davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

We have been trying for the longest to get Shellpoint to correct the incorrect balances and payments reported to the credit bureaus. In the attached you will see that our loan was Service Transferred to them on XX/XX/XXXX. At that time the loan had a balance of {$190000.00} - We had made 17 consecutive payments since that has the account showing no late payments. Yet the account is also showing in the payment history various higher balances that in no way could be related to our loan. Starting from a received balance of {$190000.00} to an transferred balance of {$180000.00} after the last payment on XX/XX/XXXX and before it Service transferred to another servicer.

It has been near impossible to get Shellpoint to correct the payment history, that also shows balances of {$190000.00} - {$190000.00} - {$190000.00} - and several balances of the {$190000.00} amount. These balances are impossible to understand from a starting balance of {$180000.00} to and ending balance when transferred, and there are none of the high balances on any of the monthly statements, yet they continue to report to the credit agencies balances that are not related to our loan. And they not reporting the actual payments amounts that are important to show that the loan has been paid correctly for the 17 consecutive payments that were made that we should be seeing reported to the credit agencies.
Consumer complaint received 2021-08-06
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)

fcra violations not mine : 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, TX XXXX Resident type Post office box accounts not mine : XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$10000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2021 I was a victim of a scam on my CITIBANK checking and savings accounts. Someone made unauthorized wire transfers from my checking and savings accounts. I got alerts from the CITIBANK of a new payee being added and wire transfers being sent to the individual. 

On XX/XX/2021 I attempted to call the number on the Citibank email alert immediately after getting the notice and no one ever answered my call. ( See call logs on attachments and email from Citi wanting my feedback from call ) I also responded to the email alerts that I didn't authorize a new payee or authorize the transfers. I was bounced around from one department to another and nothing was done. Finally one department took the call and placed a hold on my accounts to prevent any other transfers. They also said I should open new accounts. I was transferred to the new accounts department and that was it. A new savings and checking account were opened that day as a result of the call about fraud. ( XX/XX/2021 ) When I called back for an update I found out they hadn't even opened a ticket to start recovery or research. The Wire department didn't begin any actions until well into XXXX. This was all due to my calling in for an update. ( Email from Citibank showing I called in attachments ) Unauthorized Wire Transfer taken out of my account on XX/XX/2021 Checking Account {$320.00}, Savings {$700.00} and Savings {$360.00}. 

During this time they received 3 deposits ( Payroll and IRS ) and held the money even though the sources were from valid sources. 
Deposit dates : XX/XX/2021 XXXX Payroll {$100.00}, XX/XX/2021 {$100.00} XXXX, Payroll XX/XX/2021 {$250.00} IRS. 

XX/XX/2021. Today when I called I was told that there is nothing that can be done and that I need to start legal actions against the person who stole the money. They have not sent any letters advising case status or resolution. They have the name of the person who stole the money and had it transferred to his account but will not provide it to me start any legal actions. 

The only thing that was sent to me was {$100.00} that was transferred from the locked account and used to open a new checking account. They closed the account saying they needed additional information from me. 

It's now XX/XX/2021 almost 3 months later and nothing has been done or refunds made to me for the stolen money or the deposits. 

I have added proof of my calls on XX/XX/2021 to show that I called immediately to start my claim of fraud and to start the investigation. The bank delayed the research and recovery efforts by never even opening the case until XXXX. I shouldn't have to be penalized because of their lack of urgency or delayed response. 

I have been cursed out by employees from entry level all the way to management within the WIRE TRANSFER department. Placed on long holds and even hung up on after placed on hold. I have had this account for years so I am a long term customer.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I mailed a Qualified Written Request to Nationstar Mortgage LLC d/b/a Mr. Cooper ( AKA Mr. Cooper ). After waiting 3 weeks for an acknowledgement of the QWR, I called Mr. Cooper and spoke with XXXX  ( Texas Call Center ). 
She confirmed that they received my QWR on XX/XX/2021. XXXX said that they I would receive a response no later than XX/XX/2021. To this date, I have not received a response from my mortgage servicer concerning my QWR. 

With my mortgage account I setup payment alerts and notifications. On XX/XX/XXXX, I scheduled an electronic payment. I received three emails indicating that my payment was accepted and posted ( XXXX & XXXX ). I received no call or email notifying me of a problem with the payment. Despite the emails stating that the payment was accepted and posted, there was actually a problem with the electronic payment. 

I didn't discover this problem until XX/XX/XXXX, when I was making my XXXX payment. I talked to the a representative and understood the problem. I told the agent that I was immediately going to make the payment for XXXX. I explained to the agent the issue, and false notifications I received form Mr. Cooper. I asked the agent to waive the late fees and asked if the payment wouldn't be considered late because the only communication I received from Mr. Cooper was that the payment posted. The agent understood my issue and agreed that the payment would not be considered late as long as I made a payment. She told that the returned wire fees couldnt be removed. The response was acceptable, and I ended the calling believing that my XXXX payment was not marked a late payment. 

On XX/XX/XXXX, I contact Mr. Cooper and discovered that my XXXX payment was still considered 30+ days late. I talked with XXXX XXXX, and explained to the agent the situation. XXXX told me that Mr. Cooper would investigate and get back to me. I asked for a time frame, and she said she couldnt say, and that I would be notified once it was complete. To this date, I never received any additional response from Mr. Cooper regarding this matter.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTIONS at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Has been sending me collection notices in the amount of {$390.00}. I do not k now this company nor have I done business with this company also there is no contract with my signature for this " debt ''
Consumer complaint received 2021-08-11
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: Synerprise Consulting Services, Inc. (TX)

Synerprise Consulting Svs is in violation of my privacy rights under HIPPA Law. I have continuously asked Synerprise Consulting Sv to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten Into the hands of the wrong person.
Consumer complaint received 2021-08-06
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)

There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (SC)

The consumer attempted to extend themselves credit through BB & T. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to the application the consumer has endorsed this action. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ME)

My name is XXXX XXXX and I was a victim of Ocwen mortgage fraud and wanted to see if you still handled these cases? I see that Ocwen lost a case with 23 states on mortgage fraud, Case Number : XXXX Due to the housing crises and loss of job and being force to take a job at another company with far less pay, I was working on modifying my loan with Ocwen before 2013 to keep my home in XXXX, Florida. eventually, I actually left my wife and kids and was forced to move to another state to make enough money ( according to Ocwen ) to Modify my loan. I was told everything was moving forward, up until the last week before foreclosure, when Ocwen stopped taking or returning my calls and emails and let my house go into foreclosure. I found out later that Ocwen told the court that they offered to modify my loan and that we refused, this never happened
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (UNITED STATES MINOR OUTLYING ISLANDS)

All of the accounts on the attached file are from XX/XX/2015and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 at approximately XXXX XXXX, I made a deposit of {$2800.00} Into the capital one atm at XXXX XXXX XXXX ny. After the deposit, the atm showed that I only deposited {$2300.00}, even though I deposited {$2800.00}. I called capital, the next day to fix the error and they grated me the credit for the remainder but then a few days they took it back. Please assist me with this matter because their atm made an error and I want them to fully reinvestigate the matter so I can get my missing money.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have been having issues with security checks. It keeps saying my number isnt supported for weeks now. When I called support today, the lady 's agent said she had removed the security check of my account and tried again in 48 hours, but I am still having issues. Would you please fix my issues
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (AZ)

My Chime Credit Builder Card was stolen and used in another state from where I live. There were many unauthorized charges made during the dates of XX/XX/2021 to XX/XX/2021, during these dates I was admitted in the hospital and had no knowledge that my card was being used until I got out of the hospital. I called the company right away on XX/XX/2021 which was about 24 hours after the last unauthorized charge was made. They did an investigation and said that they found no errors occurred. I provided them with the FTC identity theft report I filed, the police report I filed and proof from the hospital that I was admitted ( in Arizona ) during the dates the card was used in Nevada. The police have even made an arrest of the person who used my card and the bank still will not reverse the charges.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX added a false debt claim to my personal credit report. I filed a complaint with both XXXX XXXX and Transunion where I asked XXXX XXXX  to provide proof of debt application with XXXX XXXX XXXX and signed loan documents with XXXX XXXX XXXX and proof of debt assignment to support their false claim. XXXX XXXX has never provided such proof and it has been more than 30 days. 

The law requires that in absence of proving legal proof of debt owed with debt application and signed debt agreement from the original lender and proof of assignment from the original lender to the current debt collector, the collection claim must be abandoned by the debt collector and the collection must be removed by the Credit Agency.
Consumer complaint received 2021-08-11
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: Porania, LLC (OR)

I have these accounts that are not mine and i want them to be removed from my credit report. 

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

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

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

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

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

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

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

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

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

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

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

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

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

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : 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 XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

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

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DC)

On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX  XXXX. I was seen at the XXXX XXXX  XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX  XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX  who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX  on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!
Consumer complaint received 2021-08-11
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. (MO)

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.