davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shellpoint Partners, LLC (IL)

This is complaint in regard to SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX. 

Above financial entity pretend to be Holder in due course to my Mortgage/Note instrument produced XX/XX/XXXX between me ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) and XXXX XXXX XXXX. 
Above Mortgage has start to be foreclose on XX/XX/XXXX in XXXX. XXXX County Circuit Court commenced by XXXX XXXX  XXXX ( which has been proven of wrongful foreclosure practice in XXXX  state ) During that time various financial entity ( in fact dept collectors ) present themselves as consequent assignee of Mortgage/Note instrument. In XX/XX/XXXX Shellpoint present themselves as such. 
During that time I am in dispute communication letter pursuant to 15 USC 1692 et all. 
No mention of fact that Shellpoint has disrespect 90 % of my QWR request, also have diversifies my attention/respond and communication to 5 different addresses to which I had try to keep up with my consistent defend position. 
Addresses to which I had to keep up my effort. 

1 ) .... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX   XXXX. 

2 ) ... ... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX. 

3 ) ... .. SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4 ) ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regardless to QWR full cooperation/respond refusal, Shellpoint produce its statement on XX/XX/XXXX that XXXX XXXX XXXX at, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is the owner of purported loan See attachment 1st page. 

In letter XX/XX/XXXX XXXX made statement that XXXX XXXX XXXX at, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is owner of purported loan See attachment 2nd page. 
In XX/XX/XXXX Shellpoint pursue Court enforcement action with Shellpoint affidavit doc. etc all. However course of action/court order revile its true attorney representation ( false  representation in fact ) which is Not Shellpoint but XXXX XXXX entity. See attachment 3th page. 
All of the above cause total confusing and misleading homeowner of available remedy and/or rightful defense venue, lost by now by Shellpoint misrepresentation of facts, misleading information and diversification of attention with timely manner communication.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I previously disputed this account stating : I recently pulled my reports and noticed you are reporting this account as Open when its closed. Because this account is closed but being reported open by your company, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (MI)

Took out loan for XXXX in XX/XX/2018. Has taken XXXX per week out of my bank account and balance shows that I owe XXXX. Even with interest I have well overpaid this loan
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I have a mortgage reporting from Citi Mortgage on XXXX  and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and Citi Mortgage multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WV)

My ex-husband remarried and his new wife 's name is XXXX XXXX XXXX. They lived in the same house he and I lived in 6 years ago. For the past 2+ years Equifax has been allowing her negative accounts to go onto my credit report. I have contacted them numerous times about making the companies provide the middle name and social before placing on my report. They keep telling me to file dispute after dispute and contact said companies myself. I was under the impression that credit reports were secure and no one else would have access to my information. Equifax is the only XXXX of the XXXX companies that allow inaccurate information on my report. I am also worried that my account information is being placed on her report giving her access to my financial information. Is there any action I can take to force them to stop allowing the erroneous information on my credit report?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I am writing to formally request the removal of my Bank XXXX XXXX account from the ChexSystems. It has come to my attention that my banking history, specifically my account with Bank XXXX XXXX, has been negatively affecting my ability to access banking services due to an entry in your system. 
Bank XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been working with Select Portfolio Servicing. They are my mortgage lender. I have been working with them since late XX/XX/2018 on a mortgage loan modification. 
The reason that I requested this is that they increased my mortgage payment to XXXX. This is an increase of over {$200.00} over my previous mortgage payment with them. I just can't afford to pay this amount every month on a consistent basis. 

Starting in late XX/XX/2018 I applied for the modification. I provided the documentation for this loan modification multiple times to them. For example, I have provided the signed lease agreement ( I am renting the property ) twice. Also, I have provided two months of my checking account statements to them at least four times. These statements included notes about rental income, income from work, etc. I believe that I am getting stonewalled by the company for this refinancing. Every time that I have called them there seems to be a request for something that I have already provided. Also, they have recently started replying to me by mail. This, I believe, is another delaying tactic. They are in XXXX XXXX XXXX, XXXX  and I am in XXXX, XXXX. So it takes about a week for the letters to reach me. They have told me at least twice that they have all the information they need to make a determination about refinancing. 

I am very frustrated with this situation and I am seeking your help to resolve it.
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

BSI FINANCIAL SERVICES , INC - Awaiting response to " Conditional Acceptance '', XXXX XXXX XXXX, XXXX - No response from the alleged Owner/Assignee, SERVIS ONE, INC - No response from this Servicer ( Mail returned to sender ), XXXX XXXX XXXX XXXX, XXXX - No response ( Mail returned to sender ), XXXX XXXX XXXX XXXX ( Trustee ) - No response ( Mail returned to sender ). -- Within the last 7 months according to " Administrative Procedures '', I have sent several correspondence to the above entities and all except one has responded to my attempt to obtain information concerning the alleged debt. It is my position to remain in honor at all times. However, due to the excessive complaints of mortgage fraud, and the Supreme Courts decisions to overturn foreclosures due to fraud, I took it upon myself to assure that the loan in which I am the holder of the note is in good standing. All payments are being directed to a personal savings account until lawful ownership of the note can be determined and a copy of the proper documents submitted. 
According to the " Securitization Audit '' I received on XX/XX/2018 it has been indicated that the Assignments, transfers and signatures may be fraudulent. I have tried multiple times through Registered Mail to obtain information concerning the Note. However, I have not been successful. All addresses associated with the entities listed above where obtained from ( www.sec.gov ) and none appears to be in compliance with the regulated requirements or not in existence. 
There has been ample time given for all entities to respond to all questions listed in the affidavits and all have failed to provide the requested information and by " Tacit Acquiescence '' they have all agreed to the ESTOPPEL of all attempts and fraudulent activities concerning the alleged debt. According to the MAXIMS of Commerce " An unrebutted affidavit becomes a judgment in commerce. See Heb. 6:16-17. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied ''.
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BOEING EMPLOYEES CREDIT UNION (WA)

l called them in XXXX due couvid 19 stay home and closing business, asking them to give me sometime to get back to normalcy to pay again on my loan. I made a payment on XX/XX/XXXX they received the payment,XXXX $ went into interest for the previous 3 months. I called them to complain and reverse it they said nothing they could do. The call was on XX/XX/20. My loan is through BECU there # is XXXX
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (GA)

I have my house up for sale where I was supposed to close on XX/XX/2019 and the payoff for M & T Bank was {$74000.00} for mortgage loan XXXX. I had to reschedule to close on XX/XX/2019 where the payoff for M & T Bank is now {$76000.00} which is a {$1500.00} INCREASE in a six ( 6 ) day period. There should not be this amount due to that the XX/XX/2019 payoff included interest up to XX/XX/2019. I feel and know that I am being " OVERCHARGED '' on this mortgage loan before Closing and this is 'not ' the first time M & T Bank has overcharged my mortgage loan account. I need the payoff amount corrected which should be close to XXXX XXXX dollars more and not the XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. 
PLEASE HELP
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Since XXXX XXXX, XXXX when I first put in a complaint Wells Fargo has not even had a underwriter speak to me They refuse to get on the phone an discuss reasons for denial. I have repeatedly inquired and requested for a specialist to allow me to make my original payment and or come up with a payment arrangement. All are losing site of the fact that I was a NON ESCROW account not in default paying my taxes and monthly payments. the town accepted my payment arrangement for taxes. Wells Fargo came in and went against my original loan documents and forced me into escrow making my payments XXXX more a month. The end of the month is coming and I will for the FIRST time be late on a monthly mortgage payment. they will not allow me to make my original payment and will not even talk to me about a resolution. I am fearful of going into foreclosure and it seems wells Fargo does not even care. I have requested for their policy in writing to discuss the terms they have placed on me and they stated that it is an internal policy and they do not have it in writing. Why would a bank not want to make arrangements and avoid going foreclose proceedings and go in front of a judge. Pease help me I am in extreme distress
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (NJ)

XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA, XXXX Re : Dispute of Medical Debt Account Number : XXXX To Whom It XXXX Concern, I am writing to formally dispute the validity of the medical debt associated with the account number mentioned above. Despite repeated attempts to clarify the situation with your company, I continue to receive communications regarding this debt, which I maintain is not my responsibility. 

In XXXX, I was involved in an accident for which the other driver was at fault. Following the accident, the insurance company, XXXX, was contacted and provided with all relevant information regarding my medical bills resulting from the accident. It was understood that the other driver 's insurance, XXXX, would cover these medical expenses. 

I have communicated this information to your company on numerous occasions, yet I still receive notices demanding payment for the medical debt. As such, I am disputing the validity of this debt and request that you cease all collection efforts until this matter is resolved. 

Furthermore, I request that you provide me with detailed documentation validating the debt, including itemized statements and proof of assignment. Additionally, please provide evidence demonstrating that I am legally responsible for this debt. 

I expect a prompt response to this dispute within 30 days as mandated by the Fair Debt Collection Practices Act. Failure to provide the requested information or to cease collection activities will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. 

Please be advised that all future communications regarding this matter should be in writing and sent to the email address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-13
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: SYNCHRONY FINANCIAL (IL)

I'm currently in a dispute with XXXX  and XXXX  for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by XXXX  or XX/XX/19 from SYNCB/SAMS. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.
Consumer complaint received 2018-06-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying.
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

In  XXXX   2017 , I se nt Midland Funding a letter requesting validation of a debt. Per FCRA, they have 30 days to respond to my request. Midland Funding did not respond. I mailed a copy of the letter that I sent to Midland Funding, along with a copy of the return receipt, to  XXXX  asking them to delete the negative account because the collection agency DID NOT respond to my request by sending validation of the debt.. Two days ago, I received a new copy of my credit report from  XXXX  saying the debt was verified. Verified and validation are two different things. Secondly ;   XXXX    ignored the fact that I informed them that Midland Funding violated the FCRA law that required them to respond to me within 30 days. After such violation, the credit bureau is required to delete the debt. The credit bureau is required by law to have substantial validation of the debt in their possession as well. At this point ; Midland Funding and   XXXX   are viola ting the law.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.