davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (MD)

This is a followup from a complaint sent to CFPB on XX/XX/2020, # XXXX. 

This is still not resolved. It has become a blame game. New Rez/Shellpoint saying it's the mortgage company fault and vise versa. I sent the following email to the person on your resolution letter. I've been trying to resolve the issue directly and I'm still getting a runaround. The phone # on the letter was to a XXXX XXXX but no one seems to be able to contact her. Here 's my updated issue to my original complaint : XXXX, I am referring to you because your name is on the attached letter resolution from Shellpoint as a contact, but I have not been able to reach you at the phone # provided on the letter by CFPB. I can not believe it has been over 3 months that I've gotten a response ( not a resolution ) from CFPB ( Consumer Financial Protection Bureau ) regarding my inability to access my mortgage account ( XXXX ). Initially the issue was the incorrect Social Security # in the system.XX/XX/XXXX claims they sent the correct # over, and Shellpoint claims they received the incorrect #. It appeared as though it is still not fixed internally according to one of the 25 representatives I've spoken with at Shellpoint/New Rezs ' customer service line, when I put my last 4 digits of my SS # it brings my account info up but there's still something wrong. 

Since XXXX, I have called at least twice per month, since I'm forcibly stuck with calling in my payment monthly, and it's been the most frustrating experience EVER!. I have had 4 mortgages, done at least 8 refinances in the past 10 years and never have I ever had this confusion with a mortgage company. I've received at least 5 Ticket # 's with each person promising that this time it will be fixed and I'll get an email from the Tech department ( who CAN NOT speak with customers ) ... and I never get the email follow up from them. Each time I call they would say the tech department will wipe out all the information received and I would start from scratch and I should receive an email 2-3 days, in the past 4 months I have received no such email. They've instructed me to try new passwords, new sign on 's, new email addresses and NOTHING works. I have spoken to all of Shellpoint 's representatives by now and they all have transferred me to their TIER 2 department. I have spent hours on phone calls and with now resolution in sight. The errors keep coming back as 'you 're login has already been registered to another account, and when I used a new user ID it would say something like ' can not get on account, try again '. One of the Rep even tried my login information on their computer and got the same response.

I want to pay my mortgage online, MYSELF! not with the assistance of your rep, and I was charged a fee because the Rep took wrong account information down and they sent me a fee. This is too much now! I want my account access fixed immediately ...
Consumer complaint received 2021-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (NJ)

We applied for a loan on two of our rental properties. They took our information over the phone and assured us we were approved. Sent out VP Mr. XXXX who assured us we werre approved, said they needed approximately {$1400.00} for appraisals. Once we paid the money we were told our application was in processing on the way to underwriting, promised we were going to closing. Prior to going into processing we provided them with all of the documents required to obtain a loan, great credit rating and everything. We were to close within a week, two days before closing we were told we were not getting the loan but we could have our useless appraisals. So we are left without our money and without our loan. No loan number or anything. VP XXXX stated that he has 5 or 6 people he visits a day, at that rate they dont have to exact any loans, they can just promise everyone a loan, collect a check and move on the the next
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NY)

1 i requested the Payment History the amount indicates XXXX

2. On XX/XX/2024 I spoke with Credit Acceptance which representative informed me the amount past due is {$11000.00} which is about 141/2months.

However XXXX XXXX and XXXX XXXX both agencies are reporting 24 months late that would total XXXX.
Consumer complaint received 2022-11-23
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. (NV)

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of it.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX, XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact Capitol One. Capitol One was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by Capitol One. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (IL)

On XX/XX/2019 Caine Weiner added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Caine Weiner has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit. 

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in 2015 and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XXXX  that I must deal with the people who put the inquiries on there.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive contacted all 3 credit bureaus XXXXXX/XX/XXXXTransuion,XX/XX/XXXX roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites likeXX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX Opened XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXXXX/XX/XXXX Opened XX/XX/XXXX Balance {$880.00} 5. XX/XX/XXXXXXXX XX/XX/XXXX Balance {$420.00}
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

on XX/XX/2020 i sent my 1st set of letters to HEAD MERCANTILE CO I ABOUT SOME ALLEGED DEBTS OF XXXX, AND XXXXTHIS IS MY SECOND SET OF LETTERS WITH NO RESPONSE.THIS IS VERY DEPRESSING THAT I CANT GET ANY ASSISTANCE IN THIS MATTER.I HAVE ATTACHED COPIES BELOW ALSO.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OR)

On XXXX my account was hacked by someone named XXXX XXXX Chime/XX/XX/XXXXXX/XX/XXXX doesnt let you know if your account has been compromised via email, text, or App notification. I was unaware of the fraudulent activity until the morning of XXXX when I checked my account and funds had been removed. The person that gained access to my account was able to transfer {$1200.00} from my savings account into my checking account, then proceeded to send themselves that same {$1200.00} using the Pay Friends feature. This feature is fairly new. You are able to send anyone money instantly if they have a chime account as well. There is no 2 step authentication to make sure its really you sending the money. My money was instantly transferred to XXXX XXXX I have made a police report, Made a statement to the XX/XX/XXXX and contacted the federal reserve of this matter. This incident has happened to many people. I have posted in Chime banks subreddit, and read other forums of this situation happening to many people. Most of the time these individuals arent getting their funds back because chime doesnt think there is any indication of fraud. But it sounds like to me Chime is supporting this behavior and its unacceptable.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

I bank with Chime bank and on XX/XX/XXXX a fraudulent transaction for {$600.00} came through from XXXX. I first tried to contact XXXX about this {$600.00} charge and they refused to help me and I can not get thru to their support. So I reached out to chime to open a dispute on XX/XX/XXXX. 

Chime opened the dispute and asked me to send them proof/police report with in 10 days which I sent out immediately. Chime closed my dispute within 3 days of opening it in favor of the fraudulent charge. I know for a fact that my forms/police report/ XXXX transcripts did not arrive at chime in those 3 days. So basically chime did not properly investigate this and did not look at the stuff I sent them .I was suppose to have 10 days and only got 3. Now, chime refuses to respond to my request to reopen the dispute and look at what I sent them. I want my {$600.00} back and I want chime to properly dispute this transaction.
Consumer complaint received 2021-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I filed for Chapter XXXX Bankruptcy in XXXX in XXXX. I have been consistently making my Trustee payments. XXXX XXXX XXXX HELOC was included in this bankruptcy. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will no longer service my loan. The new servicer will be Specialized Loan Servicing, LLC. I never received any information from Specialized Loan Servicing regarding my account, monthly payment amount, and how to submit payments. I attempted to set up an online account with Specialized Loan Servicing ( SLS ) and was prevented from doing so. I called SLS and spoke to XXXX and he told me to pay {$830.00}. I called my attorneys office ( XXXX XXXX and spoke to his legal assistant XXXX to inform her that XXXX has not provided me with any account number nor any written documentation regarding my loan. My attorney contacted XXXX  and XXXX  wanted me to pay {$4000.00} to start a payment plan. I told my attorney that I only have {$3000.00}. I sent a personal check to XXXX for {$3000.00} and XXXX sent the check back to me. Around this time I noticed XXXX charged off approximately {$80000.00} onto my credit report. Again, I contacted XXXX at my attorneys office to let her know XXXX  did not accept my XXXX payment and has now put the full balance owed on my credit report. XXXX told me she will contact XXXX. I told XXXX that I will not make any payments unless XXXX pulls the loan back from my credit report and provide access to a monthly statement. On XX/XX/XXXX I received a formal Creditors Certification Of Default from SSLs attorney XXXX XXXX XXXX, XXXX, XXXX, Fl and sent to the US Bankruptcy Court Chapter XXXX, Case No. XXXX. XXXX is proceeding to foreclose on my property without even giving me a chance to pay. XXXX  also never introduced themselves to me by lette, nor did XXXX provide a payment plan as they should have since this is an active Chapter XXXX bankruptcy. XXXX  was also making it difficult to make payments because they only wanted me to use Money Orders or Certified Cashier Check.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (KY)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (KY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX