davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

I called New Rez about my paid off Mortgage about the escrow refund and when I should expect it. I was first told that it could take up to 30 days for the refund. I tried to advise them that my checking account information because it had changed. They said they will issue a check for the remaining escrow. There was a little over {$1700.00} in the escrow account. I have waited well beyond the 30 days which should have been 20 business days. I called recently to see if they had sent the check and they told me that the money from my escrow was used to pay off my mortgage. I advised them that the money was in trust to them to pay on taxes and insurance not for the payoff of the mortgage. This is not with the same loan company. I have read the regulations and this servicing company is not sending my refund due to the payoff balance was not sufficient to pay off the loan? They sent me the paperwork of the payoff and deed transfer to the new servicing company.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to one another, not just in one criteria or rows but all other 5-9 rows were incoherent, incorrect and misleading.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

Company Name : Newrez LLC dba Shellpoint Mortgage Servicing Loan Transfer date from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing : XX/XX/XXXX My Mortgage loan transitioned from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing on XX/XX/XXXX. 

Since then I have made multiple calls and escalations to get access to my account with Newrez LLC dba Shellpoint Mortgage Servicing. 

I was on the phone with them multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and they keep on telling me that they have large volume of accounts that they have to manually migrate. 

It looks like they have been receiving a huge number of consumer complaints as they can not login to their new accounts on Newrez LLC dba Shellpoint Mortgage Servicing and make the mortgage payments as there is a penality if the mortgage payments are not paid with in the first 15 days. 

Till now I still don't have access to my account and they have given me a new case number XXXX today XX/XX/XXXX and was told I have to wait another XXXX days for resolution. 

It really is a bad customer experience to work with this company and I believe there are many people like me in the same boat that do not have the time to raise their voice and have time to write to CFPB. 

On behalf of everyone I urge CFPB to look into this matter and have proper resolution before it becomes a nightmare for all customers.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AE)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

It's been such a long time that I have been trying to fix these errors that are being reported on my credit report yet my disputes kept getting ignored I already had enough, it is detrimental- negatively impacting my overall well being and my credit score which is not good for me and my financial freedom.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with ( XXXX, XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX - Account number : XXXX Account Name : XXXX - Account number : XXXX Account Name : XXXX XXXX XXXX - Account number : 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.

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 XXXX  years.

XXXX  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 the information is inaccurate.
Consumer complaint received 2024-09-06
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (TX)

When I went to the XXXX XXXX  I really liked the car because it looked economical the price was {$24000.00} I agreed to get information about the car because it seemed like a good deal the salesman did not tell me he was going to run the credit more than 10 times he told me he was going to run the credit once so he lied second he told me that the car was worth XXXX, XXXX after taxes that was the final price and when I went to the financing area the financier did not read the papers and only told me to sign quickly to give me the car I fell into the trap of not reading and they made me sign some papers in which they cheated me because days later I went to check the debt of the car to ensure that they are the XXXX, XXXX that they promised me and I see that the debt is {$30000.00} which they cheated me I returned the car because of the cheating they did to me they sold the car to an auction and now they are asking me for {$7000.00} which is unfair I am a XXXX  person who does not have that money to pay since I have no home.
Consumer complaint received 2024-07-23
Product: Credit reporting 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 have XXXX account reporting badly/ negatively on my report that was allegedly not me, i contacted the credit bureaus XXXX XXXX XXXX dispute this account because it was not mines & all they did was verify my account which is still incorrect because that not even my address and not my accounts. So I reached out to the commissioners office of corrections because at the time of the alleged accounts that were opened I was XXXX in the XXXX department of corrections for XXXX years consecutively. The board / commissioner has wrote me back and sent me letters to back up my story on these alleged debts. Also I have my documentation for my lease of my apartment that I had within the XXXX of the alleged debt to show and verify that my address is indeed different from that address on the alleged debt. Also I have my identity theft report attached too. All of these documents I been sending to the bureau and nobody seems to get back to me. 

The alleged accounts that need to be removed are listed below & my information so you guys could verify me 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
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Dear XXXX XXXX CFPB , I am writing to formally dispute an account that has appeared on my credit report, showing me as an " Authorized User '' on a XXXX 's account with an alleged balance of {$XXXX}. I have no knowledge of this account and did not authorize being added to it. Despite having this fraudulent entry removed from other credit reporting agencies, Equifax continues to inaccurately report this information. 

This erroneous reporting is causing significant stress and negatively impacting my ability to secure credit. As such, I am requesting the immediate removal of this account from my credit report. 

I believe this account is being reported in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am formally requesting the following documentation : Proof of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this account.

The legal basis for collection of this debt.

Evidence of your authorization to operate in my state.

Documentation of the alleged debt, including any agreements bearing my signature.

The complete account history, including all charges related to collection activities.

In accordance with 15 U.S.C. 602 ( a ), I am also requesting an immediate cessation of all communication and collection activities related to this account. Additionally, per 15 U.S.C. 604 ( a ) ( 2 ), no account may be reported to credit bureaus without my explicit written consent.

Your actions have violated my rights under several sections of the FDCPA, including : 1692d : Prohibition of harassment or abuse in debt collection.

1692e : Prohibition of false, deceptive, or misleading representations.

1692g ( b ) : Failure to disclose my rights appropriately.

1692f : Use of unfair or unconscionable means to collect the debt.

I expect immediate deletion of this disputed account from all credit reporting agencies. Should you fail to comply, I may consider further legal action to protect my rights. 

Sincerely,
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXXXXXX XXXX  to tell XXXX, Experian, and XXXX to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. 

THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE.