davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicing continues to service the mortgage account in error. On XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$690.00}. The payment was sent to Shellpoint on XX/XX/2021, in the amount of {$840.00}. An overpayment of {$140.00}. What did Shellpoint do with this money? 

XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$1200.00}, adding fees, of {$150.00} and Past Unpaid Amount of {$260.00}, with no explanation. The regular payment amount is {$840.00}, I sent two payments to Shellpoint on XX/XX/2021, one for {$860.00} and the other for {$850.00}, accidentally. Total payment to Shellpoint for XX/XX/2021, for {$1700.00}. What is the explanation for the fees and past unpaid amounts totaling {$410.00}? 

For XX/XX/2021, the Shellpoint Mortgage Statement showed the amount due {$420.00}. It appeared Shellpoint credited both payments leaving a balance for the next month of {$420.00}. I sent a payment to Shellpoint on XX/XX/2021, for {$440.00}. An overpayment of {$19.00}. What did Shellpoint do with this overpayment money? 

As of XX/XX/2021, the Shellpoint Mortgage Statement shows the amount due of {$1200.00}. They state a past unpaid amount of {$420.00}, which is a loan servicing error. My bank records are clear and prove payments for each mortgage month were either paid in full or overpayment.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

XXXX  is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
XXXX  claims that the record is verified by LexisNexis. Please explain how this is so when you have removed this information.
Consumer complaint received 2021-06-28
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

on todays date I obtained a report from Chex Systems. I found multiple violations including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent!. I Am A CONSUMER FEDERALLY PROTECTED BY THESE LAWS AND IT IS ILLEGAL to report these to anybody without my consent
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have no idea why Bank of America is allowed to charge so many overdraft fees. I have 6this month and I barely have a lot of money, that many transactions or bills coming out. I have more fees than money in my bank account often.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all 3 credit bureaus show a 3 year history of late mortgage payments of 30,60, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all 3 bureaus without the issue being resolved.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

I am a victim of fraud. While checking my credit report, I noticed a collection of {$7600.00} from 12 NETCREDIT by XXXX XXXX. The account was open on XX/XX/2019. I never applied or received any loans or credit cards from NETCREDIT. This is the first time I become aware of this change. Never received any statements, letters or any other form of notifications from NETCREDIT concerning this fraudulent account.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OR)

The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later midland sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. Midland denied this and continued to report as not payed. So I disputed with a second crediting agency. Now midland is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TN)

a credit card was fraudulently opened in my name, through the XXXX XXXX XXXX XXXX through US Bank and the financial institution sent me a letter stating it was closed as fraudulent, but yet the account remains open and took me to collections when I have never opened an account, nor have I ever had that financial institution. They never call back when calling and getting voicemail. They say they never receive the police report that I have sent them 3 times.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Fraud on XXXX transfer of money. The crook spoofed the customer service number of XXXX XXXX XXXX on XXXX XX/XX/XXXX. He asked if I made a XXXX transfer on specific date, dollar amount and to who. I have never used XXXX on my accounts. He wanted to help stop and cancel the transfer. I said I would call XXXX myself. I hung up and called XXXX customer service and noticed that the caller had he same number of customer service. I left a message for XXXX fraud department. Shortly I received a call back, only it was the crook again. I trusted that this was indeed the bank. They led me through a service of cancellation number, which turned out to be a transfer of money from my checking account. XXXX has an excellent fraud detection department and tagged and paused the transfer to XXXX. The caller asked if I had XXXX on other accounts and I replied Wells Fargo. He had me log into this account and the same series of numbers, which he said were cancellation codes. I received a text from Wells Fargo that my account reached XXXX balance. I told this person, who I thought was XXXX XXXX XXXXXXXX. He then hung up. 
I immediately contacted XXXX. They were excellent and " failed '' the transfer. 
Wells Fargo opened a claim for the {$980.00} removed from my checking account illegally. 
They followed up with a series of 3 letters, the last one stating they closed my claim. 
I followed up with them on XX/XX/XXXX with a phone call. Wells Fargo did submit a request from the receiving financial institution to have the funds returned. This has not happened.
Consumer complaint received 2023-06-07
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. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-12
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. (AL)

Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: National Recoveries, Inc. (TN)

I contacted the collection agency that states that they have an extremely expensive amount of loans in my name. I am attaching the verification letters that I sent to them that appear on my credit reports. They sent back to me a loan application with my name on it for 2001, no other information. I informed them that they did not verify all the accounts that they had listed and that they should be removed from all three bureaus. I am asking or your help to enforce that this collection agency does not break the law on my behalf.
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I am writing to address a reported medical debt on my credit report, and I have encountered several issues in attempting to resolve it : Lack of Detailed Information : I have requested more information about the debt, such as an explanation of benefits or invoice details, but have not received a response.

Communication Challenges : I have been unable to reach a human representative through phone calls, and all contact attempts from CBHV have been automated or missed calls.

Address Discrepancy : The listed address on file does not align with my personal affairs and insurance information.

Payment Issue : I made a payment, but I did not receive confirmation or a reference number linking it to the reported debt.

I kindly request : Detailed debt information.

Direct communication with a human representative.

Verification and correction of address details.

Resolution and proper reporting of the debt to credit bureaus.

Your prompt attention to these matters is appreciated. 

Thank you,
Consumer complaint received 2021-06-27
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. (NY)

I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIN IS INACCURATE.
Consumer complaint received 2021-06-28
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I GOT A CARD WITH CAPITAL ONE IN XX/XX/2023. I DIDN'T USE IT TILL XX/XX/XXXX OF XXXX. I HAVE MADE TWO PAYMENT AND STILL IT WAS SHOWING LATE PAYMENT ON MY CREDIT. IT HAS COAST ME AN IMPORTANT JOB PROSPECT. I NEED THEIR NEGATIVE REPORT OFF MY CREDIT PLEASE AND THANK YOU. 

I WILL BE ATTACHING PAYMENT STATEMENTS, PLEASE FIND ATTACHED
Consumer complaint received 2021-03-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA (FL)

On XX/XX/XXXX, I recieved a debt collection letter from the Law Offices of Robert A. Schuerger. On XX/XX/XXXX I responded to that letter by certified mail asking for validation of debt under the Fair Collections and Debt Act. I got no response. Starting in XXXX, XXXX my credit report through XXXX showed a collection notice reported by the Law Offices of Robert A. Schuerger. This detrimental action is against the Fair Collections and Debt Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus. I made a complaint to the CFPB on XX/XX/XXXX. Company responded on XX/XX/XXXX saying they would rememdy the situation by sending out debt verification and moving the account to disputed. Neither of these happened. Instead my XXXX  challenge was changed from disputed to verified. On XX/XX/XXXX, I received a letter from Schuerger. It contained a one sentence response of " Enclosed, is the information you requested regarding the account listed above. ". The documents contained inside were my letter and a copy of the certified mail receipt. There were no documents germane to the account and the supposed debt, nor was there any attempt to validate the debt.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

Tried to initiate a state title transfer with Hyundai Motor Finance ( HMF ) - submitted multiple requests for 2 months. Called approx 20 times during a month ( average call time : 40-50 minutes ). 

First I was told that I can not upload the XXXX form myself ( which my insurance company emailed me ), and I have to get them to mail HMF, which I did twice. I also faxed HMF the XXXX form ( which was something a supervisor told me after I had made 11 calls in 2,3 weeks ), but they rejected it again.
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt I am emotionally distraught and outraged by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Card Acquisitions Group (TX)

Foster and Monroe, LLC bought an old debt from XXXX XXXX XXXX, on which the statute of limitations ran in XXXX. They then re-aged the debt and reported it as current. XXXX  said they " verified '' the account as accurate, but they did not take into account it was a re-aged debt, and no proof was provided to me that I owe the debt.