davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (CO)

During XXXX, I was granted a forbearance plan by my mortgage lender, Fairway Mortgage Corporation. This was in response to my inability to maintain my flex modification granted by the company in late XXXX. I had previously lost my job and faced a few large expenses. Fairway  allowed a six month forbearance that expired in XX/XX/XXXX. At this time, I was told that I was unable to make any partial payments to reduce my overdue balance, and that I could apply for a new modification, which I did. 

In XX/XX/XXXX, my relationship manager, XXXX XXXX, began requesting various documents from me to understand my hardship, as well as a formal application for the modification, which I submitted. Over the next seven months, through today, XX/XX/XXXX, XXXX occasionally asked me for documents such as paystubs, bank statements, bills from large expenses, and a separation letter from the employer where I lost my job. XXXX was sometimes very delinquent in responding to my emails, while I was prompt in giving her the requested information. At one point in XX/XX/XXXX, she asked me to reapply for the same modification, giving no reason for it, and basically making the previous months ' worth of documentation irrelevant. On XX/XX/XXXX, XXXX emailed me saying that Fairway can approve me for a new flex modification, I accepted, and she said they would get started working on it. On XX/XX/XXXX, I received an email from XXXX saying this was not the case, and that she actually intended to say it was still under review, and that as of XX/XX/XXXX it was denied. The denial reason given was because my original flex modification payments from XXXX had fallen behind by more than 60 days, and that my only options were making a one time payment of the balance, nearly {$20000.00}, or liquidation. 

During this seven months, Fairway did not allow me to make any partial payments, and instead forced me to wait for a decision, one that took seven months. My overdue balance went from around {$11000.00} in XX/XX/XXXX to nearly {$20000.00} in XX/XX/XXXX, making this an impossible option. Again, during that time, Fairway would not allow me to partially reduce the balance. Also during this time, I could not reach the loss mitigation department over the phone, only being promised callbacks within 5-7 business days, which usually never came. There was never a supervisor available either. The only representatives available said they could not handle my loan, and were often just in the collections department. 

I am now left with two unacceptable options, and this is because of the lack of accountability for my relationship manager, XXXX XXXX and Fairway 's policies overall.
Consumer complaint received 2022-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

In XXXX I had reached a settlement agreement with the second lien on my home, with the servicer Ditech Financial LLC in XX/XX/XXXX. At about the same time, XX/XX/XXXX Ditech filed for bankruptcy, so this may have caused the confusion, but I was unable to complete the settlement, even though it was offered in writing ( see attached ), because when I would contact Ditech, either I was told that there was no settlement in their system or that it was placed on hold. I was given the run around. Then in XXXX XXXX received a letter from Shellpoint saying that my mortgage had transferred from Ditech to Shellpoint. ( Shellpoint is the servicer for the first lien as well, on my home ). At that time, the Pandemic had just started and everything was paused. I did reach out to Shellpoint but they advised me that they could not find a second loan, not with the account number in my notice of transfer letter or my social security. The only account that they can locate is my first lien. The representative today, XX/XX/XXXX, advised me that she can not locate any second loan, and that the account number I gave her is not XXXX she has ever seen before. I spoke with XXXX XXXX at Shellpoint. I explained that the letter was from Shellpoint and noticed that the mailing address and phone number for the old & new servicer were the same ( Ditech & Shellpoint ). I also explained that I contacted XXXX XXXX XXXX & they confirmed that Shellpoint held the second mortgage on my home. Also the transfer dates are inconsistent.
Consumer complaint received 2021-10-12
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)

I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AL)

XXXX XXXX XXXX XXXX % AmSher Collections : On XX/XX/2021, from Social Security XXXX XXXX, which was reversed back due to claim file too soon for active payment. XXXX XXXX XXXX employee Insurance or payment coverage of medical treatment payment costs difference of {$1700.00}. 
I discovered collections notice today. Please investigate due to bill cost and reconciliation. XXXX XXXX  account billing stated that " collections and SSN XXXX would be notified-not to worry ''.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IN)

I am a victim of violent crime that includes identity theft and fraud and XXXX XXXX XXXX XXXX and XXXX XXXX use my identity and hack my phone and have other people help them XXXX XXXX XXXX XXXX and I still have been unable to resolve the issue and they continue to do it
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

In XX/XX/2021 I sent out a debt validation letter to resurgent capital services they then responded with a bill statement however I requested specific information and I informed them that this was not proper validation that the debt belonged to me. I sent another letter to resurgent capital services in XXXX requesting that they send specific information validating that the debt belongs to me. They didnt respond so I sent a second letter out. They in return sent the same exact bill/statement, they sent out to me in XX/XX/2021. I then reached out to XXXX and XXXX in XX/XX/2021, XXXX  in XX/XX/2021 and expressed my concerns that the company was not validating the debt properly XXXX did a thorough investigation and deleted the account from my credit report however XXXX and XXXX validated the debt. I dont believe I was given a fair investigation as resurgent capital services clearly did not validate the debt properly thats why XXXX deleted the account from my credit report. By law from my understanding if the debt can not be validated it must be removed from my credit report. If you can look into this matter I would greatly appreciate it thank you. I have submitted the documentation below.
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (IL)

Citi bank credit is very mean reporting my current balance, its like by law i got told I shouldnt have to wait to next month to see my current balnce gets updated, so XXXX  updated my current balance with citi bank which reflected my utilization from 27 % went down to 18 % its like citi bank not following guidence its like they dont follow any of that till they get full balance, updating my balance as pulling tooth out of their mouth the minute i updated my balance and requested them to update my score they locked my account to see if there is a fruad on my account, and yup i told them i paid that amount of money becuase their interest rate apr 29 % on the account, though they say they waives interest rate on covid time they dont so i had to pay them. 
so my problem XXXX  updated the new balance and transuion refuse to update the balance becuase they instructed by citi bank where please have XXXX update my balance
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Revolut Technologies Inc. (NJ)

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (PA)

I asked for the original signed contract and payment history many times to be sent to my address and have never received them. They are harassing me at family members homes that i do not live at. I asked to be notified via my personal home address which was ignored. i get threated by them to be sued and severed at family 's house of residence.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MO)

I Have already filed a complaint on issue # XXXX. In that complaint CFPB ask not to send any personal info in the narrative which I understood I should not upload my social security number. I now understand I can upload that info.
Consumer complaint received 2020-07-23
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. (MD)

My credit report, requested on XXXX, shows a XXXX  XXXX XXXX account opened in XX/XX/XXXXthat does not belong to me and that I am not an authorized user on. I believe this account belongs to my father, as it appears similar to an account I know he has, and it is mistakenly associated with my report. I would like this account removed from all future credit reports of mine.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received an email, text message, and call from Chase claiming that there was fraudulent activity on my account. I spoke to a representative and they claimed that someone had gained access to my account and attempted to XXXX themselves {$1000.00}. I was contacted by who I thought was a Chase representative with the Chase customer service number. They claimed they were trying to help me, but stole {$1000.00}. I have contacted Chase and they refuse to do anything to help me. I am a XXXX XXXX  who is now left in a negative balance. The XXXX was done within my account with NO AUTHORIZATION from me. I would please appreciate your help in resolving this matter. 
Thank you for your attention.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received a notice of delinquency from the XXXX XXXX County Treasurer and Tax Collector because the mortgage company, Shellpoint Mortgage Servicing, did not pay the second installment of property taxes, which was due on XX/XX/2020. I went online to my mortgage company 's website and saw that I have an escrow balance of over {$4500.00}, which indicated to me that they did not pay the property taxes. I called them and was told they needed to research the issue and that I should call back in 7 days. I was assessed a late penalty of {$230.00} because of the mortgage company 's failure to make the tax payment. I need for them to make the payment and provide me with proof that the payment has been made.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade  Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Norwich Commercial Group, Inc. (GA)

XXXX XXXX XXXX # XXXX Was the loan officer for my clients who are an older couple. XXXX XXXX failed to provide any documentation, loan rates, or any guidance. My clients consistently requested XXXX for communication. 

We only found out one week before the closing that XXXX told my clients that the appraisal didnt happen. When my clients and I tried to ask for explanation and dates he never responded. 

When he finally responded the day before the closing it was to say that the appraiser was going to reschedule next Wednesday. 

One of my clients who had a XXXX 3 years ago shut down and slept for 3 days because they had movers coming and they had canceled their lease at penalty since XXXX never communicated that there was any issues with the loan even when we asked for status updates he NEVER responded. 

When we told XXXX we were moving on from to another lender because that was the condition that the sellers requested to keep the deal alive XXXX called to threaten my clients saying that they will never find another appraisal and they will never close. My clients were so anxious they called me crying. 

When I told him that he can not contact my clients again he mouthed off. 

If something happens and if my clients lose out on the house and if something happens to them I will be suing XXXX and XXXX. He has not only been negligent but now abusive. It is not enough that hes incompetent and irresponsible he is threatening my elderly and sick clients. He should lose his license and I will provide the documents and testimony of my clients.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Procollect , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX, Regional VP XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX We leased 3 apartments at XXXXXXXX XXXX XXXX  for a job assignment in XXXX XXXX, LA. One of the workers was diagnosed with COVID, and we had to end the work assignment early as it was on a military base. 

We contacted the XXXX XXXX Property Manager, XXXX XXXX many times via email but she never responded. On our last day, we returned all keys. Two employees hand delivered the keys to XXXX XXXX. 

We began receiving collection letters and calls from Procollect , Inc. We requested documentation from Procollect but they never sent us anything. We emailed and called XXXX XXXXXXXX XXXX  and was ignored. Last week, we contacted XXXX XXXX XXXX via phone and email. Again, we requested documentation to support the alleged " late fees. '' No one will send us anything. 

We understand they could not collect due to covid, so we think they created late fees instead. Again, they won't provide anything in writing. 

Procollect expects us to pay this debt via phone without any documentation.

Now, Procollect has filed a collection on our credit file. 

We are seeking documentation immediately and the removal of the collections from our credit report. 

THank you, XXXX XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Hello, I spoke with National Credit Adjusters on XX/XX/2021 to submit a Dispute explain that the credit card from TOTAL bank card is not mine and i have been a victims of identity theft. and submits a Verbal Dispute with one of the agents which they informed me that it can take up to 30 days to be resolved. i gave them about two weeks and called them back as a curtesy not agreeing the fault of the debt but to pay in good faith for it to be removed from my credit report. One of the agent explain that in order to pay or to settle the account i will have to agree for fault of the debt and cancel the dispute I submitted. I disagree and disconnect the call and waited for the dispute to be finalize. today XX/XX/2021 i spoke the Manager on duty her name is XXXX XXXX and informing that i have not received any of the dispute status by mail or a phone call to let me know what will be the next step of the process. i Explain it has past more than 30 days and i have gave them additional time for my dispute to be finalize with a outcome. and request to the collection to be removed from my Credit report because they are not being communicative and because the dead line for a dispute response. XXXX become really aggressive and demanding asking me for additional personal information. and i didn't feel comfortable anymore. I requested again for them to remove the debt from my credit report and said i have received just know all the information i will mail it out as certified mail to the address on file and that she needed from to confirm my address. i said i don't fill comfortable anymore providing you any personal information. and denied. i just wanted to help me to secure my identity to complain with the regulations which they are not in compliance. XXXX informed me that National Credit adjuster don't follow the same policy 's and regulation with the customers as they follow with agency 's. I have been trying to be on top of this account from the past year and they are not responsive. and i need from them to remove me form there data base. please see below all the information. Called again to get additional information of the account spoke with XXXX XXXX. and informed that XXXX never notated the account in regards the Encounter we had today XX/XX/2021. 

Company Name : National Credit Adjusters Acc # XXXX Balance {$420.00} ph # XXXX Charllote Manager- XXXX  XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NV)

AMERICAN PROFIT RECOVERY XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.