davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

This is a complaint against Newrez/Shellpoint for their deceitful and predatory practices with an intent to delay, deceive, misrepresent and provide no timely resolutions. 
Newrez/Shellpoint provided a three ( 3 ) months forbearance from XXXX. Prior to the due date of XX/XX/XXXX, I attempted to reach Newrez/Shellpoint multiple times to discuss available options including payment deferment because I was able to resume my monthly payments as of XX/XX/XXXX but unable to pay close to {$14000.00} all at once. 
Despite of my numerous attempts to timely resolve, Newrez/Shellpoint never responded to my numerous calls prior to the due date of XX/XX/XXXX with an explanation that the assigned point of contact XXXX XXXX can not call back and is unable to make an outbound calls for some reason my system continues to suppress the call ( see emails dated XX/XX/XXXX and XX/XX/XXXX -exhibit 1 ) Only after I emailed XXXX XXXX stating that I would lodge a complaint with DFS ( my prior requests before the due date all ignored and as I also submitted a questionnaire through the portal and emailed the mitigation team through the secure dashboard on my account for Shellpoint and as I received a message that I would be contacted but I had not been once called back until after the deadline of XX/XX/XXXX had passed ), I received a response with a pre-approval dated XX/XX/XXXX. 
The said pre-approval email dated XX/XX/XXXX stated that my balance that had been accumulated during the forbearance would be placed at the back of the loan inclusive of the XXXX payment and contingent on the escrow shortage payments projections. 
However, Newrez/Shellpoint never intended to resolve as I was told to withhold my XX/XX/XXXX payment because Newrez/Shellpoint misrepresented that it would be applied to the back of the loan and that the amount of payment would change slightly from my regular {$3700.00} to around {$3700.00} subject to final approval. 
On XXXX XXXX, 12 days past the deadline, I received an urgent call that Newrez/Shellpoint can no longer process the payment deferment and would not allow me to resume my monthly payments because you have exhausted the deferment option previously on XX/XX/XXXX you received a 21 month deferment this is the maximum allowable for covid hardship which was known to Newrez/Shellpoint as an event that occurred a year and a half ago and known to Newrez/Shellpoint before providing a pre- approval dated XX/XX/XXXX which was contingent on the escrow disbursement payments. 
Because of Newrez/Shellpoint intentional tactics of not discussing any options before the due date ( after coming out of a 90 day forbearance ), ignoring calls and based on Shellpoint intentional acts inclusive of unable to make an outbound calls for some reason prior to the due date of XX/XX/XXXX and a delay known to Shellpoint to be deceitful as they now claim that the account is close to 120 days in default with an imminent foreclosure.
Consumer complaint received 2024-03-22
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

An unapproved insurance service called Home Depot Balance Protector was added to my account without my knowledge or permission. I called on XX/XX/20 and canceled when I discovered the error. I was told that a refund in the amount of {$3300.00} would be returned to me within thirty days. I have called the Home Depot Balance Protector contact center on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. Each time I speak to a specialist, I am told that I will receive a follow up by mail within thirty days. I have not received a refund. I expect to be refunded due to the unauthorized service that I did not add to my account.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MN)

I have been disputing it for months, but they have never responded to me for the high and predatory charges on my account, Midland refuses to send the documentation of this account that they bought that was disputed for the charges that exceed those allowed, they only send a Bill, I require the documentation original account of this account, including a complete breakdown of the account ( including applicable interest rates and APR ) and a complete record of all credits and payments attributed to this account. In addition, there are specific inaccuracies related to my credit report. I think the amount you declare and collect is wrong.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Case # XXXX is not yet resoved. I repeatedly tried to contact the Bank of America personnel but I just get his voice mail. His name is XXXX XXXX with phone # XXXX ext XXXX. Try calling him and you will know what I am referring to.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

I disputed a fraudulent charge on my account in the amount of {$9800.00} posted to my account on XXXX XXXX from XXXX. I filed a fraud claim on XX/XX/2021 and it took a XXXX complaint for you guys to place a provisional credit on XX/XX/2021. A few weeks later I received a letter from your team saying the investigation was concluded and that the provisional credit would become a final credit on the account. A few weeks after that on XX/XX/2021 you guys re- posted this fraudulent charge to my account. I am asking you guys to please re-open this case on my account and remove this fraudulent charge from my account as soon as possible as I have a payment due date within the next few weeks and I do not have the funds available to pay this fraudulent charge. If you would review my account you would see I have never spent more than XXXX XXXX or so dollars on this account. I have tried to contact this company multiple times and have tried reaching their so-called fraud team and have gotten nothing but hours long holds and inevitably being hung up on. Feel free to contact me to discuss this further. I have also faxed a copy of this letter to your team with no response.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX  blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX  to DELETE these Nelnet accounts on my credit report at XXXX  IMMEDIATELY.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting error code NH. I called Equifax and they can't give a reasoning for the code. They stated it would be escalated. I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NY)

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX TO : Inspector General Dear Sir : This letter is to inform your office that over the last 5 years Bank of American has failed to address our concerns in writing therefore, we are asking for an investigation over our new allegations ( theft of funds ). 
Bank of America refuses to help us refinance our home after we owed less than {$40000.00} XXXX dollars on our home loan. Due to covi-19 we lost part of wages and now were heavily in debt to our creditors. We have had a history with Bank of America for over 29 years. WE have never missed our mortgage note. I have worked at the same job for over 29 years. But Bank of America has no heart in helping people near are around the XXXX. XXXX XXXX with certain zip codes. 
After find a lender to pay off our mortgage with Bank of America there was an over payment. We are requesting that you investigate whey Bank of America refuses to give us back the money in our escrow account since they are no longer the lender. Also it was an over payment to them for the pay off on the house as well. 
Bank of America will not give us our refund back therefore, we need your office to investigate whey this Bank thinks they can steal our money. 
-New Lender XXXX XXXX pay off -- -- -- -- -- XX/XX/2021 Over payment -- -- -- -- -- -- -- -- -- - Escrow account {$1100.00} Pay-off to Bank of America by XXXX XXXX  -- - {$40000.00} We owed Bank of America about {$38000.00} ( account number XXXX ) So, we want our refund from Bank of America now. 
Thank you Sincerely yours XXXX XXXX XXXX XXXX :
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX my vehicle was stolen from me from a company that I have no contractual agreement with. I submitted a claim on XX/XX/XXXX and someone reached out to me named XXXX and he said that he was going to be investigating this case I have not heard back cents, and I am receiving notice to sell my private property. I am attempting to reach out to the company and they are assuring me that there is no way that someone could have contacted me directly because they do not do outbound calls. I have received false and misleading information from the company
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AR)

Coinbase unexpectedly sold XXXX dollars worth of my XXXX without notice or warning. The money is no where to be found and the support team has not resolved my case and it's been almost a 3 weeks. I did not authorized a sell transaction and there was no confirmation that this happened. Simply the funds are gone and I have no access to them. Please help
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (TX)

I had a XXXX mail account hacked in XXXX and they used this for an extensive, sophisticated identity theft in which, on XX/XX/XXXX, they hacked and attempted to hack all of my other accounts including investment accounts. They also attempted to take out dozens of loans and credit cards in my name. I immediately froze my credit with all of the agencies, changed my passwords, and set up all of the precautions I could think of. I immediately appealed accounts started in my name. This effort continued through the rest of XXXX and lingered through most of XXXX and I thought I had stopped and limited the damage, although I am still dealing with consequences. 

In XX/XX/XXXX, I found out that one of these accounts, at SoFi lending, was not appealed correctly in the fracas of XXXX. In the three months, they had reported a debt of {$10000.00} to a collection agency. I immediately requested a fraud packet from them, and completed it, including a full police report of the XXXX identity theft. 

It took them over a month to review this, which included not receiving the police report which had to be eventually resent by certified mail. They let me know last week that they have determined that the debt is in fact owed by me and they will not be classifying it as fraud. They have not been able to tell me why this is the case, nor the address or account or any details to whom the {$10000.00} was remitted to.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

I've been a customer of GM Financial for two lease vehicles. I have NEVER been late until XX/XX/2019. I was XXXX  with TWINS & me & my spouse was planning to purchase a home because our family was now expanding & we needed more rooms. We were on our way to a meeting with our mortgage consultant & it starts to snow & it turned into a blizzard. A truck zooming by spinned out in front of my husband 's car causing our vehicle to flipped over & hit thr bank. I was 6 months pregnant. They had to cut the top of the vehicle to get me out. My husband was injured & so was I. I had to have an XXXX  XXXX. XXXX XXXX, died immediately out of the womb, XXXX XXXX XXXX XXXX XXXX was in XXXX ( I found out about the XXXX baby after I came out of XXXX ). XXXX XXXX died a few days later as well, he was the smallest. I was inpatient in the hospital while my last baby fought for his life. He soon died as well. I was released to a inpatient rehabilitation center, but now it was XX/XX/XXXX. My lease note was due XX/XX/XXXX. To be honest, the last thing that was on my mind was GM Financial. I had just lost XXXX kids & me & my husband were both injured & I had one child at home still. My mom brung my mail to my facility & I called GM Financial to explain the situation via online messenger. I paid it immediately, 32 days past due. I told them that I have a great credit report/score, no late with them or any financial institution on my credit file & asked if they could forgive the late payment as a good will gesture. They denied me after calling about it several times. I even emailed the CEO to explain & her assistants were very rude to me, unapologetic & lacked sympathy. I couldn't believe how they were handling me after this very vulnerable moment. The late marking was accurate, but due to no fault of my own. I had no control of the situation. I would've never been late if circumstances were different. This is the only late marking on my file. All the other institutions were so understanding. This negative marking has ruined my credit profile, has caused me to be denied other credit & low APR 's even with a healthy profile & a credit score of over 740. I have been a great customer to this company. I will never lease with this company again because this one minor thing has shown me how this company feels about me as a client. Out of all the people I've talked to at GM Financial about this, not one has even said, " I'm sorry for your loss. ''
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am XXXX in the way this has been handled. I am sending in my this letter today with more supporting documents.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP (CA)

I am filing a complaint against Kimball Tirey & St John, because I believe they are validating my consumer rights. The Fair Credit Reporting Act requires that they accurately and fairly report debts, yet, they are attempting to collect on debt that is not valid. 

In XX/XX/2017, I lived in government housing on a XXXX installation. XXXX XXXX XXXX was the property manager. While living in housing, I received an electricity bill, which I immediately disputed because the bill seemed extremely high. At the time, XXXX XXXX XXXX ignored my complaint, and my account went to collections. Later that year, the military installation opened an investigation into the utility billing. The program had come under fire for inaccurate monitoring, resulting in anecdotal reports of unearned overcharges and other inequities. As a result of the investigation in XX/XX/XXXX, XXXX XXXX, acting assistant secretary of defense for sustainment, signed the XXXX XXXX XXXX XXXX, which directed the immediate suspension of the XXXX utility billing program, also known as resident energy conservation program ( XXXX ), and dismissed all debts associated. Below, I have provided a link related to this topic : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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. 

Although, this debt has been dismissed Kimball Tirey & St John continues to report a debt on my credit report in the amount of {$1400.00}. I would like this debt immediately removed from my credit report.
Consumer complaint received 2022-04-19
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. (IL)

I sent Equifax a letter dated XX/XX/22 to request verification of debt and HIPAA authorization including the following : Per my rights under HIPAA, I requested : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Per my rights under FCRA Section 609 ( a ) ( 1 ) ( A ), I requested the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it. Equifax sent me an updated credit report stating the information was verified. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization from Equifax OR XXXXXXXX XXXX  ( furnisher ).
Consumer complaint received 2023-02-20
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. (NV)

This is my follow-up complaint in line with my previous complaint on XX/XX/XXXX. The items I am disputing are erroneous and needed to investigate Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} SXXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed are not my home address, and the accounts are inaccurate and fraudulent. Im seeking Litigation. The inquiries are unauthorized and fraudulent. Please delete them at once.