davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Company : NewRez My loan was transferred to NewRez Mortgage servicing in XX/XX/XXXX. The loan was originated by XXXX I pay my own taxes and homeowners insurance directly and it was never part of my mortgage. Starting with my XX/XX/XXXX statement NewRez started charging me for taxes on my mortgage monthly statement. 

I immediately called NewRez and had an extensive conversation with them regarding the discrepancy. They asked me to send over proof of payment of taxes along with a letter from myself stating that I pay my own taxes. Both the proof of tax payment and letter were sent immediately to NewRez. I was advised that I should continue paying my normal monthly payment which does not include taxes. In order to make this payment I had to do it over the phone with newrez as I would be paying a lower amount than the statement which incorrectly was including my taxes. My correct payment amount = {$1900.00}. This includes principal, interest and PMI. The statement I received for XXXX had my monthly payment = {$2500.00}. I paid the normal amount of XXXX, payment was processed over the phone. 

The following month NewRez sent me a XXXX statement with payment amount = {$3200.00}. They have continued to include tax on my monthly statement even after I have provided proof that my taxes were paid. They simply ignored the fact that I have provided proof of tax payment and continued with adding taxes to my monthly statement. They also carried over an incorrect overdue payment amount from the XXXX statement. On top of all of this they charged me a late fee of XXXX. Another fact I learned from my discussions with NewRez is that they paid my taxes but since it was a duplicate payment ( i already paid them ) they received a tax refund from the taxing authority. NewRez continues to keep taxes on my mortgage payment even after received proof of payment from me and a tax refund from the taxing authority I have contacted NewRez again to resolve the issue. They have stated that they are now requesting escrow analysis on the account and that it could take up to a month to get the result of that analysis. Meanwhile I am receiving incorrect monthly mortgage statements and being assessed late fees for paying my correct monthly amount. 

The fact that I have provided NewRez with tax receipts at the moment the discrepancy was noticed and their failure to to take action on it leads me to believe that there is a high level of incompetence or lack of communication internally with this company. NewRez is placing additional burden and stress on me the consumer to constantly contact them and fix my payment even after I have provided them with necessary proof.
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (AL)

I was initially contacted by Mountain Run Solutions via text message on XX/XX/XXXX, stating that had purchased an account and there was a balance due of {$400.00}. I called the number from the text and explained that I didn't owe any money in that amount to them. I asked for documents and an explanation of the total. The lady stated it was for 8 months of monitoring services for {$39.00}. I explained again that information was false and wanted to dispute the balance. The representative stated that she will not accept a dispute. I asked for a letter in the mail or some documents. She later emailed an invoice that only showed their name an address and the balance, nothing showing how they come to XXXX. The lady then became irate and stated that the debt was valid. She hung up the phone. I attempted to county the company back serial times, however, they blocked my cell and home number and I was unable to contact them via phone. I then submitted a dispute on XX/XX/XXXX via email to the representative as well by mail. The company never responded with any information but instead without validating the balance submitted it to my credit report. I then phoned the monitoring service XXXX and they were not familiar with that company and it sounded like fraud and to dispute the account through XXXX and also obtain an attorney to communicate with the company. I have disputed the account serial times over the last 3 months and without any resolve it has not been resolved. I submitted the final statement bill as well the payment to credit agency to show the balance that was due to the alarm system had been paid directly to the Monitoring service of {$290.00}. The company stated that they did't have any documentation to submit to me and it I wanted to settle the account for {$350.00} they would remove it from my credit report. I do not owe Mountain Run Solutions any money. The account was paid directly to the Monitoring service. It appears that this company thats based out of XXXX, Utah has a history of deceptive practices. They refuse to communicate or to send out any documentation to validate or prove theres an amount of XXXX owed, in which it is not.
Consumer complaint received 2021-12-21
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX Branch Manager/VP of Mortgage Lending XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX XXXX ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and XXXX XXXX to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried for months to access my credit report through my account at service.transunion.com and have not been able to do so. I have not been able to utilize the account in any capacity. I have spoken with representatives and they have not been able to resolve the issue. They have taken my number and not followed up on the matter.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent  name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NY)

I am exercising my right to validate an alleged debt with Midland Credit Management Inc On XX/XX/2021, I mail via XXXX certified letters which were received by their office on XX/XX/2021, to Midland Credit Management Inc, at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. In the letters, I REQUESTED they ( Midland Credit Management Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debits, I REQUESTED they zero out the balances and remove ANY AND ALL INFORMATION pertaining to these ALLEGED DEBITS from all consumer reporting agencies. 

They DID NOT send me the above-requested information nor did they remove the information from CRAs.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Balance updated XX/XX/XXXX, Date opened XX/XX/XXXX, {$14000.00} - CHILD SUPPORT XXXX XXXX DID NOT GET MY PERMISSION TO REPORT THIS ACCOUNT ON MY XXXX REPORT. I DID NOT GIVE WRITTEN CONSENT TO CHILD SUPPORT XXXX XXXX TO PUT THIS ACCOUNT ON MY CREDIT REPORT. CHILD SUPPORT XXXX XXXX DID NOT GET A COURT ORDER OR JUDGEMENT TO REPORT THIS TO EXPERIAN. CHILD SUPPORT MUST PROVIDE PROOF THAT I OR THE COURT GAVE THEM PERMISSION TO REPORT THIS ACCOUNT ON MY EXPERIAN CREDIT REPORT. I HAVE DISPUTE THIS INACCURATE ACCOUNT SEVERAL TIMES AND IT COMES BACK VERIFIED WITHOUT ANY PROOF! THIS IS A VIOLATION OF THE F.C.R.A. Under 15 u.s. code 1681 be permissible purposes of consumer reports. I never gave you any written consent to report anything on my XXXX XXXX no consent is identity theft. 

Under 15 USC 1681 i ( 7 ) method of verification this account is in violation it was reported without valid evidence Under 15 u.s. code 1681e ( b ) And 15 u.s. code 1681i ( 5 ) this account is in violation not reporting 100 % accurate it list of XXXX XXXX XXXX as the furniture that's forgery and misleading with the courts because the courts don't report this type of account
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

UNITED REVENUE CORP placed a collection debt on my credit report that do not belong to me the original creditor is XXXX XXXX XXXX. I have tried to explain to United Revenue Corp that I do not owe a debt to any medical facility. I advised that I have been a victim of identity theft. Also advised the collection company me and my daughter name are similar and we have the same birthdate and there are sometimes a miss up in our information but the collection company refuse to correct this matter.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Bank : USAA Federal Savings Bank, XXXX XXXX TX Summary : USAA is unreasonably keeping my check accounts " locked, '' and is being unresponsive to requests for an explanation of delay, or time to unlock accounts. 

XXXX. On XXXX and XXXX XX/XX/XXXX I reported possible fraud on XXXX of my XXXX check accounts. 

XXXX. I asked USAA if they could place a block on this single account to prevent unauthorized activity. 

XXXX. USAA " locked '' ALL my accounts on or about XXXX XXXX. This despite my needing a different account to transact normal banking. 

XXXX. On XXXX XXXX, all accounts are still locked, and USAA is being unresponsive to requests for assistance. I have no access to my funds, now in multiple accounts. 

XXXX. Attempts to call USAA have failed because I am told the wait time is several hours. On multiple occasions, calls were disconnected. Online chat is unavailable. 

XXXX. Having no access to my funds for this extended period is causing me hardship.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

i have contacted all 3 credit bureaus as well as Midland 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing? this account has been showing as re aged for over a year now which is a tactic these people use in order to try to move the statue of limitations to sue you ... Midland is shady i know of friends that theyve done the same thing to and my friends were awarded a judgement by the courts against Midland..I am ready to do the same if this is not deleted and not resold
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section 611 ( a ) states failure to investigate items in XXXX  days gives reason to immediately remove those items from my credit report. It has been over 60 days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been trying to end my mortgage forebearance program with Citizens Bank since last summer. I have requested, multiple times, including in XXXX with XXXX XXXX in the corporate complaint resolution department, to have the amount in forebearance ( approx {$19000.00} ) added to the end of the existing loan in a non interest bearing account, EXACTLY as described in the attached letter I received from Citizens Bank. That is not what happened. Instead Citizens decided, without my permission, to modify the loan ; they created a XXXX 30 year loan with a much higher monthly payment than I had been paying. I specifically told XXXX XXXX in phone calls on XX/XX/XXXX and XXXX that I absolutely did NOT want to modify the loan..,. I wanted the option they had offered me ( see attached letter ) to add the balance to the end of the XXXX loan! We can not afford to make the new monthly payment I was informed of yesterday. Citizens has been impossible to communicate with and has now not responded to multiple phone calls and emails to the corporate office to resolve this matter. 
In the meantime, I have paid the monthly payment shown in the attached letter, {$1000.00} over the past XXXX months. When I tried to pay that amount on line in XXXX, I could not do that at the Citzens Bank website... I am assuming because they chose to close that loan without my approval. 
I would like to make clear ... my XXXX and I have outstanding credit ratings and have multiple mortgages on rental properties with other banks. We have NEVER been late on any mortgage payment and only want to get back to making our usual mortgage payments with Citizens Bank. We have not had any problems ending the forebearance program with any other bank.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested by letter for XXXX, TransUnion and XXXX to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from Transunion and XXXX by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case TransUnion has reported 30 payments being missed. While XXXX reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, Trans Union and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There are XXXX accounts just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc (FL)

XXXX that report bankruptcy to XXXX stations that they veify a bankruptcy thats incorrect courts dont verify anything with vendor also what they have from me to report that XXXX XXXX XXXX XXXX  deleted is just XXXX an XXXX but XXXX is tge one that give the information to them an this is causing loose money an pay for higher interest for theft mistakes an reporting that
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.