davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (TX)

I received a letter fro m Fay Servicing with a foreclosure filing 2 days before the foreclosure case was granted and closed and the foreclosure was filed by a different mortgage company. Prior to the day of me receiving the letter I had not been contacted by or even heard of Fay Servicing.   XXXX   XXXX  , 2017 a letter was left at my residence on the door sweep, from someone from Fays Servicing, not via a delivery service such as US mail or anyone from a legal affiliate. Fay Servicing has reported a {$60000.00} balance for a mortgage on my credit report showing 90 days past due and has caused my credit score to severely decrease. The property that was into foreclosure balance was not even close to {$60000.00}. Please investigate this company for they have committed fraudulent activity.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
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)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these 3 credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these XXXX credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately XXXX days from today.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Higher Education Assistance Authority (TX)

I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Date Assigned XX/XX/2018 Account Number Open PORTFOLIO Recovery Original Amount Owed {$990.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2017-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.
Consumer complaint received 2019-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

I submitted my endorsed XXXX insurance check, via Priority Mail, on XX/XX/XXXX, for a XX/XX/XXXX follow-up damage claim from a XXXX insurance company required contractor 's failing work. The amount of the check was over $ 20k and the check and documents were submitted in accordance with HomePoint Financial 's ( mortgage company ) instructions. My endorsed check and documents were received by HomePoint on XX/XX/XXXX. 

However, all the documents needed by HomePoint 's Loss Draft department weren't communicated to me all at once, which further delayed the lengthy processing of issuing a check to my contractor to start extensive repair work. I made numerous attempts in the coming weeks to follow up, via phone ( they wouldn't respond to my secure emails within their website ), on the status of the check being sent to the contractor before I got all the information needed to submit the many pieces of documentation they required to issue a check for less than both the contractor and I requested. The funds were urgently needed to allow my contractor to order materials and schedule me for an extensive repair. 

Every time I talk to HomePoint Financial, they go through a mechanical checklist with me and treat me like a number they don't care about. Worse than that, their story changes every time I talk to them on the phone. Nobody owns the case or follows through with anything in a timely manner to keep the ball rolling. Last Thursday, the contractor and I had started reaching the end our rope and I requested the Loss Draft department send the check to the contractor by the end of the day. They claimed they would pass the message along to their processor. In reality, the check wasn't sent until Monday, XX/XX/XXXX via untraceable regular mail, which runs contrary to their own guidance to homeowners. So, despite my numerous attempts to follow up and speed up the process so I wouldn't get pushed further down on my contractor 's schedule due to his growing workload, they sent a fully endorsed check to the contractor via regular mail ( I sent it to them with my signature via Priority Mail with tracking per their instructions ). Now the check is missing and they advised me to send it via XXXX or XXXX, I would have to pay for it. 

The contractor informed me this morning that he can not hold his current opening ( I've already slipped once due to delays caused by HomePoint ) for me if they don't receive the check today. Although I requested half of the check amount per my contractor 's business policy, HomePoint will only send XXXX and mandates imposing a monitored and inspected process to meter out the next two payments of XXXX each. HomePoint will not issue the remaining funds unless they inspect the contractor 's work 2 more times. So, I have to miss work and make arrangements for the " inspector '' from HomePoint to come to my home.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.
Consumer complaint received 2020-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Armed Forces Loans of Nevada Inc. (NC)

I applied for a loan on Monday XXXX XXXX, started my allotment on XXXX XXXX. I called the company several times on Monday the XXXX and Tuesday the XXXX asking if there was anything else needed and they kept saying no. After several hours of no movement of my application I called back again on both days and then they would tell me something else is needed. The company fails to reach out to costumers basically not trying to help expediting the process. They constantly prolongs the process. This company had terrible reviews. Every review they have is bad and I didnt notice that until after I got involved with them. My loan was finally approved on Tuesday XXXX XXXX at around XXXX XXXX  EST on the online site. The status stated funded. I talked to a lady named XXXX who told me that the money has been released to your bank on Wednesday and I would need to wait 24-48 hours. Now I fast forward to XXXX XXXX Friday and I still have no money. I call and email and they tell me the same thing 24/48 hours and at the point Im past 72 hours. Today is Saturday XXXX XXXX and I still have no money. The company isnt replying to my emails when I call they give me the run around. They tell me what I wan na hear but they are doing nothing. My mother has been evicted because she cant pay her rent, shes XXXX and this loan was for me to help her. I needed the money by Friday the XXXX which was plenty time for the company to fund me but they have failed seriously. Ive contacted my personal back 3 times and they told me that there is no pending deposits from anywhere. My bank asked me to get a trace number for my loan. I asked armed forces for the trace number and they told me there was not a trace number. I think this company is scamming people. They owe me {$2200.00}. Please help me hold this installation accountable for the mistreatment of customers. It seems as if they dont care about peoples needs and they dont put a sense of urgency on anything. They just prolong the process and go home and dont contact anyone about anything furthermore, their office is closed all weekend so if u dont get anything during the week you are XXXX until Monday. In my case I never got any kind of answer about where my loan is and now Im left with no money for the entire weekend and there is nothing I can do about it. They are closed there is no after hours line, there is no emergency line or anything.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc. (CA)

Received a notification by mail from Interstate Recovery Service saying a debt has been assigned for magazines for {$940.00}. I do not owe this money. I sent a certified letter requesting proof of debt within 30 days of notice.. I did receive the return receipt. I also received another form letter identical to the first. No proof of debt mailed. I see online this is a scam company. Id like a complaint filed. I never have owed money to a company called XXXX XXXX.
Consumer complaint received 2024-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (DC)

These people sent me a letter offering a financial recovery loan or basically a personal loan to help consolidate debt. When i responded to the offer, they called me and had me on the phone for nearly an hour collecting personal information, he ran my credit report while i was on the phone with him and then he reviewed my credit report with me item by item only to put me on hold for XXXX minutes and then came back to say that he could not offer me a loan but he could offer me a " debt verification ''. When I asked what that is specifically and how it relates to the original offer that was made by them, he got shifty and hung up the phone.
Consumer complaint received 2019-03-01
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: DFC Global Corp. (FL)

it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. 
See attached letter.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Got a call from citizens bank representative on XX/XX/year> saying a check had been mailed that same day XX/XX/year> its now XX/XX/year> and I still dont have it. Not sure if they were telling the truth
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE sent me a new credit card offer yesterday ( XXXX XXXX ), stating I am pre-approved. Today ( XX/XX/2022 ) I decided to accept offer. As I went to apply and fulfill all information, they denied me. For the record, I have an excellent credit history, low debt ratios, good financial profile. My frustration is less about being denied, but more on WHY should they send an offer which they intend to deny? On top of this, running my credit ( hard check ) for an offer they sent yesterday, only to deny it today. Later this year I am planning to get a mortgage. As you may be informed, Credit checks do play a role in Credit Worthiness of an individual. I am beyond frustrated with this behavior from any bank, let alone it being among major big banks. Id be fine without a new card, however, THEY SENT the offer and THEY declined it. they are showing to be Irresponsible, Misleading and very Unprofessional. 

Here are the offer details : Reservation number : XXXX Your access code : XXXX E-mail received by them on XX/XX/2022 at XXXX.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (FL)

My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX.
Consumer complaint received 2019-10-24
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

A collection notice was received fr om Monterey Collections,  dated  XXXX  for the amount of {$500.00}. Notice indicated payment was to be received by  XXXX , the day the notice was received in the mail.   Called spoke to a lady named  XXXX   I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and  XXXX  did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied.   I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

All denials and discrepancies seem to be intentional and unethical. I was approved for a forbearance less than 4 months ago and no changes have occurred with my income to date, in addition my expenses have decreased.     When contacted by CHase  Executive Office I a m always assured that there are no findings on their internal audits.  <P/>   X/XX/2017 - Appe al submitted for denial and request for income calculations since occupancy is no longer an issue.      X/2017 - 3rd modification was denied for insufficient income.   XXXX  - 2nd modification was submitted and not processed until a complaint was filed with CFPB  X/XX/2017 - Mod  ification application approved for forbearance, then denied for an internal error that reflected an occupancy discrepancy.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

On  XXXX   XXXX ,  2017 , I was approved for a secured credit card with CitiBank. The card the was supposed to arrive on  XXXX   XXXX . The card did n't arrive. I called CitiBank to ask what was going on with my card. They told me to wait 10 days to see if the card arrives in that time. I waited the ten days, and the card did n't arrive. On  XXXX   XXXX , I called them again to see what was going on. They told me to wait until the end of the day, as the card  may  arrive during that time. The card did n't arrive. I called the next day and was told that they could n't send it to me because of security reasons. Getting frustrated, I called again that same day, and I was told to wait another 10 days for a replacement.   XXXX  I am tired  of CitiBank 's ina bility to get me my card on time, and that is why I file this complaint.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MD)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.