davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MN)

We have been responsible homeowners since XX/XX/XXXX, owning our first home and selling it in XX/XX/XXXX with proceeds of {$25000.00} applied to your second home which we currently own. When the Great Recession hit, we kept our jobs and continued to pay on the house. We had an 80/20 mortgage, with the first ( $ XXXX ) handled by XXXX and the second ( $ XXXX ) for a total of $ XXXX by XXXX XXXX XXXX in XXXX. Our loan was temporarily lost by XXXX then rediscovered during the financial crisis. 

We received a modification by XXXX. We continued to pay XXXX all along. Both loans were eventually sold to Shellpoint. 

We paid both regularly until XX/XX/XXXXwhen I was laid off from my job after 13 years, after having to train my XXXX year old co-worker in. We continued to pay despite the financial hardship and Shellpoint worked with us. In XX/XX/XXXX, Shellpoint granted us a modification of {$210.00} which we thought included both loans and gave no indication otherwise. We accepted although our payment was increased to cover missed payments, therefore making things even harder. 

In XX/XX/XXXXwe decided to sell and move as homeownership was deemed too unfair and granted no reward for trying to do the right thing. The market in our neighborhood was on the high upswing and our house went from being under water during the recession ( valued at {$140.00} ) to {$260.00} or more in XX/XX/XXXX. All other houses and owners were getting proceeds from sale. On the day of the closing ( XX/XX/XXXX ), the realty company ( XXXX XXXX ) told us we were underwater plus owed Shellpoint {$11.00}. Shellpoints payoff required $ XXXX on the primary loan including $ XXXX in fees and deferred principle, plus $ XXXX on the second loan, requiring total payback of $ XXXX. This is far in excess of what we purchased the property for initially for in XX/XX/XXXX,  and absent of any equity in 13 years living in the property! Moreover, at the time of sale, our first mortgage, which had been paid down to $ XXXX had $ XXXX of principle added to it by Shellpoint during the modification, unbeknownst to us, while the second loan was at about $ XXXX after 12 years of steady payment i.e. no reduction at all. We decided not to sell as this seemed an egregious act of deception and mortgage manipulation as well as placing homeowner at a complete disadvantage financially. We have been under a forbearance by Shellpoint until XX/XX/XXXX. This is an intolerable situation and manipluation of homeowners. Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2018-02-19
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: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 XXXX
Consumer complaint received 2020-01-27
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: EQUIFAX, INC. (CA)

This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with XXXX, equifax and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately
Consumer complaint received 2018-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (WI)

We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}
Consumer complaint received 2018-02-19
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. (PA)

On XX/XX/2017 a balance of {$1700.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act.This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

To whom it may concern, Through multiple conversations with representatives at Mohela regarding expected timelines of when payment counts will be updated, what payment count I could be expected, and what the specifics of the TPSLF requirements would apply to my loans, I seem to be receiving conflicting information. Even for seemingly simple straightforward information, such as " expect an update in 90 days '' from submission of a document, then turned into " XXXX business days '' when I contacted at the 90 day mark. Only then, when I reach out at 90 business days from processing, does it turn into " 90 business days following a decision being made. '' Which then results in an XXXX of 2022 XXXX still not being reflected on my portal 144 business days later. This is particularly upsetting as I believe I have reached 120 payments if the proper counts according to XXXX were applied. Additionally, I have been concerned that I have 8 total loans, and 2 were knocked off schedule due to an administrative error, fixed within the last 6 months, to only now be off scheduled again. This is particularly difficult, as I had been counseled by XXXX XXXX out of consolidating them because " They will all be counted to the higher of the loan payments and continue to move as a group. '' The wait times, conflicting information, and what responses that are being provided have now exhausted my patience, as there have been at least 2-3 XXXX submissions before the XX/XX/2022 that were never processed.
Consumer complaint received 2022-05-02
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: CAINE & WEINER COMPANY, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX account # 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.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lakeside Recovery Solutions (PA)

I guy named XXXX XXXX said he was from lakeside recovery solutions said I owed a credit card account of XXXX but I would have to make a lump sum of XXXX or 6 payment of XXXX and had make a decision my the XXXX of XXXX or the would sue me and garnish my wages and send sheriff to serve mr papers
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TN)

The company has called me a few times. Neither time have I answered but they have left a voicemail with personal information on the voicemail. They dont know that the number they have called on is my phone number. They told me in the voicemail how to pay the bill and the account number that is listed with them.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has on my credit File Names Reported : XXXX XXXX XXXX XXXX I have never used this name nor ever applied for any type credit under this name. Transunion needs to provide proof/documents as to this name or Remove/Delete from my credit file.
Consumer complaint received 2018-02-19
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: ALLY FINANCIAL INC. (PA)

On XX/XX/2017 I never gave my permission to this company to check my XXXX XXXX and they did Hard inquiries Institution Information Ally Finan I XXXX, MN XXXX
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

XXXX 's showed up on my credit acct number XXXX on XX/XX/18 with amt od {$0.00} please have them remove this acct. I do have a XXXX acct but it is a different acct number and this one is not mine
Consumer complaint received 2022-05-02
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: Credence Resource Management, LLC (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my frustration and dissatisfaction with the numerous unsuccessful attempts to correct a late open account associated with my profile. Despite my persistent efforts and multiple communications with your institution, the issue remains unresolved, causing significant inconvenience and concern. 

I have diligently followed the procedures outlined by your institution to rectify the late open account. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the issue persists. 

It is deeply concerning to see that despite my repeated attempts and persistence, the late open account continues to negatively impact my financial standing and reputation. This late open account not only affects my credit score but also raises questions about the accuracy and reliability of your institution 's records and processes. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of the late open account on my profile have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect accurate and up-to-date information on my account. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle customer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that the late open account be promptly corrected and updated to accurately reflect the actual opening date. Additionally, I expect measures to be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards correcting the late open account on my profile. 

Please consider this letter as a formal complaint regarding the handling of the late open account associated with my profile. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my account information. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}.
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (GA)

I didn't authorized / authorization viewing of credit report " INQURIES ''!!! 
( Identity Theft Victim / Equifax Data Breach ) Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my HUD XXXX XXXX, XXXX XXXX, XXXX and In XXXX I ended up submitting a complaint to the CFPB ( XXXX ) because I was getting mixed responses from Selene Finance on the status of my application submission. After CFPB became involved, I received a call from Selene Finance advising that my application was complete and that the underwriter submitted the modification proposal over to the investor. 
I was then contacted by XXXX XXXX from Selene Finance and was told that they should be hearing of a modification approval by the investor by XX/XX/XXXX. On XXXX my XXXX XXXX tried to reach Selene Finance and after no success. I called in and was told by Customer Service Representative that my loan modification proposal was still being reviewed by the investor but that I should be hearing back from them by XXXX. On XXXX I tried reaching out and was unable to reach XXXX XXXX. I gave it another week and reached out to Mr. XXXX then advised that my proposal was still being reviewed by the investor and that I should wait another week. It is now XX/XX/XXXX and as of today, my XXXX XXXX was advised that my loan modification proposal was still being reviewed by the investor. 
The concern my XXXX XXXX has is that after 30 days Selene Finance or the investor can come back and ask that resubmit the loan modification application because the documents I submitted back in XXXX are no longer valid after 30 days. Therefore, shes asked to reach out to you for further assistance. 

XXXX regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-05-02
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. (OH)

I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.
Consumer complaint received 2023-04-03
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ROCKY MOUNTAIN MORTGAGE COMPANY (TX)

I have contacted Rocky Mountain Mortgage, I have never denied paying the alleged debt owned. I have told the numerous times that my wife would be the best to contact. I also have asked her to email them about the payment, her response was that if the full amount was not given by XX/XX/XXXX after telling and explaining my situation. 

I had no options, I am aware of the rights I have and however it is has been a hassle. I received a call XX/XX/XXXX at XXXX demanding full payment and attorney fees if I wish to keep the home.

I am asking through this method that you please provide me with a full forensic audit.

The first time we requested assistance because of covid we were denied for any grants. They granted a special forbiddance, but no covid grant. I am now going to exercise my rights and get everyone involved.
I will also put the sec.gov in notice and few more agencies.
Consumer complaint received 2021-09-08
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. (MS)

Collection agency [? ] XXXX XXXX Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (GA)

Ive been a victim of identity theft, Ive sent FTC report to both Equifax and XXXX. The following account doesnt belong to me. Please see attached copy of FTC report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 : # 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 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, 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 2022-05-02
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: EQUIFAX, INC. (AL)

I am a victim of identity theft. Attached is my formal letter requesting removal of fraudulent accounts, police report and id theft affidavit. I am representing myself, so please do not respond with a templated answer.