davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

The form letter submitted does NOT CLEAR the ESCROW - Shellpoint has on my MORTGAGE STATEMENT -- there is a PAST DUE ESCROW {$2600.00} -- Shellpoint Dashboard statement shows {$2400.00} -- Shellpoint must correct the MORTGAGE STATEMENT! sending CFPB a form letter stating nothing is due is misleading and fraudulent. 

ESCROW balance will be due after XX/XX/XXXX as I pay Insurance/escrow and Taxes within my MORTGAGE PAYMENT. Shellpoint alleges the Mortgage statement can not be corrected WHY NOT? Upper Management Promises to do so since XX/XX/XXXX NOT REALIZED!!! 

Shellpoint was quick to send FORECLOSURE letters without waiting for XXXX XXXX to clear up the Grant payment. I had to contact all parties and secure the grant funding be paid with CFPB intervention. Otherwise I could lose my home due to negligence and discriminatory treatment by XXXX XXXX! 

At the least Shellpoint could create a corrected record. They went back and got my loan history so why cant a CORRECTED MORTGAGE STATEMENT reflect NO PAST DUE amount and {$480.00} is due XX/XX/XXXX?????. A form letter wont due because this error is on my MORTGAGE STATEMENT -- ESCROW is not added to my statement as a PAST DUE when Shellpoint just got the funds and dispersed these funds without any help from WELLS! It is Shellpoint responsibility to manually correct the MORTGAGE STATEMENT. 

The Federal grant paid in full all existing balances including escrow! Since XX/XX/XXXX, have been lied to by upper management at Shellpoint that the MORTGAGE STATEMENT would be corrected by XX/XX/XXXX. IT WAS NOT! As of XX/XX/XXXX - MORTGAGE STATEMENT continues to add a past due ESCROW balance the BALANCE is not described as pending payment which it should state ( pay taxes and insurance+escrow ) in monthly payment. 

Demand the MORTGAGE STATEMENT to be corrected as promised by Shellpoint immediately. My existing balance is monthly mortgage due XX/XX/XXXX {$480.00} In my quest to receive a corrected MORTGAGE STATEMENT -- Shellpoint sends the same form letter to CFPB that I have received 3x and each time does not reflect ESCROW as a {$0.00} balance or a PENDING Balance going forward!!! Shellpoint addition of my Loan History does not deflect their responsibility to manually correct my MORTGAGE STATEMENT! Otherwise I have no proof of a PENDING ESCROW vs a PAST DUE ESCROW!
Consumer complaint received 2023-05-11
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)

On XX/XX/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

XX/XX/2019 there was a charge for {$430.00} from XXXX XXXX XXXX XXXX TX on card XXXX. I filed a billing dispute for the incorrect amount of XXXX, which I later notified citibank should have been for {$400.00} at which time I provided the final billing statement from XXXX reflecting the correct charge should have only been {$23.00} on card ending in XXXX. Citi continued the to dispute the charge seeking a refund of {$380.00} despite being updated of the correct disputed amount was {$400.00}. XXXX responded providing documentation showing a refund. The only refund listed under the merchant response was issued XX/XX/2019for {$100.00} to the card ending in XXXX. Furthermore no documentation was provided by the merchant as indicated in their response comments. This leaves a remaining disputed amount of {$300.00} unaccounted for. 

For charges datedXX/XX/19 onward the merchant was provided card number XXXX. 
In the merchants response a second refund of {$230.00} on XX/XX/2019 is mentioned. However, they fail to provide an explanation or supporting documents for this credit issued to a different card number. 
Despite different card numbers being utilized and documentation provided CitiBank continues insisting the {$230.00} credit issued to card number XXXX is related to the disputed charge of {$430.00} on card number XXXX in error. I have made multiple attempts to inform CitiBank of this continual error to no avail. I am asked to resubmit all the documents, the case will be reopened and I will receive a response in 5-7 business days which I never do. On XX/XX/XXXX after spending over hours in total with CitiBank to recitify this error I was hung up on, yelled at, given false and misleading information and finally told if I want this corrected I will need to take legal action against CitiBank by Disputes XXXX XXXX. CitBank has failed to provide a response or explanation for their actions when the inconsistencies are pointed out and documents provided are contrary to their statements.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (NY)

XXXX XXXX XXXX XXXX  Account XXXX My brother contacted XXXX XXXX to get different dates for the condo. I thought he paid the condo fee at the time of due. I moved due to a divorce and did not get anything from XXXX XXXX XXXX XXXX collection notice. I would like to dispute the debt collection and immediately pay XXXX XXXX but I did not know it was not paid. I was never contacted by XXXX XXXX via phone or email, just a mailing which I no longer lived at the address.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

have tried the web portal dozens of times on different days and it never works. asks for my information just as it appears on credit report - enter that and it returns message that the data is incorrect or portal is not operable try again later. have tried on these days in the past few weeks ( XX/XX/XXXX ). i need to dispute an address associated with my account, a collection and late charges. i can not do that because the portal does not work. i have called and could not reach a human to get assistance. i do not have a printer so i can not print out the issues and send by US MAIL to the company to dispute - and i certainly don't have time to transcribe all of this - no should i have to. TransUnion site does not work UNLESS you buy a subscription to the annual services. Consumer has a legal right to 1 free copy of report annually and the ability to dispute the items on report anytime ... but it is impossible to do these things. please, try it for yourself. see if you can set up an account to get ONLY transunion 's report -- - note that transunion site takes you to XXXX -- - but there you can ONLY order all 3 credit reports - not just TransUnion. i have already got my annual free copy of XXXX  and XXXX  - so this route fails when i try it. then go to transunion 's website. can you find a way to navigate to your free annual report??? i can't. i get to a portal - finally get logged in ( yes, it finds me - matches name to SSN ) -- but when i try to start the dispute process it tells me it can't find my information and to check my entries and try again. same thing for week after week. no online help. call 800 number and can't reach a person - only recordings. Dates in last XXXX weeks I have attempted to make corrections ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this is crazy. i have a problem - i try to report it, but can't. i appeal to cfpb and get a generic non-relevant response to my complaint and cfpb closes the dispute calling it resolved. this is criminal. i'm a real person who needs good credit. please help me.
Consumer complaint received 2019-12-08
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. (VA)

ear Sir or Madam : I am concerned about the validity and accuracy of Experian 's recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX   XXXX {$9000.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6700.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX   XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$7200.00} XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6600.00} XXXX XXXX/XXXX XXXX {$560.00} XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. Experian stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Originally my mortgage was approved by lender inXXXX and was forgiving XXXX dollars, unfortunately, fell behind one payment during that time and was kicked off of arrangement. Now my current financial has improved, however, this servicer ( Ocwen ) went to a new servicer ( PHHMORTGAGE ) and send in all documents however they claim that my lender which is the same lender THAT HAS ALWAYS BEING does not do any modification or extensions.
Consumer complaint received 2019-12-09
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. (FL)

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Credit Card from XXXX Stoped reporting to my Report. I Disputed and The company did not respond to the dispute and it was taken off of my report. I Requested XXXX Start reporting it to my bureaus and filed a additional Complaint on XX/XX/2019. And XXXX Stated if its Not Back on my report within 30 days that it is a problem on the credit Bureaus Problem So I am Adding a additional Complaint with the bureaus
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

I recently found out I was a victim of identity fraud ... My stolen information was used at a company called Acima which I've not heard of ... I lost my wallet with phone attached earlier last year and had to replace everything .. I advised Acima and they do not care and still wants me to pay.. I did some research online and found out Acima is know for allowing identity fraud, they don't have my address on file because the merchandise was not sent to me.. They never mailed me anything advising me of this account because it was not me ... They claim to have my email on file but I advised them my phone was taken as well and email was hacked.. I changed my password upon finding this out. I have been trying to have this item disputed but Acima is very unprofessional and are treating me poorly when I am a victim. Why can't they mail the bill to the address that recieve d the merchandise? Why do they not ask for picture I'd and verify? The account was opened in my name over a year ago and I'm just finding out about it.. I filed a police report and gave a copy to Acima after they asked for it and they still don't care.
Consumer complaint received 2019-12-09
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. (CA)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit Card from XXXX Stoped reporting to my Report. I Disputed and The company did not respond to the dispute and it was taken off of my report. I Requested XXXX Start reporting it to my bureaus and filed a additional Complaint on XX/XX/2019. And XXXX Stated if its Not Back on my report within 30 days that it is a problem on the credit Bureaus Problem So I am Adding a additional Complaint with the bureaus
Consumer complaint received 2023-02-24
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. (MI)

I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$270.00} XXXXl XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

On XX/XX/19 I purchased first class tickets with XXXX Airlines, I also purchased travel insurance through XXXX XXXX a XXXX Partner Per XXXX recommendation on their site. 
I was unable to make the flight due too illness All parties attending business eat at the same restaurant and contracted some sort of bug. Meeting was canceled, Some parties left on earlier flights and were already in place others whom had not reached airport returned home. The Airline denied my refund stating it was a non refundable ticket, which is why we purchased travel insurance to be safe. My credit card company ( Discover ) offered me a temporary credit while they claim to arbitrate on my behalf. The Airline did not dispute in a timely fashion and therefor a decision was found in my favor from the credit card company, Somehow XXXX whom is also a customer od Discover ( a much larger Customer were given an addition bite at the apple to turn in documentation to reverse the credit applied to me, again a decision was found in my favor, The airline was then approached by the credit card company and given specific instructions on what to submit to get the credit reverse. Just Now on XX/XX/XXXX I was recharged the fee of XXXX dollars after they were coached by the credit card company on hoe to obtain the funds my travel insurance claim was never followed up on even though we submitted all documentation and all fees were paid It is unfair for the two giants Discover/XXXX to team up behind the scenes for several months to figure out the correct verbage to force me the little consumer to pay for a ticket that was never used. and To totally disregard the protection in place which has XXXX at the top of the letter head giving me false hope of protection. 
Now I am being told only after many hours of tiresome conversation with the credit card company I can submit additional information but only have 10 days to do so. 
Upon contacting XXXX Airlines they said the matter was closed and done they suspended the ticket and issued me a credit through the credit card company? and they have not resubmitted any new evidence that would change a decision from the first set of information they submitted. Whos side is the credit card company working for? obviously the bigger client which is a unfair practice and deceitful.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, equifax and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

equifax, XXXX  and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.
Consumer complaint received 2019-12-09
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)

The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX/XXXX, {$3400.00} and XXXX XXXX  XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, XXXX  and transunion - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address  associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, XXXX  and trans union also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.