davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

NewRez Mortgage also known as NewRez LLC has ignored my request to take my account out of escrow, even though my original note never had this as a requirement. I wrote my first letter to them in XXXX of XXXX after my mortgage was sold to them. Unfortunately, this year, they have taken almost {$4800.00} in escrow and although they claim they have paid my property taxes, they have not. As of today, ( XX/XX/XXXX ), they are still unpaid. I have a telephone recording where the representative assures me they were paid on the XXXX of XXXX. As I can see online, I'm not the only person this has happened to. XXXX XXXX XXXX? XXXX In XXXX of XXXX I was suddenly unable to make my mortgage payments online due to an " invalid bank account number, '' even though I have had the same bank account number stored ever since my mortgage was sold to them in XXXX of XXXX. As I suspected, this has affected others as well, as they are charging late fees when customers are unable to complete their payments online. In the same recorded phone conversation mentioned above, I have the same customer service representative stating that on XX/XX/XXXX, someone notated something to the effect in my account that this issue was fixed, however, it was not. I was unable to make my XXXX payment online and had to call to make my payment over the phone. 

This company appears to be profiting off of their dishonest practices of supposed " technical glitches '' that they promise to fix, but do not fix, and all the while they are charging late fees. Additionally, I am ALARMED at the amount of people who are complaining online, ( of which I am one ), about NewRez NOT paying property taxes and/or insurance for which they have collected the money. 

I can not afford to pay my property taxes twice. I am in Texas, and with a property tax bill that is almost {$5000.00}, I would have to come up with another {$5000.00} right now in order to pay again. Additionally, this puts a worse tax burden on me as now my property taxes were not paid in XXXX. Is there anyone who can help me get released from escrow at NewRez and force them to pay my taxes with the money that I have already paid them?
Consumer complaint received 2023-03-04
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. (GA)

I asked Equifax to RE-INVESTIGATION this account and Send Me Documentation of the re-investigation : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any proof documents for their claim. Please send me the paperwork and the description of the re-investigation that was used to verify this account
Consumer complaint received 2021-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

Applied for Bank of America XXXX XXXX XXXX XXXX late XX/XX/ 2021. 
Instant reply was : Denied, we will send a letter explaining why Received letter to my military APO address XXXX XX/XX/2021, dated XXXX XX/XX/2021, stating the application was not approved because, " You are currently or have recently been enrolled in a consumer credit counseling service or a reduced payment plan. '' A check of the XXXX  credit report they CLAIM to have used to disapprove credit shows NO such information and no indication of any such service or payment plan This is behavior by Bank of America ( B of A ) is problematic for three reasons : 1 ) Neither I nor co-applicant nor anyone in my household is or has been enrolled in a consumer credit counseling service or reduced payment plan - NONE. This matches the ABSENCE of ANY such notation in Credit Report. Credit report is not wrong, only B of A 's false claim / excuse is wrong. 

2 ) Was this actually B of A discriminating against Americans XXXX  XXXX  with U.S. Military addresses, even when a credit report verifies those military addresses? My credit score from XXXX was over XXXX, according to B of A 's letter of denial, and claim of " consumer credit counseling or a reduced payment plan, '' proved false by looking at credit report. So, why the false claim and why the denial? What other hidden criteria did B of A ACTUALLY use to deny credit? Why did they lie about it in their written explanation? 

3 ) Even if we HAD been enrolled in credit counseling ( we are/were no ), it seems worrisome that receiving consumer counseling services would be a negative thing used to deny credit. Shouldn't disapproval of credit be based on ACTUAL losses or failures to pay rather than consumer education received?
Consumer complaint received 2021-02-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Portfolio Recovery. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is Portfolio Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Hello, I went to XXXX about XXXX to XXXX weeks ago. As I was at checkout I was asked if I wanted to join their rewards program ( I didnt know this would be to apply for a credit card since the association said it was a rewards program ) so I said yes. She had me fill out some information. After I filled it out she let me know that my application was denied at the moment and that Id get a letter in the mail explaining why. Didnt think much of it until I received the letter explaining why I was denied credit. In my defense I was never told I was applying for a credit card, I was told a rewards program. This is the reason as to why Im reaching out today. I would have never applied for a credit card knowing my current credit score situation.
Consumer complaint received 2021-02-18
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. (NY)

XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing XXXX XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope XXXX XXXX understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.
Consumer complaint received 2021-02-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Curfin Holding Company, Inc (IL)

Greater Chicago Finance Company I had spoke with them in XXXX XXXXPrevious to this they kept making hard credit marks on my credit score every 3-6months. I confirmed my place of work and my phone number and my address. I told them I was going to make small payments which I have been. I made small payments to them. 
When they called my job I answered the phone and I was told that if I did not pay them an amount of at least $ XXXX/Month they would garnish my wages and that they already had a lawyer and that I was going to have to pay for court fees and lawyer fees. 
I told them I wasn't hiding and that I could send them payments but I am a single mother and I have to pay other things. Since then I have send them payments and they already know all my information. Today XX/XX/2021 they called my job again and asked to Speak with my Supervisor by name. Later the owner called me and she let me know that they have been calling nonstop and that they have also send them paperwork regarding my debt. My employer was informed that I was not paying a debt to them and private information that I am unsure why Greater Chicago Finance has done this ; especially since I gave them all my information and I have been paying them and they had confirmed in XXXX that I do work where I say I work.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

LexisNexis provides information to the different credit reporting agencies regarding public records, and background checks. LexisNexis is reporting a chapter XXXX bankruptcy on my report from XXXX which is now reporting on my three credit reports, and is ruining my credit. I have made dozens of attempts to correct this information, unfortunately LexisNexis is refusing to help me. They have only provided me a letter stating there " research '' shows it is correct. There " research '' is incorrect. 

First and foremost I filed chapter XXXX bankruptcy in XXXX, Federal Law prohibits filing chapter XXXX again within 8 years. So what they are claiming isn't even legal. In addition to this I also received a letter from the Superior Court of XXXX ( the same court, they are claiming this BK was filed in ) that letter clearly states it is an error, and goes into detail regarding the same Federal Law mentioned above. 

I will say in there defense the chapter XXXX is real, however it is my ex wife 's chapter XXXX so I can see how they are confused. But I believe considering the law, and the evidence I have provided them I believe they need to correct there error. And provide an update to all three credit bureaus. 

Thank you for your time and consideration.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (TX)

This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to XXXX during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified XXXX XXXX, XXXX has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager XXXX XXXX XXXX XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had a charge on my " Home Depot '' credit card for {$21.00}. which was due XX/XX/23. I called them on XX/XX/23 to make the past due payment and asked them if they would waive the late fee, which they did. I got a new bill from Home Depot in XXXX for an amount of : {$21.00} ( Previous payment made on XX/XX/23 ) {$23.00} ( Fees charged ) New balance due XX/XX/23 of {$45.00} ( XXXX ) Past due amount {$21.00} ( already paid on XX/XX/23 ) I called them up and had to talk to 2-different Reps. and 3rd one to the Dispute Dept., and they finally agreed to take out all charges. So, now they made it to a XXXX charge amount. So now its resolved.
Consumer complaint received 2021-02-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

no activity on this account since XX/XX/2019. Reporting only on my Equifax. Called creditor @ XXXX. The creditor shows 2 active accounts for me, but none of which are with crescent any more. The account is outsourced to XXXX XXXX contact number, no good.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (CA)

I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (LA)

I have requested a credit increase on multiple cards and never received it. On XXXX XXXX, 2021 I received a letter stating that Ive reached navy federal maximum unsecured limit, which is not true, I reached out to the bank personally and they offered no information as to why, when I could get one or what is going on.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (AZ)

I am needing a lien release of a loan we had with GMAC from XX/XX/XXXX-XX/XX/XXXX. We originally got the loan through XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$130000.00}. The loan was service released within days to GMAC taking full ownership of the loan, while being serviced by HomeComings Financial LLC. While we were with GMAC/HomeComings, we got a modification with a principal reduction of {$48000.00}, giving us a new principal balance of {$87000.00} which GMAC processed the principal reduction internally then did a FHA refinance in the new amount of {$94000.00} ( included closing costs ) on XX/XX/XXXX. During this time GMAC did not process the lien release for the {$130000.00}, Deed of Trust recorded at XXXX County Recording No : Docket XXXX, Page XXXX. However, they did record a new Deed of Trust on XX/XX/XXXX at XXXX County Recording No : Docket XXXX page 2114. Once we refinanced again in XXXX, GMAC processed a lien release for the new modified loan in the amount of {$94000.00}. Since GMAC is out of business as of XXXX, I reached out to PHH Mortgage requesting a lien release, as Ocwen Loan Servicing, LLC parent company of PHH Mortgage took over/acquired GMAC. The response I received was that they have no records or did not acquire servicing rights for the subject loan as part of the aforementioned sale. Therefore, they are unable to assist. Which is why I am now filing a complaint and a request for a lien release from PHH Mortgage/Ocwen Loan Servicing, LLC. Due to the lien release not being recorded, I am unable to close on the sale of my property.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

i have been getting debt collection notices from Cach llc and the law firm XXXX, XXXX and XXXX. These companies say I owe them {$24000.00}. The original creditor is XXXX XXXX XXXX. The debt I assume was sold to Cach LLC for collections. the Law firm is trying to recover the debt on behalf of cach LLC. I have never taken a XXXX XXXX out from XXXX XXXX XXXX. XXXX XXXX XXXX  told me that XXXX XXXX financed the loan. I called XXXX XXXX and they told me they have no record of me or that loan of {$24000.00} The thief who took out the loan used an old address that I lived in over 9 years ago ( XXXX XXXX XXXX XXXX NJ, XXXX }. I moved out in XXXX. XXXX XXXX XXXX  told me The loan was taken out on XX/XX/XXXX. I Have lived at my current address for over 9 years. This fraudulent debt has been on my credit report for over 4 years. 2 years ago i asked Cache llc to validate the debt. they sent me a validation letter. I have not heard from them since, that was in XXXX, XXXX XX/XX/XXXX, XXXX I received a letter from XXXX, XXXX  and XXXX. threatening to sue me if I don't respond in 30 days.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (WA)

We refinanced our mortgage and got stuck with American Pacific Mortgage. Our first payment was due XXXX XXXX. We made a payment of {$1000.00} by check on XXXX and the company received on XXXX XXXX. Our payment due each month is {$760.00}. Our XXXX XXXX payment was also by check and was received XXXX XXXX also for {$1000.00}. Our XXXX XXXX payment was made electronically on XXXX XXXX and received on XXXX XXXX for {$1000.00}. Our XXXX XXXX XXXX payment was made electronically on XXXX XXXX and received XXXX XXXX also for {$1000.00}. Our XXXX XXXX electronic payment was sent XXXX XXXX and received XXXX XXXX for {$1000.00}. 

They are saying we are behind one payment which is incorrect. We have been calling this company since XXXX to get this situation resolved. We have sent to them copies of the checks from our bank and a list of our electronic payments from our bank. We are constantly being told that they are researching the issue and that it will be resolved. The problem is that every time we call we are told of a new date that it will be resolved and this has happened numerous times. They have also applied two late payment fees. We have spoken to supervisors and this is still not resolved. 

We feel that this should be an easy situation to resolve since we have only made 5 payments. We are beginning to think that they just don't care to resolve.
Consumer complaint received 2023-03-03
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. (TX)

i have multiple accounts that dosent belong to me which is ( inquires ) and i tried to send the dispute letter to them ( equifax ) and they did not delete these accounts please i want to report them for not protocting my privacy equifax XX/XX/2023
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.