davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

In XX/XX/2019, we had closed on a new mortgage for our property in XXXX XXXX, MA. The closing went fine and the initial mortgage was set up properly with the broker that we had used - XXXX XXXX in XXXX, MA. 

XXXX sold the mortgage to NewRez LLC shortly after the mortgage closed. The mortgage was transferred over and we got all of the new account information. And we continued to make our monthly payments on-time. 

On XX/XX/XXXX, I got a call from the Town of XXXX informing me that my property tax had not been paid and was past due on XX/XX/XXXX. 

Upon doing some research, I discovered that NewRez had the property address incorrect on the mortgage account. Instead of correctly noting - XXXX XXXX XXXX, XXXX XXXX, MA they had my primary residence listed - XXXX XXXX XXXX, XXXX, MA. This error in the NewRez system created a number of problems for me : 1. NewRez did not pay the property taxes out of the funded escrow account 2. NewRez had sent out 1098 tax forms with the incorrect property address listed 3. NewRez had contacted XXXX XXXX insurance to change my homeowners insurance with the incorrect mortgage accounts. 

I have called NewRez a number of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to make them aware of their error and work to get everything corrected. To date the only change they have made is to list the correct property address on the account. 
I am still waiting for them to : 1. Pay my property taxes ( now 22 days late ) 2. Send me corrected 1098 forms so I can file my taxes 3. Have a supervisor call me to inform me why this problem occurred in the first place. I have asked for a callback now 3 times and each time am promised that I will get a call within 24-48 hours with no response Throughout the process of trying to get them to correct their system errors, I have spent hours of my own time, I have been routed to the wrong agent multiple times, I have been been given incorrect information, and I still have not received a call from a supervisor. 

Please help to get NewRez to do their job and service my loan correctly.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates continues to break the law and violate consumer 's rights. They refused to send requested documentation that would allow XXXX XXXX to verify the validity of the alleged debts furnished to credit files. Portfolio Recovery Associates willingly and intentionally continues to engage in intimidation, deception, and illegal debt collection tactics. They have made representations about unsubstantiated debts and misrepresented conducting sufficient investigations furnishing inaccurate information to XXXX. In retaliation for attempting to validate the alleged debts furnished, Portfolio Recovery Associates changed the date of last activity to XX/XX/23. This looks deceptive and suspicious. This attempt to misrepresent this alleged debt is to intimidate and harass consumer and violate the cease and desist direct and indirect communication demand. They purposely furnished this erroneous and false derogatory information to injure the consumer.
Consumer complaint received 2021-06-15
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: PNC Bank N.A. (GA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

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

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

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

4. Identity Theft PNC BANK, N.A.

Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-01
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. (SC)

I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX XXXX XXXX XXXXXXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX XXXX field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I asked Wells Fargo to add an authorized user to my credit card a few months ago. Without explaining to me this would be creating a new credit card account, they gave me a new credit card for my employee to use. As of yesterday XX/XX/2022, my employee informed me her credit card was no longer working. I called Wells Fargo on XX/XX/2022, and I was informed it is because her card has not been paid off. I was under the assumption that she was sharing my credit line and has been paying my own card. Wells Fargo opened a new credit card account under my business name without the proper disclosure.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.
Consumer complaint received 2023-01-09
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2019 - XXXX XXXX XXXX ( XXXX NY ) / LVNV Funding LLC issued a debt collection notice for {$180.00} related to an original creditor of XXXX XXXX XXXX LVNC purchased the so called debt from XXXX XXXX . On XX/XX/2019, I notified XXXX/LVNV that this debt was NOT mine. In fact, the debt collection agency does not even have the correct spelling of my name on their records. 
XX/XX/2019 - XXXX XXXX XXXX evidently ignored my first communication that the receivable they purchased was NOT associated with me and that I have no obligations or liabilities regarding XXXX XXXX XXXX inasmuch as I have not transacted any business with XXXX XXXX. My second notification letter was delivered via Certified Mail with return receipt. 
XX/XX/2019 - Received another collection notice on the same issue from Resurgent Capital Services ( XXXX MI and XXXX SC ) for the same amount. I sent another notification letter via Certified Mail with return receipt affirming that the person they were seeking was NOT me. They continue to have an incorrect spelling for my name which likely indicates someone has 'high jacked ' my name and spelled it incorrectly in the process. 
XX/XX/2019 - Resurgent Capital Services responded with a letter stating that the information supplied was " insufficient '' regarding " identity theft '' as the basis for disavowing that claim. The included an '' Identity Theft Affidavit '' questionnaire for my completion that asked for ALL of my personal information such as DOB, SocSec #, Drivers License #, address, telephone # s. I am uncomfortable providing this sensitive deal information to any one, especially a rouge debt collection agency. 
XX/XX/2019 - Resurgent Capital Services issued another letter suggesting that they have received " duplicate correspondence '' on this dispute. The letter also said " we will not continue to respond to duplicative requests without additional information. ''
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am begging for help with TransUnion they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. Each time I contact CFPB Transunion responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.
Consumer complaint received 2021-12-02
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. (MD)

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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX UNIVERSITY XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC (FL)

On XX/XX/XXXX I was contacted by Allegiance Accounting Services about a debt " they say I owed from XXXX '' I told them to not call me and send everything in writing. The rep was very rude and stated she was going to send I recommendation over to the attorney to have my wages garnished and that if I did not pay XXXX dollars by the end of business day on XX/XX/XXXX I would be sued the agent 's name was ( XXXX XXXX this call was around XXXX EST. I also asked for in writing a copy of this debt any information they may have to prove the debt belongs to me, This includes but not limited to bank statements signed contracts between myself and the company. By the end of the call I asked the rep to DNC me and she stated they would call me everyday until I went to court.
Consumer complaint received 2016-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.
Consumer complaint received 2021-12-02
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. (MI)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion as not updated my XXXX XXXX  credit card balance ending in XXXX and XXXX XXXX balance must be updated
Consumer complaint received 2018-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

Attached are scanned copies of the five Zero Coupon Certificates which my father bought years ago for my daughter 's college education. He died before he gave them to me. After Mom died, I found them in a box of Dad 's stuff. Neither Mom nor I knew that he had these. For the past three years I have been trying to cash them. But no one at Wells Fargo will honor them. According to several former employees of XXXX XXXX XXXX  ( which Wells Fargo bought out ) these are checks and records were not kept on their sale. I was told that there is no way anyone could have gotten the money because the original checks were required to cash these in. I realize that in the early XX/XX/XXXXXXXX XXXX someone at Wells Fargo might have known what these are. But now no one seems to remember Zero Coupon Certificates. The five Certificates total {$30000.00}. In XX/XX/XXXX my father purchased one Zero Coupon Certificate in the amount of {$5000.00}. in my name as custodian for my daughter. The funds were to mature on XX/XX/XXXX.In XX/XX/XXXX my father purchased four more Zero Coupon Certificates in my name as custodian. One coupon was to mature each year for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The plan was to provide college money of {$7500.00} per year. Grand total of {$30000.00}. My father died XXXX XX/XX/XXXX, without telling the family about these Zero Coupon Certificates.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ DATA INT'L INC # XXXX****IQ Data International Failure to Validate Disputed Debt ... XXXX consumer iq-data-international-fail ... 
XX/XX/2017 - According to the complaint, IQ Data has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (MT)

I am getting repeated phone calls by Jefferson Capital. Jefferson Capital is masking their phone number to reflect an area code in " XXXX Florida '' where I'm from and have family & friends residing. Jefferson Capital is not located in Florida and they are masking their phone number with the hope of me or any 3rd party being tricked in answering the call. Furthermore, Jefferson Capital is calling 3rd parties in trying to contact me. Both tactics I just described confirms the knowingly & willingly act by Jefferson Capital violating my rights under the FDCRA & FCC.

I previously sent Jefferson Capital a letter requesting for them to inform me in writing of what alleged debt they are trying to collect because I am unaware of any outstanding debt that I owe to any creditor. I also requested that if they are making any allegation of any outstanding debt that they are trying to collect to please provide me " validation of the debt '' & as of today 's date, they haven't provided me no validation of debt & continue to call me and 3rd parties. 

In closing, I am requesting that Jefferson Capital cease from calling me and any 3rd party. Furthermore, I will be filing a small claims lawsuit no later than XX/XX/2020, & today will be my only attempt to try and resolve this matter informally with Jefferson Capital before I file a lawsuit in small claims court. My lawsuit will be regarding the knowingly & willingly action ( s ) of Jefferson Capital violating my rights granted to me by the FDCRA & FCC. My lawsuit will be for {$2000.00} & the only communication I authorize Jefferson Capital to have with me is in writing & informing me if they agree to settle this matter informally. 

The following are some of the phone numbers Jefferson Financial are masking ; XXXX & XXXX The following is only 1 example of Jefferson Capital trying to communicate with a 3rd party in their attempt in trying to contact me ; XX/XX/2020 using the masked phone number XXXX at exactly XXXX XXXX.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC (CT)

I selected a mortgage provider on Bankrate.com. One of the reasons I did so was because Bankrate.com offered a {$500.00} ( giftcard ) incentive that I was to be eligible to receive upon closure of the mortgage. 

The mortagage closed in XXXX, and I applied for the incentive. I received an email on XX/XX/XXXX indicating that my request had been received and that I should receive the card within 6-10 weeks. On XX/XX/XXXX I contacted Bankrate.com customer service and inquired as to why I had yet to receive the card. 

A representative called XXXX XXXX wrote me back that ( via email ) that " my request is still in process. '' As of today ( XX/XX/XXXX ). I have not received my the card and have not been offered an explanation. 

Recently, I wrote customer sevice again and have not rceived a response or explanation. I think that Bankrate offered this incentive in bad faith, with no intention of making good on it.