davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

New rez bought my loan back in XXXX or XXXX. My payment WAS XXXX and I had just refinanced the year prior so I know all the numbers were correct. Newrez didn't have my loan but maybe 2 months before they raised my payments by almost 90 a month. They first told me we had an increase in taxes. ( I am the # XXXX XXXX XXXX XXXX and XXXX XXXX in my community so I knew that was untrue ) the second call they told me that the escrow department REFUSED to look into it. They are holding almost 1500 MORE than my taxes and insurnace is. I plannned on refinancing but now I have to wait until we are back to work. Then they send me a letter stating they put us in forbearance. We didn't ask for that. Being in the industry i would never ask for that. I know how misleading and damaging that is to someone credit. I requested a call back 3 times ( still haven't heard anything ) on why they did anything with our loan. I just logged on to pay my XXXX mortgage and once again they raised it by another XXXX dollars. They are already holding an extra XXXX dollars. My taxes are about XXXX ( and that is guessing high ) my insurnace is XXXX ... they are holding XXXX a month. Over 6500 a year. This is uncalled for and I believe an abuse of power. I have sent my mortgage info in to the XXXX, state attorney General, you ( now for the 2nd time ) and several mortgage brokers i do business with and all.of them have said this is NOT they way mortgages are to be calculated. Not one. 

This is my second time filing this complaint and the company did nothing but make excuses the first time. What they are doing is wrong and unethical. I have spoke over 50 shell point customers in my area and not one had good things to say. Not one. 

I am looking for the consumer finance department to please help me before I am forced to hire a lawyer.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (AZ)

On XX/XX/XXXX, at about XXXX, I received a call from someone names " XXXX XXXX '' who claimed to be an independent processor. His number was restricted. In his voicemail, he claimed that he was going to serve me at my residence with papers and to call a company called " XXXX '' if I had any questions. The number given was XXXX, and he gave me a case # XXXX. A man answered the phone after about 2 rings ( I forgot to record his name ), and promptly put me on hold. When he returned, he stated that for privacy reasons that I needed to confirm my last four of my social, which he read to me. This was my first indicator of potential fraud as anyone could simply agree that was their last four. He then preceded to tell me it was from XXXX XXXX, who I have never had an account with, and that it was from XX/XX/XXXX ( 11 years ago! ). I notified him of the statute of limitations, and he quickly became defensive and rude. As I continued to talk to him about my doubt of their legitimacy, he became angry and hung up. After some research online, I have found that this company is notoriously known for attempting to scam people for illegitimate debt, and was advised to file a report.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX.
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CT)

In XX/XX/XXXX I started to repay my student loans from the State University of XXXX XXXX - College of XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My payments were just under {$500.00} per month ( approximately {$480.00} ) In XX/XX/XXXX after paying close to {$60000.00} ( over what I originally borrowed ) I stopped paying. 

In XX/XX/XXXX, a garnishment was placed on my paycheck and now {$220.00} is taken each paycheck for the past year and a half. Also my XX/XX/XXXX income tax return ( {$4600.00} ) ; XX/XX/XXXX income tax return ( {$3000.00} ) ; and XX/XX/XXXX income tax return ( {$750.00} ) have been swept.

As of XX/XX/XXXX approximately {$9000.00} of income and {$8400.00} of income tax refunds have been taken for a student loan debt that has not already been paid off but supposedly still is {$60000.00} of a remaining balance. 

At this time I am requesting that my Public Service Loan Forgiveness approval be activated so this can be resolved and the garnishment be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Consumer complaint received 2024-02-08
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. (TX)

Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, XXXX, Equifax, and XXXX is in violation of 15USC 1681. 

XXXX acct # XXXX
Consumer complaint received 2024-02-07
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. (RI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 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 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

See attached document Chase is refusing to credit me money that was stolen from me after I was pickpocketed and robbed while on vacation in XXXX XXXX. 

The criminals were able to use my login credentials and used my XXXX, XXXX XXXX, and XXXX accounts to make unauthorized transactions. 

Chase refuses to help me out despite this, even after writing a XXXX page report detailing what happened the night I was victimized.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I have Never applied for an auto loan with TD bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (AZ)

XXXX This is my Equifax file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems Equifax has responded, but failed to fully reflect all the way through the report the same correction. If they are to repair the problem and therefore, do not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604, they should have it corrected all the way through! 

They have not attempted to fix ALL of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared, which they haven't done because they seem to be reporting one thing and not the other, which is all backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' They have not removed the bankruptcy from my public records file as per my complaint and the proof from a bankruptcy statement from the Arizona Bankruptcy Court that that they do not share information to third party agencies according to 15 USC 6802 ( b ) ( c ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax never informed me of my right to exercise my nondisclosure option. 

There are many more codes that defend my rights, but for now, this is negatively affecting me and I want it fixed immediately! Not only that, but they haven't even attempted to fix the easier things like the number of my names on my account, I only have one name, XXXX XXXX ; my work history which is wrong and completely inaccurate and finally an account that I NEVER had that is still on the report. It's not my account and never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! Finally I am opting out of your reporting services per 12 CFR 1016.7!
Consumer complaint received 2022-10-03
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. (LA)

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX  xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (AL)

I had several ( 1 checking and 2 savings ) accounts with BBVA Compass. I opened these accounts in XX/XX/XXXX to participate in a XXXX promotion. By making monthly transfers ( {$380.00} each ) to the savings accounts from the checking account, I received an annual bonus ( {$250.00} ) in both of the savings accounts. The promotion was for 2 years. My last transfer was on XX/XX/XXXX to get the last bonus. On XX/XX/XXXX, I received a {$38.00} NSF CHARGE-RETURNED ITEM {$380.00} XXXX from BBVA Compass. I called a bank CSR on XX/XX/XXXX, and he reversed the {$38.00} charge. I told him that I could n't see online that there were anymore automatic debits into the savings account. He said that he could n't see any remaining automatic debits, either. I told him that I wanted to close my account to be on the safe side, as well as I no longer had a need for the account since the promotion had terminated. He wanted me to go into a branch location. I explained that I had moved since opening the account and that there were no branches in my current state or the adjacent states. 
I received notification in XX/XX/XXXX that BBVA Compass wanted me to pay {$140.00}. Online, I determined that the charges were as follows : XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} BMS - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} 10/18/2016 NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} Before this time period, I had not received any fees or service charges on the account when I actually wanted the account and was using it. 
The account was sent to the XXXX XXXX ), their charge-off or collections department. I contacted XXXX in XXXX XXXX and explained the situation. They referred me to BBVA Compass, which referred me back to Northland Group. It was a perpetual cycle in futility. I finally spoke with a supervisor at XXXX XXXX who said that I could dispute the debt and that it would return to BBVA Compass. I disputed it and follow-up with several phone calls. I still continued to get each BBVA Compass telling me to contact XXXX and vice-versa. Today, the XXXX XXXX told me that the account is in inactive status and that I had to contact BBVA Compass. The BBVA Compass XXXX made several calls XXXX to include calling the charge-off department, which is XXXX XXXX XXXX and spoke with his supervisor. He then advised me to speak with the BBVA Compass disputes department. The disputes department said that she was escalating my issue and that I will receive a call within XXXX hours. I have spent more than XXXX hours on the phone on at least XXXX different days trying to resolve this matter over the past 4 months, to no avail. 
The corporate office is in XXXX, XXXX with a listed number of XXXX XXXX XXXX XXXX XXXX. I would have contact that office if I could conveniently dial international phone numbers.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (NV)

https : //www.expertcreditsweeps.com/ This company led by XXXX XXXX is scamming 100 's if not thousands right now! 
This is infomation of some of her recent high dollar scams!!!! 

XXXX XXXX XXXX XXXXXXXX Please investigate her company she charges upfront fees for services not even rendered!!! 

https : XXXX
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

I made a prior complaint under Case number : XXXX. I received a written response from US Bank ( not within the timeframe ) advising that I would get a final written response summarizing the completion of my lease and any amounts owed. My lease terminated in XXXX, 2016 and I have yet to receive this promised statement. I am unsure if there was actual receipt of my returned vehicle. I am unsure if there are any outstanding charges that may impact my credit score. I am unhappy over the broken promise as well. I would not recommend auto financing with US Bank to any consumer given my experience.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-13
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Dear CFPB, I am a Veteran and I have filed a complaint that requires me to send documents explaining the case to the veteran 's military division of the CFPB, but I ca n't find the address for military complaints, I have 140 pages of evidence and statements, and I am worried that my complaint did not go to the military division. Please provide me a paper mail address at XXXX///the Complaint number is XXXX. Currently Carrington Collection Agency who is impersonating mortgage servicers is using the 60 day continuation they asked for to commit additional debt collector harassment. I will attemp to attach some documents.
Consumer complaint received 2016-05-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have been trying to get Carrington Mortgage to resume Reporting to the credit bureaus the mortgage payments after my Chapter XXXX Bankruptcy for quite some time with no success. I have already provided the signed letter and borrower authorization within the same letter to permit Carrington Mortgage to resume reporting to the credit bureaus by my attorney. Numerous attempts have been made to get someone on the phone who can help me in this urgent matter in a timely fashion. To my surprise no progress has been made just empty promises.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested information on the reporting to my account in which Transunion states they verified XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ; however, I have in hand a letter stating otherwise. This court did not report any information to my credit report and states they are not responsible for the use or misuse of any information gathered by third parties. Transunion has lied and yet to produce anything from XXXX XXXX XXXX XXXX that gives them the right to place anything on my credit file on XXXX XXXX XXXXXXXX XXXX behalf. I requested documentation from XXXX XXXX XXXXXXXX XXXX and Transunion has filed to provide documents from XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NV)

Coinbase is currently holding almost {$1000.00} of my money and refuses to return it to me. 
On XXXX I made a Deposit to Coinbase using their website. A user interface bug ( which automatically changed the selected network ) caused me to send currency to Coinbase on a network they claim is unsupported. I contacted them about this immediately and they said they did not support that currency ( UDST ) on that network ( XXXX  ) at the time. They support both XXXX and USDT separately, but not together. They claim they can not recover these funds, but the fact is that they can- they just don't have an automated system to do it and they do not want to spend the time to help. Coinbase holds the private keys to the address the funds have been " incorrectly '' deposited to due to their user interface issue, and they refuse to do the work to return the funds to me. I waited for about a year for this network to be supported and it still isn't. I contacted them again on XXXX and they still say they do not support USDT on XXXX and that they will not do the necessary work to return my funds to me. This is the transaction in question : XXXX XXXX XXXX The original case number from XXXX is : Case # XXXX The new case number from XXXX is : Case # XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IA)

I apparently have a credit card debt to JP Morgan for {$1900.00} and I do not know what it is From or too whom to pay? I had recently paid off all my credit cards yet my credit report claims this debt. I have no idea of how to pay it or whom to pay it to ... .can someone help me with directing to me to phone numbers that no one ever answers?