davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mr. Cooper Group Inc. (DC)

I am desparate for help and am otherwise powerless to get credit for a {$1600.00} payment to Nationstar/Mr. Cooper debited from my XXXX on XX/XX/2021 via an ACH transfer. Nationstar/Mr. Cooper will not take action to either refund or credit my account for the {$1600.00} that they received on XX/XX/2021 despite numerous responses to their request for the federal ACH trace number. XXXX XXXX  has provided Nationstar/Mr. Cooper the ACH trace number- # XXXX four times. I have had four phone separate three way calls between XXXX and Nationstar. 

Can you please intervene? I do not know what to do. 

Additionally, it is incongruous that my account was debited for the {$1600.00} and also for another {$290.00} that I sent to this financial institution via XXXX through ACH on the same day at the time to the same address-neither remittance had an account number and Nationstar/Mr. Cooper returned the {$290.00} but will not return or credit the {$1600.00} it received via the same delivery on the same day. The {$290.00} refund proves that Nationstar received the ACH transfers on XX/XX/2021 from my XXXX account. 

Also, XXXX not only sent confirmation of payment to Nationstar at their designated mail depot, but to these two specific Nationstar agents XXXX and XXXX on XX/XX/2021. I also communicated with these agents stating that I was at the XXXX and they provided that Nationstar had received three separate communications with the ACH trace number # XXXX legally establishing payment to Nationstar.
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I have not received any response from these accounts I submitted for disputes : XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX CAP XXXX XXXX  Account # : XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions (OH)

When I asked them to cut what I owe in 1/2 the gentleman called me a XXXX XXXX XXXX so asked them to never contact me again and now they are calling my place of employment and harassing me at work.
Consumer complaint received 2021-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I filed a previous compliant today # XXXX. 
I would like to add that I would like to dispute the legal and foreclosure fees that I'm currently paying as the process was started in error. The foreclosure fees assessed where made after the payment was made of {$2100.00} and a request for assistance was made twice prior to this foreclosure step which caused the additional fees. I would like to know if I could pay the 3 months mortgage that is showing behind and make other arrangements for late fees as the mortgage repayment plan is high. Thanks
Consumer complaint received 2021-03-29
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: ENCORE CAPITAL GROUP INC. (FL)

I have been in contact with Midland Credit on numerous occasions which is the data furnisher to my personal credit. They are advising me that a law office XXXX and XXXX are now handling this file which. Midland Credit can't give me information in debt keeps advising me to give them a call meanwhile XXXX and XXXX is advising that they are NOT handling and have no records under my name, full social, telephone number or any information I have provided. This is hurting my credit and I am in the process of purchasing a home and this will prevent me from doing so. I was looking for a quick resolution but unable to begin to speak to anyone. I believe that this a violation of the FCRA and they should not be allowed to report things to my credit without being able to speak to Mr and provide details. I have even made attempts to do three ways calls and still no avail was I able to get a resolution.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/ I purchased a home and closed with XXXX XXXX ; Soon thereafter, they transferred servicing to XXXX XXXX XXXX. There was approximately {$6000.00} in escrow / impound to pay the property taxes when XXXX XXXX XXXX inherited the account which were due in XXXX. I contacted XXXX  on XXXX to inform them that I had received a new tax bill but the amount had not changed. I also inquired about payment of the XXXX installment because it was not showing up on their website as planned money going out. They assured me that the taxes will be paid. 

On or around XX/XX/XXXX, XXXX transferred servicing to Dovenmuehle Mortgage and the loan was transferred to XXXX XXXX XXXX. I have contact both XXXX  and Dovenmuehle several times regarding payment of property taxes. XXXX  says they no longer hold the servicing and can not do anything about it. Dovenmuehle says they will take care of it but then fail to do so. I can not get a supervisor to call me.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TN)

on XXXX I received an alert from XXXX concerning new activity on my credit report. this was a notification of a collection account with credence resource management. this collection was from XXXX XXXX  I have not opened and given permission to open any XXXX  accounts with att this account is due to identity theft please see attached identity theft affidavit.
Consumer complaint received 2018-07-27
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. (MO)

I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 )  Americllct - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Consumer complaint received 2023-03-29
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. 

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 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, 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 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 2022-04-06
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: Bread Financial Holdings, Inc. (TX)

FRCA Violation credit card COMENITYBANK/VICTORIA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Problem is with the holding of payments for 2 to 3 days when purchases get deducted instantly.

I've also requested a line increase year over year for the past 5 years without success.

Capital One seems to be okay with processing charges on a minutes notice but my payments stay in transaction limbo for 24 to 72 hours and the only reason they give is, that there are transactions pending.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Midland Funding LLC Date opened XX/XX/2017 Balance {$1400.00}
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

Leased XXXX XXXX XXXX from XXXX XXXX  in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX  was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX  and GM Financial to get help and they do not return my calls.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted Equifax and XXXX XXXX and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.
Consumer complaint received 2020-09-07
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)

in response to Experian, I XXXX XXXX, am a victim of identity theft, I am not a third party or a credit fix it person.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

The lender PHH Mortgage has charged late fees to my account in the amount of {$29.00} on twelve different occasions for a total of {$350.00} despite the fact that I have never paid my mortgage late. In fact I make additional payments by paying half of my monthly payment amount every two weeks instead of one monthly payment. After numerous calls with the lender as the late fees have accumulated, no agent of PHH ever said that this payment schedule should be halted. In my interactions with the agent they seem to understand the pattern of payment and state they will file the documentation to reverse/credit the late fee. The rectification never occurs. After reaching my current frustration level, I refinanced my mortgage with another lender. Now that the PHH mortgage is paid in full the company refuses to pay to refund the late fees even though the statement of account transactions show that no payment was ever missed or was late. Each week for the past 5 weeks someone tells me to call back in 7-10 days to follow up. I have escalated to managers with no explanation for how these fees are justified and why the refund can not be made.
Consumer complaint received 2018-07-27
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. (TN)

I have sent letters repeatedly to XXXX, XXXX, and Transunion asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Choice Recovery, Inc. (NE)

Letter dated XX/XX/2020 from Professional Choice Recovery , Inc says, in part, " You have not responded to our previous request for payment in full. It appears you are failing to cooperate '' Towards the middle of the letter states " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose '' There is no language, wording, or indication that I can dispute the validity of the debt anywhere in this letter. The failing to cooperate sounds as if I have a legal obligation to cooperate with this debt collection agency which is shady since they are failing to cooperate with the laws around debt collecting.
Consumer complaint received 2019-08-17
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I filed for bankruptcy chapter XXXX  on XX/XX/2018my attorney included all my debt I was told that I could reaffirm my auto loan with Wells Fargo dealer services I contacted WFDS & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid WFDS $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Hello,Company: Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  OH XXXXDate: XX/XX/2019Amount: $XXXXI purchased my home In XX/XX/2019.  The loan has transferred twice in three months, from XXXX to XXXX XXXX XXXX (XXXX), and now to Shellpoint Mortgage Servicing.I made one payment to XXXX, one to XXXX, and just paid Shellpoint on XX/XX/XXXX.  Shellpoint shows no record of my payment, although I paid through XX/XX/XXXX XX/XX/XXXX via XXXX XXXX XXXX.  XX/XX/XXXX sent the payment to their electronic account on file with my Loan Account Number documented.- I have provided XX/XX/XXXX Proof of Payment--as requested from Shellpoint, with still no resolution.- I have called Shellpoint multiple times, on hold and unable to get through- Shellpoint forces me to leave a message, and I have never been called back- I messaged them via email and secure login, and still no resolution despite submitting documentation
Consumer complaint received 2022-04-27
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: EQUIFAX, 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 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 the information is inaccurate