davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (CA)

I received a loan account ending XXXX & XXXX with XXXX as my direct loan advisor and Lender. XXXX put me into unfair predatory lending that was illegal as no possible way to pay the negative amortizations on XXXX XXXX in XX/XX/XXXX. 

By XXXX by mutual agreement with XXXX informed me to not pay, and within the next months called Due by Affirmative Act of Acceleration of the Maturity Date to XX/XX/XXXX. There was never any deceleration of the debt obligation called due. The maturity Date never changed. California Law provides Civil Code 880.020-882.040 and provides the debt obligation is no longer enforceable by any means, nor is the enforcement of the power of sale in the deed of trust. The deed of trust is VOID. Satisfied. Payments were made during XXXX and refused when they were to provide a loan modification under NMS agreement XXXX XXXX XXXX XXXX XXXX  closed down in XXXX. By XXXX, Six years after acceleration no litigation no bankruptcy the Accounts all of them were removed " off from my credit '' and Accounts were Closed by XXXX - AND THOSE WERE XXXX BALANCE DUE. NO CREDIT TRANSFERRED. I HAVE PROOF OF THE CREDIT REPORT BEFORE FILING A BANKRUPTCY ON XX/XX/XXXXXXXX 
BY XXXX XXXX transferred to Shellpoint Mtg LLC and later turned to NEW REZ LLC - The IRS Form from XXXX had no outstanding balance due. NEW REZ LLC hires Attorneys to make up the law to AID and state that the lien and debt is owed and forced me to file Bankruptcy and presold by mock auction opened up " Escrow '' on XX/XX/XXXX by a well known " investor '' buyer. And Shellpoint is making up FALSE DEBT that is not owed. 
More than FIFTEEN YEARS since the last due date recorded indebtedness XX/XX/XXXX. No Litigation ever but for short total of 1.3 Months of Bankrutpcy after the debt was no longer enforceable. NEW REZ LLC hires out of state attorney 's to make false debt claims. My Identity has been the link to create their fake debt claim and I have called the FBI/FTC and will update to the IRS and OIG of the Social Security XXXX They are now claiming a new Sale Date of XX/XX/XXXX and have caused me to file ruin and destroyed my life and credit for a FAKE False Misleading phantom debt " False Lien '' Scam to take and steal my equity, my real property using FALSE DEBT using my Identity. 
I have recently uncovered the scam since being a victim of Title Theft and this opened up to show me that this is Identity Theft. The entire debt was CLOSED XXXX DUE since XXXX. NEW REZ LLC has made up false debt that is to take over XXXX XXXX with false statements of FAKE FALSE IRS FORMS now using my identity claiming I owe when no legal rights exist. There is no In Rem and No Rights this violates CA Marketable Record Title Act Civil Code 880.020-882.040 and no preservation of any interest recorded. More than Ten years, More than 15 years since last Due recorded ascertainable. I am harassed by fake debt by Attorney 's hired to AID in GRAND THEFT.
Consumer complaint received 2020-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CT)

I would like to lodge a complaint against a VA Mortgage lender. I have been dealing with one such lender since I applied in XX/XX/XXXX to refinance my current VA mortgage. I have had a VA funded mortgage for years originally with the XXXX XXXX XXXX, then with XXXX XXXX and currently with XXXX XXXX XXXX XXXX. My application to Freedom Mortgage Loan # XXXX was to re-finance at todays much lower rates. This should have been a pro forma refinance mortgage application as nothing has changed since our last mortgage. I was told to expect to close on my new mortgage on XXXX, XXXX. Since then I have been bounced around between them and their title company XXXX XXXX XXXX XXXX. The latter has unearthed an what they claim is an outstanding lien from the year XXXX with XXXX XXXX. That bank no longer exists nor does the lien. I have sent them a copy of the lien release but to no affect. 

Most recently Freedom Mortgage had informed me that it will now take between 30 and 60 days for XXXX XXXX XXXX XXXX to clear the title to my home of 35 years. How long to process the mortgage beyond that they wont specify. My home that has already been passed through three lending institutions since the date of this bogus XXXX lien. Im helpless to anything more than produce a lien release since XXXX not longer exists. 

This has caused my wife and I more than an inconvenience, we have been made to pay thousands of dollars in unnecessary interest payments while we have been shuffled around between various members of their ineffectual staff with no end in sight.
Consumer complaint received 2020-12-29
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. (MA)

I was a victim of identity theft. I reached out to experian who with documents and a few phone calls removed the fraudulent account from my report. About a month ago. I noticed that the account popped up again. I uploaded that they had resolved this in my favor & removed from my account. 
I have never had an account with this company. When I reached out. They even said they would cease. 
This is affecting my credit score & history.

If the account has once been removed. It should stay off my account.
Consumer complaint received 2020-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (AL)

Due to the pandemic, I have been making budgets to ensure on-time payments for my bills. On XX/XX/2020 @ approx. XXXX XXXX, after reviewing my Personify Financial bill, I contacted the company. I was disturbed because when I reviewed my statement on line, I discovered that after 12 months of paying this bill, I still owed more than I borrowed. 
I thought it was a mistake so I contacted Personify Financial at XXXX XXXX XXXX XXXX. My account number is : XXXX. I have attached my Loan Details page, Payment History Page ( 2 pgs. ), and Original Amortization Schedule. ( 4 pgs. ) I was informed by a young man with an accent that the call was being recorded ; so I'm sure they will have a record of the call that was made. I inquired about why the loan was still reflecting more than I borrowed, he responded that my interest rate was 99.5 %. Of course I was shocked, I accept this error because I did not know until today. I then informed him that according to the loan details the int. rate was 97.47 % ( still borderline XXXX  ) He then informed me that int. rates were reduced based on payment history. I asked him who I could talk with to have the int. rate reduced, he told me that my contract would not allow the int. rate to be reduced, after previously telling me there was a way to have the interest reduced. When I inquired again for an explanation as to who to contact to negotiate a reduction in the interest rate, our call was disconnected. Please be advised, my account is in excellent standing, no missed payments and I have no intention of missing payments. This ( not knowing the interest rate ) is a big mistake I made, not paying attention to detail. If possible, can CFBP inquire on how I would negotiate with the company for my interest rate to be reduced. If this is not possible, I would also like for others to know to please read the terms of online loans especially with Personify Financial ; before agreeing to them. When signing for this loan, I did not realize the interest rates were almost criminal extortion or I would not have taken the loan. Thank you for your time and consideration.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NV)

The credit card issuer is Citi bank. I have never used the card at all, not even once. All of the transactions were fraudulent. On XX/XX/XXXX I asked to dispute all transactions and to close the card and be sent a replacement. The new card was also compromised with fraudulent transactions. On XX/XX/XXXX, due to the fraud risk, I asked to dispute a new {$15.00} transaction and to permanently close the account as I do not want it any more due to fraud risk. I spoke with an agent named XXXX who agreed to permanently close the account. Today, XX/XX/XXXX, I called again to confirm the {$15.00} transaction had been removed as fraud and spoke with XXXX who was the supervisor. Not only did XXXX not dispute the transaction as fraud, but he also never permanently closed the account. Instead, he only sent me another card which I do not want.
Consumer complaint received 2020-12-29
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. (IL)

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX  data breach and someone may have gotten my information.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (OR)

We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one approved me for a credit line XXXX on new credit card. I already have 2 other cards with them with XXXX and regular card. I have sent them my photo twice, my SSN card, TWO BANK STATEMENTS WITH MY CURRENT ADDRESS a statement with my mother 's information since she listed as authorized user AND THEY ARE ABLE TO REACH ME OMN MY PHN WITH THE # ON FILE WITH THE CARD and THEY STILL HAVE THIS ACCT RESTRICTED AS POTENTIAL FRAUD AND ITS BEEN WEEKS
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

When viewing my bank account statement with Chase Bank I noticed multiple transactions of deductions from an unknown XXXX XXXX account from another state in the amount of {$4900.00}. I do not have a XXXX XXXX account. The perpetrater was able to transfer the funds between my savings to checking account. I filed a claim with Chase and the funds were originially refunded back to my account and a fruad investigation was started. Upon investigation, Chase then reversed the transactions and they told me I had approved these transactions via email which I have no record of and they refused to provide me with any copies. This has caused a tremendous hardship on me. I was no longer able to access my account while under investigation. The XXXX XXXX transactions left my checking account at a negative balance. Meanwhile my paycheck was deposited into this account and I could not access this to pay my bills.
Consumer complaint received 2021-12-17
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: American Credit Acceptance, LLC (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

I refinanced my car loan the car loan was paired off on XX/XX/2020. I still have not received my title. Called the computer and was told it was sent called back the next day and was told it will be sent out on 10 days 49 days later still no title.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IN)

Discovered demanded copies of my tax returns government IDs and passports, XXXX months of bank statements, notarized in order for me to use my card on XX/XX/XXXX. They stated that if I do not comply in 14 days, my account will be permanently closed. 
I was not requesting an increase that warranted a freeze on my account. 
I received a letter XX/XX/XXXX telling me that my card had not been used for the last 14 consecutive months and if it was not used in the next four months, it will be closed. 
With that being said, I cant use a card that they put a hold on because I refuse to give them access to my personal information that they did not need because I wasnt requesting anything from them other than to refund all purchases made. They left this card opened in order to continue to charge unwarranted fees, this is very deceptive so its either closed in XXXX which meant it shouldve been closed XX/XX/XXXX and apparently it was not as discover had sent me notification
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-01
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: PENTAGON FEDERAL CREDIT UNION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (CA)

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX/XXXX/XXXX/XXXX  XXXX XXXX/XXXX XXXX AND XXXX/XXXX. Please remove these accounts from my credit.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

on XX/XX/XXXX i have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX XXXX, XXXX to account of XXXX XXXX opened with XXXX XXXX XXXX with value date XX/XX/XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. 
On XX/XX/XXXX XXXX was designated under the Executive Order 14024.Considering this<my payment was blocked by intermediary bank. 
On XX/XX/XXXX i applied to OFAC for a license to unblock my funds. 
On XX/XX/XXXX i have received license XXXX authorising J.P.MORGAN CHASE Bank to process the transfer in accordance with original payment instructions on XX/XX/XXXX i tried to contact J.P.Morgan Chase Bank via XXXX from XXXX informing them on the fact of the a.m. license and asking them to process the payment. 
Still, JP Morgan Chase has not responded. Thus, my son XXXX XXXX can not receive money even having license authorizing it
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (DC)

1. Complaint target makes it difficult for consumers to obtain a copy of their report. 

XXXX XXXX XXXX XXXX issued a denial based upon the information provided by the complaint target. It is possible that the complaint target compiled information on the consumer that contained inaccuracies, leading to the denial.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

PORTFOLIO RECOVERY XXXX {$420.00} past due on a collection account FCRA violation THIS ACCOUNT WAS DISPUTED A NUMBER OF TIMES AND STILL SHOWS VERIFIED ON MY CREDIT REPORT
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I have a loan account with loan care XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX ). I have made all payments including escrows on time, however the company has not accounted for my escrow payment of {$690.00} made in the month of XX/XX/2019. They have sent me a short fall notice and increased the total payment this year. I have been trying to contact them but no one picks the phone and no response on multiple emails. I have had problems previously when they defaulted on my tax payments and I had to pay penalties on those. all my attempts to contact this company has been futile. I hope at CFPB there will be appropriate action taken against the company. 

Thanks, XXXX