davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with ShellPoint on XX/XX/30. We have faxed them multiple items since then, including an offer, HUD, Authorization, Financial Statement,  etc and many other items needed for a short sale. We have contacted them multiple times for an update on the status of the short sale. Finally, today, we were given a generic list of items needed for a short sale. The rep didnt even bother to look at the file or check to see which documents they have received. XXXX**WHAT HAPPENED TO THE DOCUMENTS WE HAVE BEEN FAXING THEM FOR THE LAST MONTH??????????? I attached the package here since filing a CFPB Complaint seems to be the only way they will acknowledge the documents we have submitted. 

-- -- -- Considering it has taken weeks to get a response out of ShellPoint it is obvious they are purposely delaying this process, or they are just SO IMCOMPETENT THEY NEED TO BE SHUT DOWN. -- -- -- -- Originally they contacted someone that WAS NOT AUTHORIZED and spoke with them regarding moving forward on the short sale *****THIS IS HIGHLY ILLEGAL AND A VIOLATION OF THEIR CLIENTS PRIVACY AND THEIR SERVICING OBLIGATIONS. ****** This extreme incompetency with ShellPoint has been going on for years. We have to file a complaint on EVERY SINGLE SHORT SALE WE DO WITH SHELLPOINT USUALLY MULTIPLE TIMES!!!!!!!! 

When is this going to stop?? We are headed towards another downturn and ShellPoint is UNIQUELY UNQUALIFIED to survive in this coming downturn. Every phone call with them turns into a charade of inability to forward to the appropriate person, no one is able to answer our questions, there are no notes in the file and getting disconnected because they do not have the appropriate resources for their staff. It was clear from their first items we faxed to them that this was going to be a short sale yet NOTHING HAS BEEN DONE AND NO ONE WILL ANSWER ANY QUESTIONS ON THIS AND THIS HAS BEEN GOING ON FOR A MONTH!!!!!! This is UNACCEPTABLE AND NEEDS TO STOP IMMEDIATELY. 


I want the documents we have submitted to be reviewed, an accurate list of items needed for the short sale, and the short sale to be moved forward appropriately.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-30
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. (NY)

so I was a victim of identity theft and had multiple issues because of that and one was a bankruptcy so i disputed with Experian and they verified it after investigation and said the source was XXXX XXXX. So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was lexis nexis and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you
Consumer complaint received 2020-10-21
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 disputed an inaccurate account on my credit report that was due to identity theft. XXXX   and XXXX  both removed the account but Experian did not. 

I submitted multiple disputes and included proof of deletion from the other two bureaus but still Experian did nothing. 

This issue is holding me back from purchasing a home, and I have submitted over 10 disputes and not nowhere.
Consumer complaint received 2021-01-30
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. (TX)

On XX/XX/2005 an account was fraudulently opened by a relative with XXXX XXXXXXXX XXXX and it was never paid back and charged off in the amount of {$9700.00}. I sent notice for removal to XXXX and Transunion. They wanted more documents so I sent my FTC report and a ID Theft Affidavit to show it was not opened by me. They said they still would not remove that the creditor removed the block. XXXX XXXX sent me the forms for the ID Theft Affidavit. I advent had any response back from XXXX XXXX. I sent the documents two times to XXXX and Transunion. And still no removal.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX just today sent a letter through this site saying date was XX/XX/2012, I was disputing this date on my LAST complaint along with the DEBT even being owed. I have a letter that XXXX XXXX sent through this site a few weeks ago stating the debt date is XX/XX/2012. This claim was closed, but as you can see with my newly attached letter the date was incorrect! If the date was supposedly verified and is incorrect how can any of the other information be verified as true? XXXX XXXX has been unethical and now downright false in " verified '' information. I would like for this to investigated, corrected and removed from my credit.
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Near the end XXXX I refinanced the loan with Capital One Auto Finance. In talking with their reps, they've sat on the paperwork for about a month now and have not yet even sent it to the state to perfect their lien. I now can not sell or get out of the vehicle and so am stuck with it and with their loan since the title shows the old lienholder. I've made several calls, including today, and as of yet it still has not even been sent. I've also been hung up on trying to ask and understand why it's taking them so long with no resolution provided so far.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

I have repeatedly ( over three times ) asked for an accounting of how the new escrow charges assessed by the company ( HomePoint ) were calculated because they did not match the actual taxes and insurance amounts that are readily knowable ( even with a cushion ). As a result, I repeatedly asked the company to cease collecting insurance and tax amounts via escrow, and we will make payments to the insurance company and the taxing authorities ourselves. After repeatedly ignored emails, I warned them that I would complain if they did not respond. They have again failed to respond.
Consumer complaint received 2021-05-03
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (VA)

In early XX/XX/2020, I contacted XXXX XXXX of XXXX to ask about a reverse mortgage. He informed me that he could not help as the current mortgage was too high. He referred me to XXXX XXXX XXXX XXXX  XXXX XXXX ( not XXXX XXXX XXXX ), with whom he was previously associated. XXXX XXXX stated he could help me and the application process began for a reverse mortgage with Finance of America Reverse ( FAR ). 
The property is currently owned by XXXX XXXX, my daughter with whom I reside, XXXX XXXX, my grandson and nephew of XXXX, and myself. XXXX and XXXX were prepared to gift the property to me, so that I could apply for a reverse mortgage. The mortgage is only in the name of XXXX XXXX. There was a 36 % equity in the property and I had funds to bring to closing for any shortfall in the equity requirement, which was over 37 %. 
I signed the application on XX/XX/2020. All requirements for documentation, income verification, credit report, bank accounts, etc. were supplied as requested. There was a delay in the appraisal of the property due to FAR 's tardiness. The appraisal was received at the end of XXXX for {$600000.00}, the amount stated on the application. FAR asked for a second appraisal, which also stated the amount as on the application. 
After continuous requests for further information and documentation, all of which was supplied, I was old by XXXX XXXX in XXXX that I had been approved but a few more items were required. These were supplied. 
I then heard nothing from XXXX XXXX and he would not respond to voice mails or emails so in XXXX I tried to contact FAR. I called the telephone number on the contract to get voice mail. I went on line and sent a message on the FAR site. I signed up on a XXXX advertising Campaign. I tried every telephone number that I could find and received no responses to emails or voice mails and no one could help me. 
Intermittently, XXXX XXXX would call and say it is going to happen but the underwriters just need more or updated information. There have been 4 requests for us to get payoff amounts from XXXX to XXXX. The last communication with XXXX XXXX was on XX/XX/XXXX, when he was supposed to find out about errors on an estimated settlement statement. There is a loan # XXXX on this statement as attached. Since then I have heard nothing.
Consumer complaint received 2022-09-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

XX/XX/2020 a collection was on my credit of {$3400.00}. From the original creditor of XXXX XXXX. That total amount is very inaccurate. I was never informed by mail, called, or any form of communication with this company.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CT)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-19
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: WELLS FARGO & COMPANY (SC)

I was contacted by Wells Fargo 's automated service on XX/XX/2020 of insufficient funds in my account. The auto-payment of the credit card, which had been suspended, was reactivated without warning and drafted from the wrong account. 

As a result, I have incurred a {$35.00} returned payment fee. It also seems my credit was affected. I made Wells Fargo aware on XX/XX/2020 by phone call that the amount needed to be reversed and all automatic payments needed to be suspended. I noted on this phone call that I would like written resolution, as well as an email confirming that I had contacted them on the matter. 

I received a confirmation of my complaint on XX/XX/2020 stating that the matter would be resolved, at the latest, within 10 business days. It has now been 11 business days and my account has not been credited with the fees that were erroneously charged to me after an automated charge that was cancelled was run against the incorrect account.
Consumer complaint received 2020-06-25
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. (TX)

XXXX/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I purchased special order sofa from XXXX XXXX in XXXX XXXX XXXX by opening a XXXX XXXX Credit Card with the choice of interest free for 12 months if purchase is paid within that period of with monthly interest. I chose to pay off account within 12 months interest free. I was informed at the time of purchase the sofa could take up to 10 weeks to make. More importantly when I received my first bill in XX/XX/XXXX which I paid however I noticed that I had been charged interest and called customer service immediately. I indicated the wrong account was opened as this was done via telephone by the design specialist who I was certain requested the 12 month interest free account on my behalf. I was informed the matter would be investigated and it make take a few weeks. Upon receipt of my next bill the issue was rectified to a 12 month interest free account. During XX/XX/XXXX and XX/XX/XXXX I called to check on the progress of the sofa but each representative I spoke to could not locate an order for a sofa! Finally in XX/XX/XXXX after another call to locate my missing order a representative suggested I telephone the store. Which took several calls and emails to learn that the sofa was never started! After escalating the matter to XXXX  XXXX who put a rush on the sofa to be delivered by XX/XX/XXXX. 
It was my understanding that the I would have 12months to pay off sofa it was my intention to pay off the balance of {$1000.00} in XX/XX/XXXX. However upon receipt of my XX/XX/XXXX bill I was charged {$830.00} interest in XX/XX/XXXX bring the outstanding bill to {$1800.00}. I called customer service and spoke to a representative by the name of XXXX on XX/XX/XXXX who indicated that nothing could be done and the 12 month period starts on the date of purchase. None of the paper bills I received indicated that the interest would be coming due and or that if bill wasn't paid in full in XX/XX/XXXX I would be charged interest. I think the practices employed by XXXX XXXX are unfair and deceptive, additionally designed to mislead the public.
Consumer complaint received 2018-07-25
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: Experian Information Solutions Inc. (MI)

I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against XXXX and Experian. Because at this time the above filed a complaint againt XXXX Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against Experian Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX that a true copy will be faxed to both XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and Experian : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TIDEWATER FINANCE COMPANY, INC. (KY)

Hello, The judgement date was XX/XX/2006 and I just received a garnishment to my wages in the amount of {$500.00} per month. The total they say owed is {$32000.00} with an interest rate of 12 %. Since XX/XX/2006 I have lived at two address and have not received any letters from any company that I owe this debt. Never received anything from the courts saying that I had a case and/or a judgement date. Is this something that is possible, that I know nothing of any debt and get a garnishment?

I do not know who, what or why I have this judgement. I declared bankruptcy twice, once when I was married and again after I was in an accident while working, I can not remember the dates. I tried to call the company XXXX XXXX XXXX and was greeted with a very rude and uninformative person at that company, they just told me that I owed the debt and there was nothing I could do. 

Please help, I have no idea what to do but can not afford {$500.00} being taken out of my paycheck each month.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Upon reviewing consumer reports I discovered a late payment on an account which Ive always maintained timely payments of consumer agencies play an important role in reporting consumers information correctly and accurately it is crucial that this information be published accurately I have never missed a payment on account for XXXX XXXX XXXX I request a thorough investigation into these discrepancies under 15 U.S. code 1681e section b and ask that statements be provided demonstrating the lateness of said payments if unable to furnish proof I demand these payments to be updated to reflect their true status of on time as I have consistently upheld my payment obligations without delay!
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NJ)

Threw XXXX XXXX from XXXX XXXX I purchased some items which I never received. It was a scam I disputed the transaction with XXXX XXXX they did nothing. I filed a police report and a complaint with the federal trade commission. My bank gave me a provisional credit then took the money back they are saying the transaction are valid. They aren't I was scamed. These transactions are fraudulent I never received any items for which I paid and I tried over and over to reach XXXX XXXX
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX  XXXX  - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXXXXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX  XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX accounts