davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights.

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 2016-10-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

I received paper work from my place of work that I had a wage garnishment. I looked over the paper work and the creditor sued me in XXXX XXXX county. I have never received a letter that I was being sued, and I never lived in XXXX XXXX county nor did I take out the credit in that county. I have always lived in XXXX county and took out the debit in XXXX county.
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP (GA)

They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

This is a follow up complain to CFBP complain XXXX. 

Shellpoint has admitted their wrongdoings when they responded to my previous complaint : " Although we received the HOA policy, our system was not fully updated causing a XXXX policy to be purchased in error. As such, on XX/XX/XXXX, a notification was sent explaining this information and a XXXX policy was purchased for the property. The annual premium for this policy is {$1200.00} and provides coverage from XX/XX/XXXX to XX/XX/XXXX. 

Later, on XX/XX/XXXX the XXXX policy was cancelled. Please note, no disbursements were made from your escrow for the policy purchased, therefore, no refund is available. '' However the fact is Shellpoint either lied to CFBP, or retaliated us ( the customer ). Shellpoint have charged us {$38.00} on XX/XX/XXXX as Escrow disbursement fee after they responded to CFBP. Please see the uploaded picture as evidence.
Consumer complaint received 2022-09-04
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. (MO)

This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from Experian. This resulted a decrease in my credit score AGAIN by XXXX points on Experian. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX  even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc. (CA)

I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. ()

My name is XXXX XXXX XXXX. Due to my wife and I are been XXXX. My wife has been without income for the last few years. My wife has made several attempts to obtain her XXXX income, each time she has been denied. Due to my income being reduced and fixed ; I reached out to my mortgage company to request for assistance. The rate on my mortgage is at a 9.96 % and I owe over $ 69XXXX on my loan. Property value is only $ XXXX. I 'm really in great need of assistance. I reached out to my mortgage company for assistance and was denied. Mu monthly mortgage payment is {$640.00} each month out of that {$640.00} ONLY {$82.00} is going toward the principal balance. Ocwen has denied my loan for modification options at this time. I really need assistance to get this overturned.
Consumer complaint received 2016-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

Ocwen mortgage tried to complete a modification with me for over 1 year. I was told not to make payments, or to make lowered payments for that timeframe. I completed paperwork over and over again, only to have the dates pushed back or them state paperwork was not complete, or still in review. Then, once the modification was completed, my mortgage was sold to XXXX and I started the loan with them " 2 months behind '' which I was not. I can not get either company to resolve the 2 months behind issue and my credit score has dropped to the lowest level. I can not check my account online with XXXX because they wo n't give me the security code to access my own account. I have fought this for 7 months with no resolutions. I paid a XXXX payment last month and still show 2 months behind. Escgrow account has gone negative and with no notice, they took money from my insurance company for my auto insurance. I can receive no help on the phone from either company and need resolution of the initial modification with Ocwen and the subsequent issues with XXXX.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I was scammed and my account was hacked, Bank of America took care of all except XXXX XXXX gift cards XXXX each total XXXX dollars, on XX/XX/XXXX the bank charged me for this amount XXXX dollars and explained they had to do it and will credit me, which the did on XX/XX/XXXX, case closed, no, On XX/XX/XXXX I was charged XXXX dollars on my credit card same bank, Bank of America, Spoke with the bank, gift cards were cancelled on XX/XX/XXXX XXXX gift departmental did not collect any money at all, why the bank is charging me XXXX dollars??? Who is getting this money not me or XXXX gift departmental??? 
Claim # with Bank of America XXXX Thank you, I will appreciate if you could look into it, I feel I am being scammed by my own bank I have been with for 36 years, Thanks again XXXX XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.
Consumer complaint received 2015-05-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC (IL)

I am still having problems attempting to get a pay off quote from Planet Home Lending, PLH ). This began last month, XX/XX/2017, and again, I requested a pay off quote on XX/XX/2017. 

I called XXXX XXXX, a loan servicing supervisor with PLH last Thursaday, XX/XX/2017 and Friday, XX/XX/2017 and left voicemail messages for her requesting the pay off quote. My new loan officer also requested a pay off quote last Thursday ; neither of us have received a pay off quote. In addition, I also requested a copy of the pay off quote XXXX XXXX claims that was sent last month. Again, I have not received anything. 

PLH continues to delay my opportunity to refinance my mortgage, again costing me money. 

Thank you.
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes.
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC (NY)

Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP (PA)

Elan Fin Svs, Open an account in my name for {$1700.00} and said I paid them {$80.00} to open the account. I do not know anything about this account. I need some help with this problem, this is causing me trouble with my credit report. I think this was done on purpose the hurt peoples credit. How can someone open an account in your name without your permission?
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Total Card, Inc. (IL)

I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX, I received an email from Nationstar Mortgage LLC ( d/b/a Mr. Cooper ), the company which performs servicing duties for my XXXX XXXXXXXX XXXX XXXX XXXX XXXX account stating that their company was the target of a cybersecurity incident which ultimately compromised the personal information of their customers. Oddly, the XX/XX/XXXX email contained no details about how consumers information was impacted or how this breach affected the operation of their systems. 

On XX/XX/XXXX, another email communication was shared stating that their servicing website and phone systems were restored. It stated that consumers will not incur any fees, penalties, or negative credit reporting related to late payments as they worked to resolve their issues. I attempted to make a payment twice in XXXX ; once on XX/XX/XXXX which was unsuccessful due to the website experiencing issues, and again on XX/XX/XXXX which was successful. 

On XX/XX/XXXX, I submitted another payment via the website for {$3800.00}. I did not see a deduction from my account after two weeks and consequently, called XXXX to inquire. They stated that they could not see a payment on their end and advised that I resubmit. Given that it was the end of the month ( XX/XX/XXXX ), I asked if I would be subject to late fees and have my account reported due to this issue, however they said there was nothing that could be done on their end as reporting is automatically triggered to each credit bureau at the 30-day mark. I resubmitted my payment in XX/XX/XXXX and it ultimately cleared on XX/XX/XXXX. 

I received notification from XXXX XXXX on XX/XX/XXXX that my XXXX report was updated with the XXXX late payment from NATIONSTAR Mortgage LLC. As a result, both my payment history metrics and my score have been negatively affected. It is unclear whether the website payment platform issues experienced in both XXXX and XXXX are connected to the breach. 

My desired outcome is to have the late payment removed from all three credit bureaus and have a correction submitted via XXXX. My account was current prior to the XXXX issue as were all my payments thereafter ( XXXX - now ). 

Ive included supported documentation and can be reached at the contact information above if any additional information is needed.
Consumer complaint received 2024-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd. (CA)

9 years after the supposed incident occurred, this is the first time Ive heard of this collection/ violation. And its under my mothers name ( XXXX XXXX ) who has lived in XXXX, XXXX for 42 years, not my name, which I was the owner of the vehicle in question. I also never got a ticket for the violation claimed, and do not recall this incident whatsoever. Now they are saying I owe {$480.00} 9 years later, when I dont even recall getting a ticket in the first place.. Under the CA Statute of Limitations, I believe this is not allowable or legal. Please advise.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights.

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 an 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 2017-02-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Team Recovery Inc. (OH)

I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In it 's answer to complaint XXXX, SPS denies my demand to rescind my loan. 
They base the denial on the fact that my my loan originated in XX/XX/XXXX ... ... my ORIGINAL loan did originate in XX/XX/XXXX, but it was REFINANCED ( NOT MODIFIED ) XX/XX/XXXX. 
I say it was refinanced because the loan was INCREASED by over {$50000.00} because they added the balance of funds they ( actually XXXX XXXX, the servicer at the time ) used to pay off my then XXXX mortgage with XXXX XXXX without my knowledge or permission. They did n't just modify my original loan, they did a cashout ( the funds from XXXX mtg payoff ). The only way it would be a modification is if they did n't add the extra funds to MY account. 
Since I never received ANY TIL materials, or even an accounting for the extra money, I am exercising my 3 rear right of rescission, which I originally notified the XX/XX/XXXX. 
If the refinance that they call a modification was really just a modification, they would be right, but the refinance occurred on XXXX/XXXX/XXXX, and I am well within the 3 year window to rescind.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with XXXX XXXX XXXX and Mr cooper and I should pay nothing to Mr cooper. Mr Cooper refused to admit the fact and asked me to make the payment until today XXXX XX/XX/XXXX XXXX. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer. Mr cooper doesn't actively contact XXXX XXXX XXXX and refuses to further help me on this matter. 
Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record, I request an immediate resolution.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.
Consumer complaint received 2015-05-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.