davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (PA)

we had a mortgage with XXXX XXXX XXXX it was a baloon and was to be paid off in XXXX. XXXX recommended a refinance, and that new rez was who they recommend, we started the process. the two companies are connected, which we didnt realize. XX/XX/2021 our loan with new rez was conditionally approved. they said you have excellent credit and we figured everything was in the works.documents all signed and sent. since then everything has stalled. So many excuses.first our loan officer quit. covid. tech difficulties etc etc etc. they tell you dont apply for other loans it may affect your loan so we waited. we have a loan number and an account with new rez but still no information.we have called emailed and get no response. XXXX will not take any payments yet they send a bill every month with XXXX and new rez letterhead. new rez c/o XXXX XXXX XXXX now after months of not paying payments they reported it to credit angencies that we are late we have all the payments saved to pay, we want to pay our mortgage, but not anyone in either company is helping us or calling or emailing we feel like they are litterally trying to steal our home PLEASE help us with this stressfull costly situation.
Consumer complaint received 2015-06-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.
Consumer complaint received 2020-10-17
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: ProCollect, Inc. (TX)

On XX/XX/2020 I sent my first Debt Validation Dispute letter to the credit bureaus, then I followed up and sent a 2nd letter on XX/XX/XXXX because I have yet to receive a response from my debt validation request with my signature proving that I owe this debt. Therefore, I want it removed permanently from all 3 credit bureau reporting agencies. The amount that they claim " I owe '' is {$650.00}.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NC)

I refinanced with Quicken Loans last year. They apparently greatly under estimated my escrow by over {$1500.00}. If I do not pay the total shortfall my new monthly payment will be over {$2300.00}. This is more than I was paying with my previous mortgage company. I do n't believe the tax value on my property increased that much to have missed by such a large amount.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT
Consumer complaint received 2022-02-09
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: LEXISNEXIS (NC)

LexisNexis is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that LexisNexis has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party LexisNexis. In addition, XXXX, XXXX & LexisNexis refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, LexisNexis will NOT furnish documentation that my file is permanent on freeze & suppressed.
Consumer complaint received 2015-06-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

In XXXX 2010 I got a mortgage through M & T bank on a home thatneeded some repairs so I took extra money out to do repairs thebank told me it would make my loan go faster if I got a contractorsquote I asked them several times if I could still do the work myselfwith a contractors quote they told me yes well needless to say itdid not turn out that way after the closing I never received any of theextra money. I could not live in the home until these repairs wheredone and the bank knew this. XXXX years ago the bank tried toforeclose on me I got a lawyer and we went to court the judge toldM & T they had to redo my mortgage at the original purchase price. 
My lawyer sent M & T everything they needed to redo the loan. 
A month later my lawyer calls me and says M & T sent him a letterstating that they did n't get everything they needed but did not tellhim what we where missing when he called no one got back to him. 
Now I have to go through this again and I must say I 've had enoughM & T to this day has yet to send me a mortgage statement. Now theysold my mortgage to XXXX and I have called them and left messageand no one calls me back. 
I have e-mails from M & T about getting the extra money I borrowedI have XXXX that says they mailed my check out when I did n't receive itI called the lady and she told me that e-mail should of never went outif that 's the case why was it even typed up and sent. 
At this time I have no idea of where to turn. Although I am sure I shouldbe able to sue M & T for predatory lending.
Consumer complaint received 2022-02-09
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: Westlake Services, LLC (CA)

XXXXWestlake ordered a credit report hard inquiry WITHOUT my signed authorization! Per F.C.R.A., either have them provide a signed authorized application document with my ( XXXX XXXX ) signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Consumer complaint received 2020-10-17
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: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am reviewing my credit report and I see I have an unknown hard inquiry from XX/XX/2019 on my account from " XXXX ''. 

I am completely unfamiliar with this nor did I apply for anything around that time.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I discovered fraudulent withdrawals from my debit and reported it to Bank of America and filed report with XXXX XXXX police dept. 
the withdrawals were made at atms at 5 different banks and emptied my card XX/XX/2021 XXXX XXXX {$800.00} XX/XX/2021 XXXX XXXX XXXX {$800.00} XX/XX/2021 Bank of America {$800.00} XX/XX/2021 XXXX XXXX {$980.00} XX/XX/2021 XXXX XXXX  {$500.00} I filed a claim with Bank of America on XX/XX/2021 I immediately filed police report with XXXX XXXX police next morning when they opened The bank removed that debit card and sent new one on XXXX XXXX. 

I called every day and a copy of police report as soon as I could I could not get anything but that it was being investigated every time I called then on XX/XX/2021 the withdrawals being investigated showed up as temporary adjustment credits then on XX/XX/XXXX I received a letter ( that was dated XXXX XXXX ) saying the transactions were authorized and posted correctly and removed the money. 
This was done even though there is evidence found by police and XXXX XXXX XXXX to prove it was fraud.
Consumer complaint received 2015-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Over the last several months after seeing a new account listed on my credit file I contact Chase Bank only to be informed that I had opened a charge account in 2008. I notified their offices along with the credit bureaus only to be told the account in question was sold and they no longer have record. I then provided them with a copy of a law enforcement report and affidavit only be told that was not sufficient.
Consumer complaint received 2024-01-25
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. (NY)

I am writing to dispute the validity of the debt referenced in a notice I recently received. 

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state. 

Please suspend all collection activities until this debt is validated. These accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature. 

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (WI)

By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2016-06-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Google Compare Credit Cards Inc. (OH)

XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Called to complain about a fraudulent service I received. The credit company reimbursed my credit card and said they would look into my claim. 2 months later I seen on my statement that I was charged again for the original fraudulent amount. 
I called the credit card company and they told me that since they did n't receive a letter from me about my claim that they closed the dispute and charged me the full amount. I told them I never received the letter since I am retired and have been on vacation for 2 months. Capital One told me no problem, they would reopen the case and send me another letter. 6 weeks later I talk to the Capitol One and they tell me that they can not reopen my dispute!! Since I originally did n't mail them the letter ( that I never received ) they ca n't reopen the dispute. I said why did n't you tell me that 6 weeks ago!!
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc. (TX)

I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

My ex wife is the successor in interest on my mortgage loan, and I am the primary borrower. Caliber home loans is the servicer, and they allowed her to change the homeowners insurance. They have said successor in interest is allowed to make changes to the mortgage. They say they are following federal and state guidelines, yet repeatedly refuse to tell me what those guidelines they are following. They refuse to send me any documentation regarding those guidelines.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Continental Finance Company, LLC (NH)

I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am outraged by the persistent presence of a fraudulent account on my credit report, despite filing a report on Identitytheft.gov and the bank confirming its validity. Unable to provide records, they assured immediate removal. I demand the removal of this fraudulent account. 
Account Details : XXXX XXXX XXXX
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I have made several attempts to address this ongoing problem with the original debtor and the previous collections company. This account was a fraudulently obtained account in my name and although I have attempted several ways to resolve this issue they continue to send collections notices from new collection companies. This is the 4th notice from a second collection company for this same debt incurred as a result of identity theft.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

My home of 27 years is being foreclosed on by XXXX, from an IndyMac loan. I wanted to apply for consideration under the settlement agreement DOJ vs XXXX. My loan is being serviced by Ocwen Loan number XXXX the name on the Loan is XXXX XXXX. 
I am trying to sell the home but XXXX gallon in ground oil tank, a 112year old clay tile roof, a 60 year old leaking steam boiler, and an asbestos abatement problem require a six figure investment before a sale could go forward. If there is an application for assistance or consideration I would appreciate your help. My wife and I are both XXXX declared bankruptcy in XX/XX/XXXX due to the mortgage issue with ocwen when they changed the terms of our loan in XX/XX/XXXX not only switching to a libor adjustable rate but the payment options were reneged on. 
Is there a way to apply for consideration under XXXX settlement? 
Ocwen has not been able to help. 
Contacting the bank directly has not gotten any response. 
Thank You XXXX Thank You, XXXX XXXX
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.