davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I tried to resolve this dispute with the actual company and I never received results. I went to my bank Chase and told them that I tried to resolve the dispute and did not receive results. I told them that I don't know how many charges that I have with this company. I asked if they could look through and let me know. So they told me the charges I had but didn't tell me all of them. I didn't realize that I had charges since last year. Chase told me that I didn't have to sign the normal forms because of the pandemic, however when I got them in my secured message I did so. I was told that I would receive a credit in 24-48 which I never did. I called back and was told that my claim was denied because I didn't put all of the charges. I filed a report with XXXX someone called and actually submitted all the charges. After that I received {$580.00} out of about {$3500.00} I had so many different people calling me until I got completely confused. A lot of people from overseas. I have already been a victim of identity thief. Someone called me last week from Chase when I answered I just heard background noise so I hung up. First I got a messages that I needed to provide more info but they didn't tell me what. Then I called and was told that I needed to sign a paper that I signed in XXXX of XXXX. The next day I received a message saying that my claim was denied again.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

Since XX/XX/2021 I have called many times to try to explain to both parties that I have never had XXXX XXXX. However on my XXXX XXXX, they are showing that I owe an unexplained amount of {$110.00}. Every time I call I get a different response. I am asking to have someone look into this as I am sure it has been happening to other people as well. I have never inquired or received any services from XXXX. I do not want or have cable, wifi, or have any phone services with them currently or in the past. " Focus receivables management '' is their debt collection company and the original creditor name appears " XXXX ''.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Creditacpt Account # XXXX Balance XXXX Date open XX/XX/2017 Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rite to privacy pursuant to 15 USC 1681b 15 USC 1681 4 company has also no permission to report anything using my information 15 USC 1692g Validation of debt 15 USC 1692e False or misleading representation 15 USC 1692i Legal action by debt collection 15 USC A 2 a I late payment 15 USC 1692j a b furnishings certain deceptive form Rule 1002 Requirements of the original
Consumer complaint received 2024-04-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (NY)

I have a assumable loan that I am looking to transfer to my daughter and her husband. We have submitted all required documentation more than once. We almost never hear from anyone form New Rex and when we do they promise it will be any day not that the transfer will take place. 

My daughter and her husband have corresponded with someone that tells them it will be soon, but XXXX  months now. Calls are not returned.
Consumer complaint received 2021-08-31
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. (NJ)

Hello I had an Auto loan with XXXX XXXX XXXX. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX  payments made on time are not reflected on my Trans Union Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on XXXX
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX I submitted a dispute investigation to Equifax about some fraudulent inquiries that I came across on my credit report. The inquiries in question I did not authorize and have no knowledge of them. Equifax failed to investigate my dispute and closed my dispute case the next day on XX/XX/XXXX stating the inquiries are factual. The confirmation number is : XXXX. 
Inquiries : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following companies did not have my permission to run my credit and Equifax failed to provide a proper investigation and documents providing I authorized these inquiries. I have submitted a copy of my DL, proof of address, and social. However Equifax is not saying it needs to do a 30 day investigation. I have tried to explain to them it was fraud and i have supplied the docs they asked for.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

I bank with navy federal credit union, i have never had any issues prior to this. around XXXX my telephone, and wallet had been stolen & fraud charges were on my account, I filed a dispute it was denied. i filed an appeal and it was denied due to them saying i reported having my card however all calls are recorded and they found no evidence that i had the card. Nearly $ XXXX was taken from my account. I have provided a police report and was pushed to the back burner. I have lost out on a ton of money due to the funds being taken from me.
Consumer complaint received 2021-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

The following accounts that appear on my credit account do not belong to me. 
Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

I am submitting this complaint because I am being extremely affected by Comenity, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

The charges were fraudulently made I was not aware that the XXXX store had opened an account for me. I believed it was a discount card. There was a {$5.00} charge I never authorized that charged into {$95.00}. 

Account information : Account number : XXXX XXXX XXXX XXXX. 
Account status : Paid and Closed. 
Date Opened : XXXX. XXXX, XXXX  I am requesting a deletion account from all credit bureaus.
Consumer complaint received 2021-08-31
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)

A dispute towards an account on your credit report should be properly investigated instead of relying on machines as the investigator when it comes to disputes. There is an account from XXXX XXXX whom is reporting incorrectly on my report. I never recieved any services from this company that would lead to any dollar amount. My suspicion maybe is that I am mix up with my father who has a similar name and has used my social security number in the past for fraudulent activities. Whatever the case maybe, I never signed a contract or ever heard of this company. The company states the original balance is {$3700.00} then a past due of an amount is {$4900.00}. This incorrect information violates my rights for accurate reporting and II am getting bullied into a debt to be paid that is not even mines for a dollar amount of {$3700.00} or {$4900.00}.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have an hard credit inquiry that wasnt fraudulently placed on my Transunion credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

Loancare has been reporting late or missing payments since they took over loan servicing from XXXX. After our first complaint to the CFBP, loancare finally sent us a letter stating they misappropriated our first payment and that all late fees are waved, ( see attached ) To date loancare has not cleared our credit report, or even called us back, we can not get ahold of anyone at the number provided .... XXXX XXXX XXXX ext XXXX In addition, the late fees are showing up on our bills along with incorrect monthly Bill amount. It has been brought to our attention that loancare was in litigation and lost for this same type of situation in 2020! We expect our report be cleared of all late payments and correct billing going forward. We will seek legal assistance if this is not taken care of in a timely manner.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have had nothing but major issues with Shellpoint mortgage servicing. They mis-lead me through a modification that never happened. They say they did not have the required paperwork, yet they did and let the time run out by not responding to my inquires. I have this all in writing. This next issue tops it all though! I received notice of an escrow overage of $ XXXX. This seemed off to me so I questioned Shellpoint. They assured me it was correct and perhaps rolled over from the previous loan servicer. I did not receive the check they sent so I called to inquire and again questioned the validity of the refund. I was not given a valid explanation. but told that they were re-issuing the check. While trying to dispute some reporting they made to my credit report I continued to question the extra escrow funds. I was told multiple times both on the phone and in writing that there had been no errors made on my account. Approximately 3 months later I received a call from Shellpoint saying that they did make an error and now I would have to return the funds. I re-allocated those funds to other debts since I was previously assured that there were no errors to my account. Now I have an approximate 5 % increase to my monthly payments that I can not afford on a tight budget. This is complete negligence and I am initiating legal action against them.
Consumer complaint received 2024-04-03
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: LEXISNEXIS (WI)

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-08-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XXXX XXXX Bank is said to have the mortgage while pooling with Fremont Investment and Loan. It now turns out that XXXX XXXX is the major Trustee of the pooling. Also, the foreclosure that was filed in XXXX states that was another mortgage signed XX/XX/XXXX. Nobody has the mortgage and the note to this closing. There is however and Rider to the note that states the mortgage was signed XX/XX/XXXX. There is an addendum to the note that states it was signed XX/XX/XXXX. 
PHH who is the servicer since Ocwen is not allowed to do any financial dealings in all 50 bought PHH. They that it is a transcribable error. In XXXX the before documents were sent to XXXX Court as part of the package. The Limited Power of Attorney states that all of PHH companies has power of attorney. There is no names who has the power of attorney. the way it is written the corporation has to sign all documents, no individuals. i can send you all the documentation if requested. 

Thank you
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, Experian and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have 2 accounts with XXXX. One account have been paid in full from XX/XX/XXXX of {$180.00}. I also have another account of {$280.00} which have been paid in full. However, I received an alert that these paid accounts are delinquent after they have been paid in full. I also realize that an account appeared on my report for {$400.00} from XXXX which I know nothing of. The company need to evaluate their reporting under the FCRA as this is illegal to report something that is untrue.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Shellpoint ( Lender ) bought my loan from Ditech and somehow my insurance information was not forwarded to them. I called Shellpoint early in XXXX to see what I needed to do to remove the forced placed insurance from the account. They told me I needed to contact my insurance company. I reached out to XXXX XXXX and they faxed the policy over to them. As you can imagine XXXX was extremely stressful for me, there was looting within a mile radius of where I live, I have XXXX children, XXXX was in high school and the other XXXX are XXXX  siblings ages XXXX & XXXX. I work a full-time schedule and was XXXX XXXX part-time too. Needless to say, I had my hands full. By the time I realized I was still being charged for forced placed insurance, it might have been late XXXX or early XXXX. I must have spoken to over 10 different people before fully understanding what information was needed. I was bounced around between Shellpoint 's Customer Service, Shellpoint 's Insurance Department and XXXX XXXX a third party Insurance Company. My condo association forwarded me the insurance certificate in XX/XX/XXXX and I uploaded it to their website. Then I had to wait for XXXX XXXX to notify Shellpoint so that they can credit the account. 

They are not clear on the charges they place on the account. Their accounting methods are very scary to me. They randomly add fees ( property inspection ), they place multiple charges and credits to cause confusion ( see Transactions on XX/XX/XXXX ). They are offering me loan modification, which I do not need! I have the money, I have not made any payments since XX/XX/XXXX because I do not know where the money will be applied. There is a balance of {$1100.00} for unapplied partial payment, this should be credited to the account. 

PROBLEM They are charging me : {$1500.00} for forced placed hazard insurance from XX/XX/XXXX XX/XX/XXXX {$310.00} for forced placed hazard insurance charged on XX/XX/XXXX due XX/XX/XXXX {$130.00} for property inspection fees from XX/XX/XXXX XXXX {$45.00} PMI disbursement charged XX/XX/XXXX due XX/XX/XXXX but was already charged XX/XX/XXXX {$480.00} late charges from XX/XX/XXXX to XX/XX/XXXX - {$550.00} insurance refund applied XX/XX/XXXX - {$660.00} insurance refund applied XX/XX/XXXX {$1200.00} refund is still due on the account ; please refund this amount ASAP in order to get the account up to date Plus {$1100.00} Unapplied Partial Payment that needs to be credited to the account