davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My homeowners insurance payment of {$2000.00} was due on XX/XX/XXXX. I received a notice on XX/XX/XXXX dated XX/XX/XXXX from my insurance provider that a payment had not been received. I called the NewRez customer service department and was informed that the check was issued on XX/XX/XXXX, and probably wasnt mailed out until a few days later and probably just had not been processed yet. 
When I asked why it was issued so late I was informed that they did not have my insurance information on file. They purchased my loan back in XX/XX/XXXX and after checking with my insurance agent, I found out they did not change the policy holder information when they took over the loan. They waited until my payment was almost due to change the information on the policy, so it was due to their error that they did not have the insurance information needed to make the payment on time. 
I reached out to my agent and he said that he would keep an eye on my account and let me know when the payment was received. 

On XX/XX/XXXX I received an email from our agent that the payment still had not been received. I reached out to NewRez customer service again to see if the check had cleared so we could try and track the payment. I was informed that a stop payment had been put on the original check and that a second check was issued on XX/XX/XXXX. 

On XX/XX/XXXX I received another email from our agen that the payment still had not been received, so I reached out to NewRez once again. I was informed that the check had not cleared yet, but that they would keep watching it and if it hadnt cleared soon that they would put a stop payment on it and issue another check. I informed them that the payment is already 37 days late and I am at risk of having my insurance cancelled. I was told to just check back in a few days and see if the check had cleared. There didnt seem to be much concern that my insurance was at risk at the fault of NewRez. 

Shellpoint Mortgaging Servicing dba NewRez is the servicer of our mortgage loan, and it is their duty to make timely escrow disbursements under federal mortgage servicing law. This includes disbursing our homeowners insurance payment. They have failed to do this and now my insurance is at risk of being cancelled. If they are unable to get a check mailed then they need to wire the money directly, or make the payment in another manner to make sure that it is received by my insurance provider.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NY. It was a lease for 36 months and maturity date of XX/XX/XXXX. The bank was NMAC ( Nissan Motor Acceptance Corp ). 

On XX/XX/XXXX, I received a mailing to detail the End of Lease process. It asked to provide intention, schedule inspection of the vehicle and return the Vehicle to XXXX XXXX Nissan. 

On XX/XX/XXXX, I made my 36th and final payment. 

On XX/XX/XXXX, I had my inspection dome by AIM and no charges were found to be liable by me. 

On XX/XX/XXXX, I called XXXX XXXX Nissan to schedule the return and they stated they will not take the car back if I don't get a new car from them. 

On XX/XX/XXXX, I called NMAC to ask to return the car to XXXX XXXX Nissan like the letter stated and they said someone will call me back. 

On XX/XX/XXXX, I called XXXX XXXX Nissan again and " XXXX '' who didn't provide a last name said that I can not return the car without getting a new car from them. He was the " big boss '' and was not going to take the car back. 

On XX/XX/XXXX, I called NMAC again and asked to supervisor. I was transferred to someone who gave me an option to extend lease. I declined as I made my final payment and fulfilled all obligations of my lease agreement. I want to return the car. He stated there is no leasing returns being accepted right now. I stated then what I should do with a car that I had paid off my lease and still paying insurance for. He put a request to Mgmt for someone to pick up car. This can take another 5-7 days which will take me to the maturity date and I will be on the hook for another month of payment plus tax for a car I do not want.
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late PaymenXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (WV)

this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score XXXX points and caused me to get denied for a personal loan.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX   XXXX {$370.00} XXXX/XXXX XXXX {$190.00}
Consumer complaint received 2020-05-07
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. (NJ)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXXXXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every 8 years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY CONNS XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-02-01
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XX/XX/2021 an error was posted on my credit reports by XXXX XXXX. I submitted a dispute with all 3 credit bureaus and was in contact with Ally on the matter. XX/XX/2021 XXXX called me and said they found the mistake and sent the paperwork to the credit bureaus to have the mistake removed which all 3 companies did.

The problem is with Experian. When the mistake happened it lowered my Experian score 34 points. When the mistake was removed it only returned 13 points. I called to ask why and Experian said there is nothing that can be done to look into, and or fix it, and that I just have to wait for the algorithm to " self-regulate ''. The thing with algorithms, when the data that caused -34 points is removed from the equation, then the -34 never happened in the first place and I should have seen a +34 upon removal of said data. This is exactly what happened with XXXX  and XXXX  but for some reason Experian can't do math and they are not willing to accept and correct their errors. 

Experian even marked my dispute incorrectly. They remove the erroneous 120 day late payment. Yet marked my dispute as " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' They seem to be very confused about what they are doing over there.
Consumer complaint received 2020-05-07
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2023-02-01
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc. (OH)

I received a bill dated XX/XX/XXXX saying I owed XXXX XXXX XXXX XXXX XXXX {$19.00}. I called XXXX XXXX XXXX billing department on XX/XX/XXXX and they informed me that the bill was paid back in XX/XX/XXXX and that I owed nothing and had a XXXX balance on the account. I then called the XXXX phone number listed on the bill and they also agreed that I had a XXXX balance and that I should not have received the letter. 
On XX/XX/XXXX I received a letter from Vanguard Financial Services , Inc in XXXX, WV dated for XX/XX/XXXX saying that they were a debt collector trying to collect this same debt that XXXX XXXX XXXX XXXX XXXX already told me I had paid. I called both phone numbers listed on the letter ( XXXX and XXXX ) on XXXX and left messages both times giving them my information and telling them that I had paid the debt and that I had proof of debt payment. They never returned my calls. 
I called XXXX XXXX XXXX XXXX XXXX again on XXXX and again I was told that I owed XXXX dollars and that this company should not be trying to collect this debt. I called both phone numbers listed on the Vanguard Financial Services, Inc letter ( XXXX and XXXX ) on XXXX and both numbers rang repeatedly until an automated system said it could not transfer my call and hung up on me. I never pushed any buttons to be transferred, it simply ended the call. 
I XXXX Vanguard Financial Services, Inc in XXXX, WV and they have an " F '' rating with the XXXX  with many unresolved complaints. I am beginning to wonder if this is an actual debt collector or if it is some type of scam. Most of the complaints on the XXXX site say that they have repeated issues with this company placing debts against their credit and that they are constantly fighting this company over debts they do not owe. I do not want this false debt to impact my credit. I have phone records and a copy of the check that XXXX XXXX 's deposited showing I paid the debt in XX/XX/XXXX. XXXX XXXX 's is mailing, me a statement showing that it has been paid and that I owe XXXX dollars.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (MS)

on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from XXXX XXXX to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, Metro 2 Compliance, Portfolio Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. XXXX XXXX has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " XXXX '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.