davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

Original mortgage was serviced by a different lender. Under our original lender, we were in a protected COVID Forbearance starting XX/XX/XXXX, with an end date of XX/XX/XXXX. We were fully up to date on payments with no delinquency before the forbearance. 

Attempted multiple times to set up a repayment plan with previous lender and were given incorrect information multiple times. A previous report was filed against them for this already and I have never received a response. 

While waiting for the repayment plan to be finalized, we were notified that original lender had sold our loan to ShellPoint Mortgage and it would be transferred on XX/XX/XXXX. Conveniently for them, one day AFTER the forbearance protection would end, with no repayment plan set up despite asking for several months to set one up. We were told by our previous lender that they could not do anything to set up repayment plan before the transfer, but that we would be protected for 60 days until ShellPoint could set it up with us.

Made several attempts to contact ShellPoint immediately after transfer in the first week of XX/XX/XXXX, and were told that the documents weren't there yet and needed more time. After much back and forth, we were finally able to set up a repayment plan. 

ShellPoint told us that we had to make 3 trial payments beginning in XXXX, and then the loan modification would be final. Told us that there would never be an delinquency reported as long as we made the payments.

We made all 3 trial payments on time, finalized the loan modification, and then began making regular payments on the new modified loan. 

Shortly after, we found out that they are reported us as delinquent to the credit bureaus. We have attempted to resolve this multiple times with ShellPoint directly. They apparently reviewed it and the deny any wrongdoing and continue to report us delinquent.

We have actual financial damages from this incorrect and illegal reporting. Our credit has taken a substantial hit and we are no longer eligible for credit that we should be eligible for. We are seeking that ShellPoint immediately rectify their credit reporting. We are also reporting this with all 3 credit bureaus. 

I am requesting an update from CFPB when this complaint is processed.
Consumer complaint received 2016-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TX)

I received a refund from the merchant XXXX  for XXXX. I contacted the merchants bank and it cleared as of yesterday. XXXX XXXX XXXX placed the credit back into my account but then charged my account a " Merchant Credit Hold for Review. '' in the exact amount of the credit that cleared. I feel this hold was unnecessary and causes me unjust finical strain. The transaction has been completed by the merchants bank and the hold is entirely XXXX XXXX XXXX. I feel I am due interest for each day XXXX XXXX withholds my XXXX of my balance from me. The hold on my account is for the exact amount of the credit.
Consumer complaint received 2023-02-07
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: W&A Intermediate Co., LLC (FL)

To whom this may concern.I would like to demand removal of these items. This issue has been infecting me. Im not able to get approved for anything.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NC)

Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!
Consumer complaint received 2024-04-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Vanilla Gift card was gifted to us on XXXX XX/XX/XXXX and purchsed on XXXX XXXX as well. When we tried to use the gift card of value XXXX $ in XX/XX/XXXX it said that balance is XXXX on vanilla gift card website, tried calling them no answer. Then create dispute case since this money was ours but scammesters used it. Vanilla gift card has poor securty hence its responsibility of company refund value XXXX XXXX I am new mother and this has been hassle, this money would have been really helpful for us. 

Requets to kindly help look into this matter. 

Thanks, XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (GA)

I paid DISCOVER. {$150.00} ( over the {$110.00} minimum ) on XX/XX/22. I had a {$61.00} available balance, then one day I looked and I was charged {$91.00} which left me with a - {$31.00} balance. The company repeated what was on the statement ( interest & fees on purchases ). I hadn't made any purchases the card stays frozen. I have an copy of the statement if you need to see it.
Consumer complaint received 2019-04-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: H&H Legal Support Services LLC (OK)

Received a 30 days notice from H & H legal support services attempting to collect a debt for a car repossession. I did speak with them and advised I would take the car back if possible since the collection was for the full amount of the original sale they got back with me saying the shady, dealer had already sold the car. I proceeded to still keep my arrangement and made the 1st payment to them. I am legally only supposed to pay the difference they sold it for and this agency should only be charging me the difference. I did not receive any other update or letter with the correct amount and when asked they said this was a new customer and they were not aware of certain things!? Good customer service is not there strong suit and apparently proper collection methods either. They are quick to collect and send letters and threaten small claims and garnishment of wages but do not even have the correct information to proceed to collect.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2022 I made a purchase online on the XXXX XXXX web site and booked two round trip tickets from XXXX to XXXX XXXX XXXX one for myself and one for my daughter in the Amount of XXXX each ticket totaling {$760.00} upon receiving my statement with charges Bank of America charged me a foreign transaction fee for each separate ticket in the amount of {$11.00} each totaling XXXX I was on an American website purchasing tickets for an emergency flight to see my XXXX father in XXXX I was not flying internationally nor was I purchasing anything from the XXXX and charges are invalid. I was told that Bank of America can not remove the fees. The system would not allow them to credit the monies back.
Consumer complaint received 2022-04-04
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (VA)

I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AL)

Due to losing my job during the pandemic, I have reached out to my mortgage servicer 3 times for help through loss mitigation. Prior to losing my job, I was never late with a mortgage payment. After finding employment at the end of XXXX, I experienced a decrease in my annual income so I reached out to my servicer for help. They closed my case twice due to my account being current. My mortgage was being paid thru a program called Hardest Hit Alabama. I applied for assistance when I was unemployed so my account was current until XX/XX/XXXX. I had to file bankruptcy in XXXX of XXXX BUT NOT ON MY MORTGAGE. IT WAS CURRENT. I only filed on my revolving debt in order to be able to afford my mortgage payments. Again in XX/XX/XXXX I reached out for help thru loss mitigation but my servicer closed my case due to my account being current. I was not able to make my mortgage payments when my assistance with HHA was up in XX/XX/XXXX. I reached out to my servicer again and have gotten the run around since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and I have had a 3rd loss mitigation application in for review since XX/XX/XXXX. As of today, XX/XX/XXXX, the status of my mortgage account says " active loss mitigation '' but an attorney has looks to have initiated foreclosure proceedings. My servicer has never once mentioned foreclosure to me and not once have they tried to contact me. I have contacted them many, many times for information and I am getting the run around. I have proof of everything written in this statement.
Consumer complaint received 2022-04-04
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. (NJ)

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 2022-04-04
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. (NJ)

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 2019-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I opened up a VA mortgage with XXXX XXXX XXXX on XXXX XX/XX/2019 for {$230000.00}. I made one payment to XXXX XXXXXXXX XXXX who then sold my mortgage to Nationstar Mortgage LLC, d/b/a Mr. Cooper. Mr. Cooper. I set up payments through my bank, XXXX XXXX XXXX  and sent {$1600.00} on XXXX XX/XX/2019. This was my second mortgage payment. This payment was returned on XXXX XX/XX/2019 without explanation. I began receiving calls from an unknown entity claiming to have my mortgage but as I had not heard anything from Mr. Cooper I was not willing to discuss financial matters over the phone without some record of who they were. On XXXX XX/XX/2019 I googled the phone that I had been given, XXXX XXXX XXXX XXXX, and determine that XXXX was the mortgage carrier associated with that number and when I accessed their " new customer '' portal the system associated my phone and email address with me. I requested that document pertaining to my loan be sent to my email address. The pop box indicated that the documentation would be sent within two days. Having not received the documents I contacted the company by chat and was told that my payment was due on XXXX XX/XX/2019 and that I would be reported to the credit bureaus if I didn't get payment in. They indicated that they had sent documents to the physical address but in that region there are no mail carriers only PO Box and so no documents arrived. No one told me what was going on. No told me who had my mortgage or how to make payments. To this day, XXXX XX/XX/2019, I could not make a payment on this mortgage because I have not yet been provided the information to do so. They are going to wreck my credit with late payment that was not my fault. This should be allowed to happen.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

On XX/XX/XXXX while banking with Chime I was the victim of fraud. A hacker posing to be with XXXX and claiming to fix my unauthorized charges. The hacker ended up withdrawing {$800.00} from my bank account through Chime. I immediately contacted a Woman from Chime Member Services to tell her what happened. She told me to fill out Customer Affidavit of Erroneous Transfer and fax it back to the claims department. I did so right away, I also included the phone number of the hacker as well as my account details showing where he took the money out put it back in and then removed the money. After a week I hadn't heard back from Chime so I contacted them through messaging through my bank app. I received a response that it was being reviewed and I would be contacted within 10 business days. On XX/XX/XXXX Chime closed my account without any further communication.I reached out to them by phone and my call went to a voice recording stating my phone number was associated with a closed account. I could not access my app. So I reached out this time through email asking why my account was suddenly closed 14 days after the fraud incident with no communication. Also on XX/XX/XXXX my only form of income my NYS unemployment payment had gone into my bank account a day earlier than the always Wednesday payment date. After my account was closed I immediately changed my form of deposit to another banking source. Unaware that my check had already been deposited into my now closed account, I gave NYS Unemployment the 5 days to make the change over. However this past week I received my current payment, and contacted NYS Unemployment who stated it was released on XX/XX/XXXX to the Chime account. I have received no answers from Chime about any of this, not the fraud, where any of my money is. Then lastly, today I was contacted by my internet provider stating that yesterday my payment to them of {$260.00} that I paid through my Chime checking account on XX/XX/XXXX to an agent over the phone was returned to them yesterday XX/XX/XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.The Contracts need to be thoroughly reinvestigated and deleted due to inaccurate and unfair deceptive card practices and incorrect information reported on my credit report.
Consumer complaint received 2018-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Equifax will not take my dispute. They have wrong information on my report and I have tried numerous times to have this issue resolved but I need a number of some type and I still can not access the account. There are two open accounts and seven hard inquiries to chase that I did not make. Two open accounts on other credit companies have been closed or deleted but I cant do this with Equifax. I just want to clear this up.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy CONVERGENT OUTSOURCING and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k.