davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage did not pay hazard insurance out of my escrow. Every year we have the same problem and I have always had an escrow account. Last year I had to change insurance because they did not pay with agent and insurance company and myself sending them the info needed, which they already had with the escrow account. Same thing this year and they send letter stating going to put forced coverage on property. Been trying to get resolved for over 1 month with agency and insurance sending dec pages and all info needed - should have been finalized sooner. From last Monday, XXXX XXXX thru Friday I have spoken with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - the last XXXX being Mgr and Director, who told me they themselves would not have handled so well that there was no excuse and they would have handled more harsh than I have. They have all the phone calls I made and also my agent. The agent and the Insurance company have Sent XXXX dec pages and info needed this last week and all they had to do was get insurance Out before Friday, which they did not do. Info was sent, I called and explained insurance was cancelling if not received by Friday but they still did not get out until Friday afternoon, which was too late. Shellpoint has said today XXXX/XXXX/15 they have called and told insurance company was on the way there and got the tracking number. ..of course all after the fact so I still have to confirm that I have insurance. None of them could tell me why with all info being sent numerous times and all my phone calls it did not happen. All they can say is that it should not have happened and that it is unacceptable. Yet this happens every year and they have my escrow money, which is almost {$2000.00} Shelipoint has caused me to have to pay higher premiums. I have never dealt with such an incompetent customer service department and my agent has stated same. Insurance company could not Get response from them either.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a recent utility bill, a copy of my drivers license with my address on it and a copy of my social security card. 
Experian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my letters.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification.
Consumer complaint received 2015-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MD)

I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, XXXX and Transunion. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. Transunion has open accounts that are also collections. My addresses are wrong and XXXX and XXXX are not reporting open and closed accounts reported on Transunion. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, XXXX and Transunion. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.
Consumer complaint received 2022-02-16
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. (FL)

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ) XXXX XXXX XXXX was advised to cease communication with third parties and 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) and ( B ) Failed to omit EXCLUSIONS as refusal to comply with state and federal consumer protection laws and continues to update disputed consumer reports as authorized as aggravated identity theft as otherwise a 15 U.S. Code 1 breach of trust No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person ; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08.

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX.
Consumer complaint received 2015-12-16
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (VA)

I first explained to the office of Smith Debnam Narron Drake Saintsing & Myer, LLP my financial situation on XX/XX/XXXX. 
At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. 
On XX/XX/XXXX, I received a letter from Smith Debnam Narron Drake Saintsing & Myer, LLP, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to Smith Debnam Narron Drake Saintsing & Myer, LLP on XX/XX/XXXX, to say I was not communicating was just not true. 
The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. 
On XX/XX/XXXX, Smith Debnam Narron Drake Saintsing & Myer, LLP garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. 
This garnishment left me with no money to pay other obligations. 

I would like the garnishment returned and a reasonable payment arrangement to be made in writing.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (TX)

I have sent letters to Ideal Collection Services seeking that they validate the debt. They have failed to do so. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove my indebtness to them? Ideal Collection Services is blatantly violating my consumer rights as well as totally disregarding the mandates set forth in the Fair Debt Collection Practices Act. This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Eastern Account Systems of Connecticut, Inc. (TX)

On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Harvard Collections, LLC (IN)

HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Per the case number above, Transunion agreed that the Student loan with XXXX had been settled and that the balance would be corrected to zero and settled. I now pull my credit report and they have reverted back to showing a balance and open. The settlement to the above noted case was that TransUnion agreed the showed be XXXX balance and closed as of XXXX/XXXX/2015. I need them to correct this again. All supporting documentation is included with the original case.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (MD)

Citibank NA refused to approve a Citibank Credit Card ( Costco Private Label ). I contacted Citibank directly. I was incommuication with a XXXX XXXX on XXXX/XXXX/XXXX and was told to put a appeal on the incorrect deliquent from XXXX. Received a letter of Credit Decision. Citibank used XXXX as there provider. There was a error on my report and was corrected by XXXX and the Deliquent item was removed on XXXX. I called Citibank on XXXX/XXXX/XXXX asked for approval and was denied again. Attached is the letter from Ciitbank. I spoke to XXXX XXXX XXXX from the Office of the President on XXXX XXXX XXXX stated " Once the Deliquent Account is removed on Experian than the Credit Card would be issued ''. Now Citibank is changing there story and found another avenue to deny the Card. XXXX XXXX made several remarks that are contrary to the decision denials. 

I am asking the CFPB to fully investigate Citibank NA on there deceptive practices on Credit Approval for a based upon misleading statements from the Office of the President and Risk Management from Citibank NA. 

Application Number XXXX XXXX MD XXXX XXXX
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given.
Consumer complaint received 2017-10-15
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: WELLS FARGO & COMPANY (TX)

SPOKE TO XXXX  FROM XXXX XXXX CARDS SEVICES THEY CHARGE ME FOR ITME I DID NOT GET HIPPA AND CRA VIOLATION OF MY PROCTECTION RIGHTS
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Our mortgage was sold within the XXXX year and immediately our payments increased by {$300.00} without warning or explanation. Since then we have been trying to get our interest rate lowered. Then my wife became very ill, was out on XXXX a few times, had XXXX surgeries, and is now on total XXXX. During her time of illness, we were unable to make our payments. For two years we have been trying to get a loan modification, or at least a reasonable interest rate. Every time we have complied with the requested information, they say it 's out-of-date and it seems we have to start all over. The company is Ocwen. We were told that we would NOT be foreclosed on and if we would just keep sending in the paperwork, something would be worked out - that they WANTED to work with us. Now we received a summons of forecloser. We ca n't seem to get anywhere with this business ; calls coming from XXXX which makes it even harder with the communication. We have complied and have KEPT complying with their requests and something new always comes up. We are frustrated, scared, and frankly angry that this is allowed. We ca n't even speak to anyone American so as to understand what they are even saying. We have gotten nowhere fast and feel that this type of conducting business should not be allowed! e neeD SOME HELP!!! PLEASE!
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I XXXX have been married for 27 years. maiden name was XXXX Before this my birth name race XXXX DOB Is XX/XX/XXXX Last four of SS # XXXX. 
The Issue with credit service keeps putting A XXXX on my credit reports this women Race is XXXX. For the past 8 years I been trying to get a red flag on my credit report that the credit service would stop and look. My name is XXXX has been maiden name was XXXX before this. I have lived at address XXXX for passed 11 1/2 years. 
I WANT XXXX BAD CREDIT REMOVED MY MY CREDIT. THIS LADY HAS BAD CREDIT AND HAS HAD FOR SOMETIME. I CANT EVEN OPEN NEW ACCOUNTS BECAUSE OF A ERROR THAT THE CREDIT SERVICE IS DOING. THIS IS NOT FAR. I KEEP GETTING CALLS FOR THIS LADY AND MAIL. I DO N'T EVEN KNOW WHO THIS LADY IS. I SHOULD N'T HAVE HER INFORMATION ON MY CREDIT. PLEASE REMOVE XXXX FROM MY CREDIT REPORT. 
ANY QUESTION CALL XXXX
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

Citi offered a deal that if you used a specific promo code and signed up for their premium CitiGold checking account, they would award you XXXX XXXX Miles. It was confirmed XX/XX/XXXX that I had met all the requirements for this offer ( {$1000.00} in debit card spending, 2 months of online billpay, opened account using promo code. ) I was told that I would be awarded the miles within 90 days. This was over 5 months ago. XX/XX/XXXX i was assured that the miles would post within XX/XX/XXXX, but that did n't happen. XX/XX/XXXX, I contacted Citi Bank again, and the customer service representative opened an investigation to check the status of my miles. He said I would hear back by XXXX XXXX, but nearly 2 weeks later I still have n't heard anything. This checking account charges a $ XXXX/month maintenance fee, and I 'm starting to feel like this offer is being dragged out so that they can collect additional fees.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (AZ)

Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!
Consumer complaint received 2023-04-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.