davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

During the first shut down I kept getting letters from the mtg company that I was in covid relief. I kept my emails that told them NO I AM NOT because I am paying, and on time, I didn't need it. Then Covid shut down the world. I couldn't work my second job which I rely on. So several months later I called them back and said, can I get one month of assistance please, I am going to need it after all. They said we can give you 3. I was able to make payments immediately and notified them to take me off of forbearance / deferment. Then in XXXX of XXXX they send a man to my office at work with a stack of papers to sign, like 8 font. They said this is your refinance paperwork so we can roll the 3 months back into your loan. Your payments will go up. I said that's fine. I then had one month of a higher payment, and my payments went back to normal, I thought it was odd but didn't question it at the time. Now I moved to Florida and am selling the house. The title company said " What is this {$5200.00} 2nd mtg? '' I said what are you talking about. She shows me. I call Shellpoint! They said oh that was our program at the time, you should have read your paperwork, we filed a partial FHA claim and put a lien on your house for that amount. WHAAATTTT? First, why am I just now told of this. I KNOW there was NO mention of this at all, ever. I was told it would be rolled in and then my final payment date would change. I asked Shellpoint for copies of the transcripts of communication and a copy of what I signed. My house closes in 3 weeks. What do I do? I called a local lawyer here, she said it was loan modification fraud - that they filed wrong and that I would need a Texas Lawyer. I call one, they agreed and said {$2500.00} please. I'm a teacher, I don't have that kind of money. Help. please. And while I was getting the paperwork together for this complaint I found out they did not apply my payments to my loan!!!! omg!!! Now what do I do???? I am printing, documenting, comparing. It's nuts. They didn't apply my payments. Then XX/XX/XXXX is showing my payment and some other payment in payment history, but the statement doesn't reflect that and I have no idea what that other payment is. What do I do? I called them and they won't help. When I go to their site all messages have been deleted. My statements are no longer able to download. I am taking pictures. look on XXXX statement, I made a payment XX/XX/XXXX ... .statement doesn't show that. I actually sent it on XXXX, but they didn't apply until XXXX. That is my one and only " late '' payment the whole time.
Consumer complaint received 2023-01-20
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Systems, Inc. (OH) (OH)

On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a XXXXy works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.
Consumer complaint received 2021-12-23
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting 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 ( Original Creditor : 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 2019-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NM)

I had hail damage on my roof in XXXX NM in XXXX. The insurance company provided me checks for air conditioner replacement and for roof replacement. Flagstar Loss Draft department refuses to endorse the checks and forward me the insurance money so I can pay my contractors. I researched them on XXXX  and found they are doing this to tens of thousands of customers. I believe they are trying to keep insurance claim checks for themselves instead of endorsing and returning to their customers. I have had to contact them over 35 times and I get a different agent every time and a supervisor is never available. This appears to me to be way more than just incompetence and looks like a premeditated plan to keep insurance money. Consumers need protection from predatory practices and this looks like a prime example. It is now XXXX time and at this point I do not know how I am going to be able to get my insurance money back from them and pay my contractors.
Consumer complaint received 2021-12-23
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)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 2019-07-19
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. (FL)

XXXX XXXX XXXX  has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX  and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

My husband and I had our primary home mortgage through Citizens Bank with automatic payments including our escrow with taxes and home insurance. We refinanced on XX/XX/XXXX and the loan was paid off to Citizens. There was an extra monthly payment submitted in XXXX which has been returned to us since. 
The escrow money has not been returned to us. When we called Citizens they told us the amount is XXXX XXXX My husband called on XXXX and was told the check will be resent. Our address has not changed and the extra monthly payment did find its way to us at the address they have in the system. I called again on XXXX because we hadn't gotten the check and Citizens confirmed that the check hadn't been cashed. They promised to send it overnight. I called again on XX/XX/XXXX because we still haven't gotten the check or any other communication from Citizens and I was told I would be called by the end of the day once they figured out if the check was Fedex-ed to us. I was not called or emailed. 

Our loan number was XXXX. Meanwhile, we can't log on to the online portal because the loan has been paid off and the account deactivated. 

Please help us get our money back as it is a significant amount and it has been close to 3 months.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-12-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-23
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-23
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: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I went through a loan modification with US Bank in XX/XX/2019 and was specifically told my HOA arrears would be included and made up to date. Fast forward six months and I am now being foreclosed upon by my HOA for delinquent dues. I contacted US Bank and they didnt seem to care or provide any help. I asked for the audio recording of my conversation with their representatives and they told me to go get a subpoena. I'm danger of loosing my home and my HOA fees are tripled due to legal fees. US Bank is completely negligent with their erroneous information provided to me.
Consumer complaint received 2024-03-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-23
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IL)

Account was opened at both Chime ( yesterday XX/XX/21 ) and XXXX XXXX ( XX/XX/21 ) by someone using my email adress. I can not get through to Chime in anyway shape or form. I am a XXXX so I understand whats happening. So far nothing has appeared on my credit report or on check systems, however I have 3 other employees who've had simalar attempts at XXXX. ( how did they verify me? ). However Chime is sending supposedly a debit card to my son 's address. Clearly this is fraud. Put fraud alerts on my credit accounts. Please help
Consumer complaint received 2023-01-20
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. (CA)

that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (SC)

XXXX. I statrted a money transfer {$1900.00} or XXXX Pesos Colombiana with XXXX XXXX XXXX the XXXX XXXX XX/XX/2021, the transfer was to go to my futture step son XXXX XXXX XXXX. The monies were for XXXX XXXX XXXX needs to be paid in cash XXXX XXXX XXXX XXXX. The transfer ID with XXXX XXXX is XXXX XXXX XXXX as it is still being held up for unknown reasons. 
XXXX. When XXXX tried to retrieve the cash he was told in was being held up but no reasons were issued. 
XXXX. I reviewed the transfer and it suddenly and very unexpectedly on Hold with a 5 day suspension or cancellation policy XXXX. As of XXXX XXXX the money is still being high jaked and I want the funds returned to the accouunt which I statrted the process XXXX. I have called the number to attempt to release my money but the XXXX became very difacult XXXX. The agent asked me several questions the use of money? my passport number? and frankly more than really needed. The agent told he would have to call me back at my XXXX cell number on file, I explained that it was not in service while I was in XXXX XXXX. I am tring to get the money relesaed using my XXXX XXXX agent but at this point I feel the ongoing matter is out of hand, it has costs me time, money etc XXXX. All I want is my money back because I am unable to be varified via phone number not currently in service XXXX. I have open a XXXX account but again all attempts have been stone walled
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Transunion an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation XXXX business days ago. I have gave neither Transunion or any of these creditors permission to report on my behalf. Transunion has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.