davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (FL)

REQUESTING EVIDENCE OF ENTITLEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXXXXXX XXXX XX/XX/XXXX SHELLPOINT MORTGAGE SERVICING, ADIVISION OF NEWREZ XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Proof of Claim Regarding Mortgage on XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, Account No. XXXX Dear Shellpoint Mortgage Servicing, I XXXX XXXX am writing to you, hereinafter referred to as " the Mortgagor, '' concerning the property located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, associated with account number XXXX. Your agency under XXXX XXXX XXXX XXXX XXXX XXXX CASE NO. : XXXX has initiated actions to collect and possibly foreclose the aforementioned property without providing adequate proof of your legal entitlement to do so. 

Under the principles established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the U.S. Supreme Court held that the note and the mortgage are inseparable ; the former as essential, the latter as an incident. Without the note, a mortgage foreclosure proceeding is baseless. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, underlines the necessity for clear evidence demonstrating the chain of title and the rightful ownership of the note and mortgage at the time of foreclosure. 

Given these precedents, we hereby demand that your agency provide the following documents forthwith : Certified Copy of the Original Mortgage Agreement : Including the Mortgagor 's signature, as proof of the debt and the terms agreed upon. 

Assignment Documentation : Clear and unambiguous  evidence of the lawful assignment of the mortgage to your agency, including any deeds of assignment and notices of assignment compliant with the Uniform Commercial Code ( UCC ), Article 9. 

Proof of Ownership of the Debt : Documentation that clearly shows your agency as the current holder of the debt and, therefore, entitled to enforce the mortgage against the Mortgagor. 

Your failure to respond satisfactorily to this request within XXXX ( XXXX ) days will leave us no choice but to consider your claims as baseless and potentially fraudulent. We are prepared to take all necessary legal action to protect the Mortgagor 's rights and interests, including but not limited to, filing a complaint for damages due to any unlawful collection and foreclosure practices you engage in. 

We expect your cooperation in this matter and look forward to your prompt compliance. All communications should be directed to the undersigned at the address provided above. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-12-09
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. (DE)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off my mortgage loan with Bank of America on XX/XX/2020. 
( 1 ) Three weeks later, they are still holding {$4100.00} in my escrow account. I am unable to find out when they plan to return my {$4100.00} to me.

( 2 ) Bank of America has been taking unknown fees from my escrow account for a year without notifying me or telling me what they are for. I am unable to contact anyone to request an escrow account reconciliation and get an explanation for all those fees.

( 3 ) I have not yet received a payoff reconciliation statement from Bank of America. I am unable to find out when they plan to send this to me.

( 4 ) Bank of America apparently closed access to my online account as soon as my loan paid off on XX/XX/XXXX. I am therefore unable to access a complete 2020 transaction statement for my paid off mortgage and unable to find out how to do so. 
( 5 ) I have sat on hold on Bank of America 's " customer service '' line for 72 minutes on one day and 64 minutes on another day, and then been disconnected without being able to speak to anyone.

( 6 ) There appears to be no other way to contact Bank of America except by a phone number that they do not answer.
Consumer complaint received 2020-10-25
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. (NE)

Transunion : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted XXXX XXXX.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (IN)

I do not want the Netspend Prepaid Debit card issued to me. I want to stop getting mail in the US Postal Service from this company where master card services issued the card from XXXX XX/XX/2019. All customer service numbers and emails have no person to answer at all.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account :
Consumer complaint received 2022-04-28
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: Investment Retrievers, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under at + open end consumer credit plan as late for an purpose.
Consumer complaint received 2021-10-19
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: CITIBANK, N.A. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Dear Sirs : My name is XXXX XXXX. I live/own at XXXX XXXX XXXX XXXX in XXXX, CT, XXXX. I have a XXXX yr. fixed with SLS. Loan # XXXX. As you can see from my XX/XX/XXXX letter to SLS, they have made terrible errors when performing the annual Escrow Analysis.

As a result of these significant errors in their Escrow Analysis over the past two years, my escrow balance is now short by {$16000.00} and they are pursuing Foreclosure. 

This problem was identified back in late XXXX of this year when I received a phone call from them to tell me that my next payment ( due 5 days later ) was now going to nearly double the amount I normally pay each month. The representative who called actually identified the escrow problem while on that call and asked me to put together a summary letter and gather all documents and send it to them. After sending documents and making many attempts to speak to someone in the Escrow Department, no one from SLS has ever acknowledged my communications or spoken with me regarding a resolution. 

When I called the XXXX number for an email address to send documents to, I was directed only to XXXX. There is no email for the Escrow Dept., however I do have proof that my letter and documents were received via an automated email response. 

I was able to get a number for the Escrow Department ; I kept calling but got recordings saying " the department was in a meeting and someone would call back ''. 
Every month since XXXX of this year, I receive a collections phone call saying that mortgage is overdue, even though I continue to make payments. On each and every phone call I get, I ask to someone in the Escrow Dept. and a person can never be reached. 

As recently as this past Friday, XX/XX/XXXX, the collection agent said " the Escrow Dept. doesn't do phone calls '' but then proceeded to say that someone tried to reach me on two other occasions ( he named the dates XXXX but " they don't leave messages ''. When I insisted on speaking to someone ( other than the collection agent ), he said he would have someone that the department call me at XXXX EST, when I took my break. No one called. 

Please see the attached documents and communications to SLS. It chronicles all of the activity and errors over the past two years. In my communications to them I have asked, since they caused the Escrow Analysis errors, for a reasonable and affordable resolution to make up for the shortage over time. I do not have funds to pay the shortage all at once. I can not afford a monthly payment of {$4800.00}. I do not feel that I should have to refinance and be subject to additional late fees, negative credit reporting, and penalties because of their errors. 

Could someone please help me resolve this quickly. I am panicked and feel helpless since there is absolutely no effective way to communicate with SLS! 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

MCM otherwise know as Midland Credit Management started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. MCM threatening again for ( XXXX ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to MCM, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have impound account with my mortgage in 2019 period. End of 2019, I have refinance my house and I paid the property tax due on XX/XX/2019, however, it was supposed to pay by lender because the lender withhold the impound. I have contacted them for refund of escrow balance. They refused and said they dont owe me any balance. As of the last statement, the balance of escrow about $ XXXX plus but I never got any response or rebate from them. I was frustrated and contact them but the refuse to refund. I have no idea what they are doing I need CFPB to get involve in order to get refund from escrow account. I proof you the proof which I paid property tax for my county and also amount of they collect impound in order to pay for property tax and insurance.
Consumer complaint received 2022-04-28
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: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

2819
Consumer complaint received 2022-04-28
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: VW Credit, Inc (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

2819
Consumer complaint received 2022-11-17
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. (AR)

I am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

This will be my last complaint. To my understanding, when applying for credit we add our social security numbers for identification purposes. On XX/XX/2024 I submitted a complaint because of the initial unlawful denial of credit from American Express National Bank. The complaint ID for that is XXXX. On XX/XX/2024 I submitted another complaint XXXX in regards to the response from American Express stating that they denied me based on factors from another persons credit file, which is still XXXX  against me. They have attached records that do not pertain to me, which is now evidence I am still being unlawfully discriminated against.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.