davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage Lender Shell point Mortgage Servicing fail to pay the property taxes second Installment on XX/XX/XXXX. ( escrow account ) they said sent a check for XXXX to XXXX XXXX treasurer XXXX XXXX on XX/XX/XXXX, as a right now they don't respond where is the Money. the house is in Delinquent status, I am calling every day and no one seems to be doing anything to resolve this issue. I need you guys to help me with this situation. I sent this letter below under RESPA To Whom It May Concern : This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 



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I am writing because : After researching Property Index Number ( PIN ) XXXX, our records indicate that payment has not yet been received for the Tax Year XXXX Second Installment.We required that you pay our property taxes second installment AS SOON IS POSSIBLE as well the interest what does been accrued. 
I spoke with XXXX the scrow supervisor on XXXX, he said is working trying to reach the XXXX XXXX treasurer to figure out where the wire money was applied. 
We have been calling every other day and nobody seems to be doing anything to resolve the issue. 
My contact information is : I understand that under Section 6 of " RESPA '' you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. 
Sincerely, XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (NJ)

RECEIVABLE MGMT GROUP ( XXXX XXXX XXXX ) {$330.00}. i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Consumer complaint received 2023-06-24
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)

I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt XXXX is using stall tactics by saying it isn't me but I provided proof that it was XXXX and Experian has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED
Consumer complaint received 2021-10-07
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. (GA)

Ive communicated fraud to credit reporting agencies and provided proper evidence to refute negative marks. All 3 reporting agencies verified inaccurate, fraud information which has cost me my credit reputation and hard costs of inaccessibility to credit. 

There must be a better method to protect citizens who have be the victims of fraud. Creditors paid to provide negative information on consumers can not be partial. This is a violation of consumer protection rights. And, these bureaus and their furnishers must be held accountable for reporting inaccurate fraudulent activities.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/2022, I reported a fraud claim on my daughters Campus Checking for unauthorized debit card transactions, fraudulent checks were deposited into her account ( the checks arent made payable in my daughters name ), unauthorized member transfer to another bank. As of today I am still dealing with this issue with Navy. They denied the original claim. I filed 2 different appeals and those were denied as well. Ive called and spoken to customer service with no help. Spoke to a manager and he informed me that because the checks were deposited into my daughters account and now they have been returned for NSF that she is responsible for the fraudulent checks because the bank has to recoup there money. He also stated your daughter should have kept up with her account thats her responsibility to make sure her account is not hacked. I told them the checks shouldnt have been allowed to be deposited because they are not payable to her. He states are we suppose to check who the check is made out to, we dont check that on mobile deposits. I asked to speak to his manager, he stated he is the last person I could speak to. I asked for the name of his manager and a email address or phone number to contact them, he was combative and refused. I asked him are you refusing to give me the information Im requesting? He told me to hold on and transferred me to a automated survey. My daughter did not receive any of those funds that were made in her account. One of the checks returned thats not in her name and bc Im the co-owner they took XXXX out of my account, putting me in a financial bind. I called concerning that issue and was told bc the check was returned and even though we have filed fraud claims I was responsible for paying the money. Now a second check has returned and Im getting the same response. This bank is holding there consumers responsible for their account being hacked, fraud and unauthorized transactions. Im still trying to get this matter resolved. I filed a complaint with XXXX and XXXX responded back stating that my daughter and I are still responsible for paying the fraudulent checks that someone deposited into her account because it was hacked. I have filed complaints with XXXX and XXXX. XXXX instructed me that they forwarded my complaint to your office.
Consumer complaint received 2023-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

My student loans were consolidated under the company XXXX and I submitted a completed application for PSLF with qualifying payments. The customer service rep at XXXX XXXX assured me payment counts just needed to be updated and I would actually be receiving a refund for overpayment. THENmy loans were transferred to MOHELA. I resubmitted the same paperwork for the PSLF waiver and have contacted them via email and phone. My payment counts moved a bit, but not nearly what I have paid. Ive been a XXXX for 20 years at the SAME place of employment. Employee is verified. I feel that MOHELA is overwhelmed and they are not really looking at my history. The payments are to resume in XXXX and I should be waived for overpayment. Im struggling with how yo proceed. Please help a desperate XXXX
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CT)

For over one year Discover has claimed I owe them money for charges I never made. They have continued to harm my credit report, after telling me they made numerous errors in dealing with my fiances. I owe discover nothing and when I get the time as now I can not even get a place to live because of discover, I will make it very clear that they intentionally harmed me. XXXX, XXXX and XXXX continue to put fraudulent information on my credit file reported to them by Discover. Today is XX/XX/2023 and the issue after one year has still not been fixed as Discover promised and apologized for their computer error dozens of times.
Consumer complaint received 2023-01-15
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX xxxxxx Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : us dep of ed/XXXXi # XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurate. Its reporting that the bankruptcy court as the furnisher and thats false, inaccurate, forgery and misleading when the courts dont report this type of account to the credit bureaus. I called and I attached my letter from the courts and it states that they dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that.Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. TRANSUNION IS BREAKING THE LAW AND COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). According to 15 U.S. Code 1681s2 this is my 4th dispute and the furnisher which is the Bankruptcy court never reached out to me because clearly, they dont report it and I called to dispute it with them and they say its nothing to dispute because they dont deal with the credit reporting agencies. So you continue with all those lies you guys continue to tell so how can you say something is accurate when you cant directly communicate with the source which is the Bankruptcy Courts.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my crediXXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

Dear Amsher Collections, I am writing this letter to express my dissatisfaction with your services. On XX/XX/2023, I received a notice of debt from your company. However, on XX/XX/2023, I sent a dispute regarding the debt, to which you responded but failed to provide the requested information. 

Despite my request, Amsher added tradelines on or about XX/XX/2023, stating that I owed the disputed debt and dismissed my FCRA rights. On XX/XX/2023, Amsher sent a statement but none of the the other documentation requested. Please note Amsher sent the documents after posting to my credit report, which is inconsistent with FCRA. Letter from Amsher dated XX/XX/2023, has been attached. 

As a XXXX citizen, this has caused me a great deal of stress. I have attempted to communicate with Amsher several times to have my FCRA rights recognized, but to no avail. I have included communications with XXXX XXXX, Client Service Manager. 
Amsher emailed information from XXXX, but as I originally stated, I do not owe the debt. Amsher 's actions have completely disregarded my rights and I am now seeking help from the Cfpb. I hope you will take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Neiman Marcus is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

INFORMATION ON MY BANK : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX  : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX  XXXX Auto-pay glitch that I had no control over. This one missed XXXX payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED XXXX XXXX XXXXXXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

On XX/XX/21, around XXXX, I withdrew {$1000.00} cash from the US Bank XXXX XXXX XXXX XXXX XXXX MN ) from my US Bank Relia Card Account. I have to do this because the XXXX XXXX online bank transfer function is down. I then deposited {$900.00} cash into my US Bank personal checking account at XXXX. The ATM machine accepted my {$900.00}, all {$20.00} bills it had just dispensed to me ( I put {$100.00} in my wallet ). It then dispensed a " receipt '' stating a machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I called that number several times from two separate phones. It would ring, then say this call can not be completed as dialed. I called the US Bank 24 hour customer service line and received the same message. I called the next morning and was speaking to a representative. I asked to be transferred to a supervisor, and she hung up on me. I physically went to the bank, and the bank manager, XXXX XXXX, who I could see eating a XXXX sandwich through the glass office door, had her teller inform me she did not have time to deal with it. She did not even have the courtesy to open her sliding door or speak to me, despite the stress caused from having {$900.00} taken from US Bank. I went to her office and told her I was unable to get through the prior night on the phone, and her response was " I could get through right now. '' It was the worst banking moment I have ever had. As of now, I was neither returned the {$900.00}, nor was it credited to my account.
Consumer complaint received 2021-10-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MN)

I had no issues requesting 12 months covid hardship forbearance, plus an additional 3 month extension directly online with a click of a few buttons for my VA backed mortgage. 

I requested my final extension of my covid hardship forbearance on XX/XX/XXXX over the phone to Amerihome Mortgage, about a week before my current forbearance was due to expire. According to the VA I have the ability to request the second 3 month extension to my forbearance, and according to the VA XXXX, the servicer of the mortgage will aprove the forbearance. 

Now 2 weeks later, the mortgage company says they have to send a packet to me so I can prove I have a covid hardship, while technically without the approval, right now I am in default. From what I gather, they are not allowed to require documentation for my hardship and must approve if I request the additional forbearance.
Consumer complaint received 2021-10-07
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. (SC)

I sent a letter to Experian over 45 days ago stressing the fact about an account on my credit report, I have yet to hear receive any information regarding my dispute, it is also my understanding that if you have not gotten a response within the 30 day period the item on the account must be deleted, according to the FCRA, but it is also to my understanding they are allotted 15 extra days due to COVID-19, all I ask is, please respond or delete the account attached to my credit report. thank you.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is a collection from XXXX misreporting a balance to TransUnion and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.
Consumer complaint received 2021-10-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (LA)

On XX/XX/XXXX I have contacted ASTRA ADA RECOVERY in regards to an account in XXXX transferred and sold as a debt collection. I called to get fax number and was transferred back to the original furnisher of information SPEEDY CASH. I was sent to the survey automated system when placed on hold, I than called back to get account number and was told it was an attempt to collect a debt which is illegal to do so pursuant to 15 USC 1692b ( 2 ) ( 5 ).
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (CA)

This company is inaccurately reporting late payments to the credit bureaus. I was never late paying this account. This account was paid in full on time. I have tried to get this resolved with this company by telephone and the company response was that it will stop reporting this incorrect information but this has not been corrected. This is a common practice for this company.