bill presented to me for this balance I do not owe this money I would like to know how when and to whom I owed this money it had been reported to the credit agencies  XXXX  2017.I also would like this balance to be removed from my credit report.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (KS)

My experiences with Shellpoint ( recently rebranded from XXXX XXXX ) are a contiuing source of fruatration meant with deaf ears from the company. 

I pay my mortage ahead of time, usually anywhere from XXXX to XXXX week. In addition I often frequently make an addiitonal payment to be applied to the principal. 

This company 's system shows that the payment is being made for the appropriate month ( say I'm making a payment XX/XX/XXXX for the payment due XX/XX/XXXX ). However it does not actually apply them this way... instead it ends up in some limbo account and I have to send e-mails asking them to correct the error. 

They promise a response within XXXX business days but it reality it's sometimes XXXX or XXXX. In the most recent case it's been over a week and I still don't have an e-mail reply. I've called twice and both times the rep said it would be fixed but it still hasn't happened I make my payments ahead of time... never missed a payment. I feel liek this company is genuinely try to delay payments showing properly so they can generate extra fees
Consumer complaint received 2023-05-19
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. (NY)

Despite of my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$29000.00}.
Consumer complaint received 2022-12-31
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I bought a car 2 years a go from a dealer XXXX pa I been having problems from the very 1st day this was my wife anniversary I drop XXXX dollars of my hard earn money so far I have put XXXX dollars in repairs in this car and now its in the shop again this is to much I want to give the car back, but it will hurt my credit I am trieding to rebuild I have call wrote credit acceptance many of times but know one will answer me back are any thing with me ai even ask for a deferred payment they told to me they do not do that I have lots of late payments on my credit report I think they should remove and work with me but they will not they will not even help me out I do not know what to do I have no transportation now and cant get another car because I still own on this one this car have a XXXX on the dash the loan is from credit acceptance.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

This is about XXXX credit card company. 
my credit limit is XXXX To pay my rent I paid my original bill and make it XXXX again and pay twice XXXX dollar which is XXXX. 

And I got email that this company still didn't receive my payment even after 4 days and credit availability never updated. So I toggle on their protection function which they recommend me to do. And i tried to contact them 10 times through phone, message, chatbot, callback. None of them no what is going on and told me to wait for transfer and hang off. OMG.
Consumer complaint received 2023-08-18
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. (FL)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.
Consumer complaint received 2017-07-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.
Consumer complaint received 2023-01-02
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} CPS/MAIL XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (FL)

XXXX   XXXX   XXXX    called me three t imes at my workplace on  XXXX   XXXX ,  2017 afte r being told during the first phone call that I 'm unallowed to take calls at work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.
Consumer complaint received 2023-01-02
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AV XXXX PA, MN XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NE)

Complaint number :  XXXX  This has not been resolved, we have made numerous calls to  Hyundai Financial an d we still do not have our title, even the   XXXX   XXXX   called them on  XXXX   XXXX  and we still ca n't get it.     First they said they sent the title on  XXXX   XXXX , then the  XXXX  on the next call.     Then they said they had sent us a title release letter on  XXXX   XXXX  we finally did get one dated  XXXX   XXXX  and it 's absolutely worthless it has to be electronically transmitted to the  XXXX .     The last call a couple of days ago they claimed they sent it electronically to the   XXXX   XXXX   XXXX  on  XXXX   XXXX  we live in Nebraska and have done for 25 years.     We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent!     Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX /  XXXX   Date sent to company :  XXXX / XXXX /  XXXX   Product : Consumer Loan Issue : Managing the loan or lease
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

first i want to say the compliant that i filed in XXXX i never received the responed about it and i am just seeing fays respond to my complaint. it dose not surprise me. there is little to know communication. and when i call them i am told something different everytime i call with any question. it is so stressfull dealing with them. my payment has been going up every year. i have only been with them since XX/XX/XXXX. from day one i have been short in my escrow acct. i know they pay in advance. now in XXXX i read that they payed for 2 home insurance my old one ( XXXX XXXX XXXX XXXX XXXX, why i dont know. they did not tell me i read it on one of the escrow analysis. so that made me short. so i guess i have to pay for there mistake. my payment that year was XXXX and the escrow was XXXX. XXXX escrow and XXXX was for the shortage total XXXX the shortage was on a 2 year payment plan. the next year my payment went up to XXXX XXXX was escrow. sometime in XXXX my payment went up to XXXX XXXX was the escrow and XXXX was escrow and the rest dose not show were it went looking at ( my statement ). some of my payment in XXXX went up to XXXX my payment was all over the place in XXXX and i am still short in my escrow acct. and not a little bit it was XXXX short still XX/XX/XXXX. now XXXX my escrow acct XX/XX/XXXX had XXXX in it and in XXXX and in XXXX there was XXXX and my home owner insurance was not renewed because XXXX cancel my insurance. and i still cant get insurance due to the age of my home. they want me to do some work before a company will insurance me. fay said that they would put hazard insurance on my home but i did not think my payment would go up tp XXXX. XXXX is for the escrow. me and my husband is living on social security and XXXX now and we dont have the money to get the work done on our home. yet. the way the fay has our payment now the escrow will have over XXXX in it for the shortage and the hazard insurance my land taxs is not over XXXX a year. the stress is a lot and our health is not the best. i have most of my monthly statements and i hope some one can help me.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NY)

Around the end of XXXX a collection debt of {$1300.00} was sent to my report by XXXX XXXX XXXX. I have credit monitoring and locks on all three credit bureaus and get notifications for everything. The account was opened in XX/XX/2022 and lasted XXXX months. I disputed the fraud immediately and I got my results back XX/XX/XXXX. My dispute was denied. I put another one in immediately and called XXXX XXXX XXXX right after to put in a dispute with their fraud department. Than began making ftc reports and cfpb complaints.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

PLEASE REMOVE THESE FRAUDULENT HARD INQIRIES : 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 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TX)

I attended XXXX XXXX XXXX XXXX, TX in XXXX and graduated in XXXX. When I went to look at the school I was promised that I was going to graduate with a job and that never happen. I never ever had the opportunity to work on what I study because every job would require experience in the field. I went back to the school and spoke to them about them finding the promised job and they never did. Here I am in XXXX and still paying off the loan for a fraudulent school that never help me get a job. As of now I still owe XXXX and I have been struggling to pay a loan on a school that was fraudulent and school was closed. Navient is not willing to help me and refuses to provide me with the application.