davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our home loan was sold to Shellpoint Mortgage Servicing ( New Rez ) in Fall XXXX. For several months Shellpoint serviced our loan before selling it to XXXX XXXX XXXX ( approx XX/XX/XXXX ). 
While Shellpoint was servicing our loan they were in control of and escrow account that was set up to pay property taxes and homeowner 's insurance. Not only were they in control of these funds from the prior servicing company, Shellpoint continued to collect money for the escrow account each month they serviced the loan. 
Although this was happening, Shellpoint was negligent in paying the first installment of property taxes due to our local county ( XXXX XXXX County, CA ). Because of this we received a noticed of delinquent taxes from the county and were made to pay a penalty of {$590.00}.

I have been in contact with Shellpoint on several instances since at least the beginning of XXXX to resolve this issue. At every turn two things have happened : First, someone on the phone unequivocally apologizes and say Yes, this was our fault and you should be reimbursed by us. They say they will have a supervisor follow up and/or they " transfer me '' to the the " proper department ''. 
Second, I get a letter or email stating that either : I should contact XXXX XXXX XXXX since Shellpoint no  longer services the loan or XXXX XXXX XXXX should reimburse me and then XXXX will charge Shellpoint. 

My issue is that we were made to pay {$590.00} out of our pockets more than two months ago because of negligence on the part of Shellpoint and they should be the ones to reimburse us. Five phone calls and bounced back emails or form letters are insufficient, as is passing the buck and asking a company that had no hand in, or obligation to pay, property taxes in XXXX on our behalf. 

This complaint is solely because of Shellpoint Mortgage Servicing. They were the negligent party that is responsible and did not fulfill their fiduciary duties on our behalf.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

My mortgage servicer, Amerihome Mortgage, still is not offering a forbearance package that complies with the CARES act. They are only offering short term forbearance where the total payment amount postponed comes due at the end of the forbearance period.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-02-24
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. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$380.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$430.00} U S DEPT OF EDXXXX XXXX Balance : {$3800.00} Bankruptcy chapter XXXX Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX 2020
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo approved a loan for me {$8500.00} on XX/XX/21. I paid this loan off in total on XXXX. Made me believe that i would get a partial refund. They reneged. I contacted the BBB about this. They got in contact with the above and received a response that they will not pay. If i had known that this would happen, i would have taken my time paying off this loan. I have proof to back up my claim. If a resolution is not forthcoming i will take it to a different level. What i mean by that is court, attorney etc.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CO)

Identity theft XX/XX/XXXX, perilous Hail storm XX/XX/XXXX, XXXX ( dumpsters winched from faucets. Hose credited, all homeowners insurance claims Underpaid, underpaid on wrong structure, and no personal injury but fell at XXXX XXXX XXXX XXXX Colorado in asking what the heck is that truck doing in my backyard? 

XXXX, non vet XXXX owner since XX/XX/XXXX. 

So when the police came XX/XX/XXXX in home office of XXXX ( incorporation date XX/XX/XXXX ) and primary home of XXXX XXXX XXXX onset date was XX/XX/XXXX. Many people f XXXX  ceo ( XXXX  ) XXXX  XXXX  lost many XXXX of goods and to {$600000.00}, but only in the California corporate Studio site. 

XXXX XXXX then, sold to Shellpoint on mandated homeowners insurance and appealed denialisms of this underwriter and agency. Even turned in to state regulatory agencies. Ignored. 
Foreclosure cured by not me and likely upset family once in bundlers renewal scam I allege, still. 

Identity theft and files from XXXX attached XXXX XXXX  and the homeowners post asset sale of another mortgage by XXXX/XXXX/shellpoint. 

Owed {>= $1,000,000} that day in XX/XX/XXXX.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I 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.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

COVID-19 ( temporary lack of income ) crisis problem!! - I called Bank of America twice since XX/XX/XXXX, about payment options moving forward the COVID crisis, I had read about payment help and I requested a 90 day " DEFERMENT '' but I was told BOA is only offering a " forbearance '' for my " type of Fannie Mae mortgage but that BOA can " defer '' their own mortgages? Say what? I am sorry with the crisis going on to be told that by major bank IS totally wrong and it is ABSURD and lopsided! Why are all others, plus Fannie Mae mortgages not also included to have a deferment option? People like myself will not be able to later on pay a " balloon payment '' of the 3 last months, the banks are expecting " forbearances '' to be paid back in full at the end of the 90 days period, and paying for the mortgage during the crisis with no income IS the SOLE reason WHY many are requesting a " deferment '' in the first place. There needs be a DEFERMENT offered to ALL types of mortgages and no matter who owns these loans. We would with logic expect the 90 day amount just be added onto the balance and tacked onto end of the loan, adding 90 days, which makes it a DEFERRED loan. Bank of America told me 2 stories differing from week to week and no one would state verbally they would not ask borrowers from having to make the balloon payment ( of past 90 days ) after forbearance ended.. No one would say it, when I directly asked it. I was told maybe, they are not sure. Who can operate under that kind of information which is adding even more financial stress to an already bad situation?! Bank of America will not and has not made any promises that after 90 days they would not expect the balloon payment AND that a " deferment '' that should be offered to all customers at least for for 90 days will not be given unless your mortgage is a BOA owned loan? People like myself are not to be taking gambles here just to find out down the road that the banks did not truly " help '' customers financially in this sad time in the USA.
Consumer complaint received 2020-04-09
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. (DC)

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.
Consumer complaint received 2020-04-09
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. (DC)

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX XXXX Form 1099-C ) with which I filed my XXXX tax return.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX charged this collection off and sold to XXXX XXXX. The account has been in full. XXXX XXXX has deleted this account with XXXX but not Equifax or XXXX. Im trying to buy a home and it has been over a year that this account should have been deleted. Remove this account immediately because its hurting my score with false information.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. Please remove the following items : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Hello, my name is XXXX and I was scammed majorly. I was first asked to contact Consumer Financial Protection Bureau ( CFPB ) which I did yesterday XX/XX/2020 and your department told me to contact the State of CT Department of Banking which I did XX/XX/2020, now they are telling me to contact you again. I need someones help to resolve this matter I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in health care and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive  at this time.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

There is a Hard Inquiry from Syncb/amazon occurring on XX/XX/2020, on my XXXX  credit report. However, I never authorized this hard inquiry and it lowered my credit score. Thus, I want this hard inquiry removed and I'm interested in collecting {$1000.00} under the FDCPA for unauthorized hard inquires resulting in a damaged credit score.
Consumer complaint received 2020-04-09
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. (FL)

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, Transunion is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Consumer complaint received 2020-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (IL)

Beginning XX/XX/2019 Blitt and Gaines began garnishments which have been taken from paycheck and they state I owe XXXX. I have reached out multiple times with no response, this debt is inaccurate and was removed from my credit report years ago as it was resolved and not mine, but my ex-wife. This has been extremely disappointing and I can not afford to have this being taken out of my check, but employer has to based on your garnishment order.