davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

In the Fall of XXXX, I received a letter from NewRez Mortgage / Shellpoint Mortgage Servicing in the Fall of XXXX indicating that I do not have home insurance and I will begin to pay for the lender-placed policy. I followed the instructions they sent to upload my policy information. 

In XX/XX/XXXX, I received a letter notifying me of my new payment amount because escrow is being set up on my behalf although I have always paid my own taxes and insurance. I sent an email to NewRez on XX/XX/XXXX reminding them that I pay my own taxes and insurance and to please update my account. 

In XX/XX/XXXX, I received a letter stating that my payment was past due. I called on XX/XX/XXXX and explained my situation to the rep. He acknowledged that he sees on my account that I am and have always been current with my payments and he saw that I pay my own taxes and insurance. He assured me that he would get the records corrected so that I would no longer receive these letters. 

On XX/XX/XXXX, I received a letter about my missed payments and the credit bureaus have been notified about my late payments. A hardship package was also enclosed. I checked my bank account to confirm that my last few payments went out. I tried contacting the mortgage company but have not been able to get through due to " high volume of calls due to Covid-19 ).
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

my mother got behind on her mortgage because of XXXX and she had a fire that destroyed the house and we had to pay XXXX mortgages and she couldn '' t do it. XXXX to rebuilt and another to pay her mortgage to nationstar.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data International is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692a, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. IQ Data International continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct IQ Data 's records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX  complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, IQ Data continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Consumer complaint received 2022-08-25
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. (NM)

There is a false negative item reporting on my credit report on all three credit bureaus. I've contacted the creditor, and they have confirmed it's a mistake and should be deleted. I disputed the incorrect info and the 3 credit bureaus all came back saying it was verified with the creditor. I have asked for the method of verification and they have all 3 ignored me. 
I have confirmed, in writing, from the creditor that they NEVER received any verification request from any of the bureaus. This is illegal and this has absolutely affected my livelihood by tarnishing my credit for years.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

I closed a truist account at least two months ago, I cant remember the exact date. I had opened the account on XX/XX/XXXX and closed it shortly after mom died in XXXX. I had opened a joint account it to help her since she had XXXX. About a month later i no longer needed the account since my main bank is XXXX XXXX. I closed the account at truist over the phone and asked them to send me a cashiers check for the {$400.00} or so odd dollars that was in the account. To date I have not received my money and have had 6-7 interactions with them mostly on the phone but once at the branch in XXXX XXXX XXXX XXXX XXXX. They have told me time and time again that it is coming and after they determined it might be lost on XX/XX/XXXX they said theyd escalate it but as of today, after another interaction with customer service they still can not tell me when Im going to get my check.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

On XX/XX/XXXX I conducted an analysis of my principal payment owed and noticed a difference between what NewRez says the principal amount is versus my analysis. I looked through my payment history and identified the mistake. On XX/XX/XXXX I sent a principal only amount ( labeled on check with account number ) in the amount of {$8000.00}. For some reason a person at NewRez split that amount into a principal only payment of {$5800.00} and a regular payment of {$2100.00}. That should not have happened because I made my regular payment of {$2100.00} on XX/XX/XXXX and the XXXX payment of {$2100.00} on XX/XX/XXXX. I notified NewRez via email about this problem and the check of {$8000.00} and have received no response other than they received the email and will respond as soon as possible. I called NewRez on XX/XX/XXXX and the person I spoke with said it would be taken care of in 1 week. One week has passed and the principal amount owed is not correct. I can not refinance my loan until I know the correct payoff amount. As of right now, NewRez has done nothing.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

All three credit agencies fail to show that I have a credit card account with Citi. I opened this account in 1991, over 30 years ago, and have maintained it open continuously since that time. This is the only revolving credit account that I have open and I have no other debt, although I have 30+ years of excellent credit. I haven't used my Citi credit card for about a year, which resulted in Citi no longer reporting my account to the 3 credit bureaus. Because they don't report my open account ( which has a {$25000.00} open and accessible credit limit ), all three bureaus no longer show that I have any open accounts and don't recognize that I have had this card with excellent payment history since 1991 ( my oldest credit account ). This has caused my credit score ( previously XXXX in XXXX of this year ) to simply disappear from all three bureaus. I used the Citi card a couple of weeks ago, which Citi says will result in their reporting again to the three bureaus ; however, in the meantime my process of applying for a new mortgage has been completely de-railed. I have two inquiries on my account by the two lenders that both denied me due to the lack of a credit score. I will now have to get two more inquiries on my account if and when the score is re-instated. These extra inquiries can hurt my score. I tried to get Citi to proactively submit the past year 's worth of account status to the credit bureaus, but they insist that they must wait until the next billing cycle, which will be too late for the loan/home I'm trying to purchase. It's unfair to me and unfair to lenders that check my account right now and don't see that I have an open and accessible $ XXXX credit line with Citi, because that card and credit line are not being reported. Going forward, I will use the Citi card more often, but there is a problem with the system if and when banks are not required to report all open accounts to the credit bureaus, regardless of whether or not they have been used recently.
Consumer complaint received 2022-08-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

Last year I went through a time of fore bearance with my mortgage with XXXX XXXXXXXX XXXX. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that XXXX XXXX XXXX reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with XXXX for XXXX years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for XXXX years without me having any options. There have been several calls from representatives of XXXX to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX Balance {$XXXX} XXXX XXXX  XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX}
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX Ph. XXXX I called the company that bought out my loan from another company who originally had it. I agreed on an amount with them and my account would be considered paid in full. I paid it on XXXX of 2015 and they still have no reported it, so that it shows on my credit report. Every time I call them they say to call the original owners of the loan. which I did and they keep tell me that its not their responsibility.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (SC)

XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (VA)

My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.
Consumer complaint received 2022-06-25
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. (NY)

N accordance with the fair credit reporting act XXXX account * has violated my rights. 
*-accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Mediation Service (CO)

Received a phone call from XXXX on XX/XX/XXXX. The lady XXXX stated she had a voice recording from a magazine subscription service and that I had stopped paying them in XX/XX/XXXX. She said that I was being taken to civil court and owed {$1900.00} to the magazine service but that she had worked a deal with them and I could pay {$290.00} today and have the debt go away. This was for magazines i did not purchase. I asked her to send documents with information and she sent a form to fill out my credit card info. She gave me till XXXX today to pay or face civil action. There is no record on any credit reports of debt owed to a subscription service.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R & B Corporation of Virginia (IL)

On XX/XX/2017 I spoke with XXXX ( extension XXXX ) at Credit Control Corporation who was not able to give me any information on the alleged debt that I owed and refused to answer any of my questions. She was not able to provide me any form of evidence with my signature on it between me, them, or XXXX. I have no dealings with this company and owe them no debt. They are illegally reporting this on my credit profiles and it is adversely affecting my credit score. As of today XX/XX/2017 I called again and spoke with XXXX who again was unable to send me any information with my signature on it on any agreements or contracts between me, them, or XXXX. She told me that the itemized statement is enough to validate it and it is not.They have absolutely no documentation whatsoever with my signature on it and refused to give me their license number or prove they are authorized to collect in my state.This is also day two that they claim a supervisor is not available.They are also one of two separate companies trying to collect on this same debt. They are reporting twice for different amounts ( {$210.00} & {$250.00} ). This is unable to be validated or verified and must be deleted per the FDCPA.