davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

Repeatedly this company does not credit payments correctly. We pay regularly every month, have never missed a payment or been late- but they company has on multiple occasions accused us of being late. They are hassling us right now about a " late payment '' that was paid and the month after that has already been paid. The can not seem to understand and it is so simple - we send a payment during the last half of the month around the same time each month and the bill pay check is always noted " for the XXXX of NEXT month ''. Yet they think the money they just received during the last half of the month is for the current month which was due on the XXXX and they think it is late. This is not rocket science and yet we have explained it over, and over, and over. I have bank records I have provided which verify the payments and it is very regular. It shows every month payment made and rec 'd by the mortgage company before the due date- on time! Not late! This should be managed automatically by computer. They should not have to think about it. This is not hard to understand. I am at wits end. I have wasted hours arguing with these people. Once the credited the whole payment to principal and then came after us for the payment which they said we missed!!!!

Also when county taxes went up this year I waited and waited to see when I would get notice so I could adjust the amount due. I had not yet received a notice from the mortgage company when they again came after me for non-payment - I had paid, just not the amount they needed which they never notified me of. I called them. They said they notified us- did not! Never got anything- still have not!!!
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (AZ)

I was charged a XXXX dollar fee for being short XXXX first bank helped me setup alerts I use this account for paying bills and always deposit funds when Im short a XXXX dollar fee for being short XXXX is excessive and I would like them to waive it
Consumer complaint received 2024-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (SD)

I received notification from Freedom mortgage insurance department on having to pay gap coverage on my home insurance coverage. On XX/XX/XXXX I changed insurance carriers. I cancelled home insurance with XXXX XXXX on XX/XX/XXXX that they inform me the policy goes to midnight XXXX XXXX  of XX/XX/XXXX. I changed home insurance coverage to XXXX XXXX, by XXXX and their policy coverage shows below starting XXXX XXXX  XX/XX/XXXX. There was no gap of missed insurance and home was continuously covered during the change over of insurance. I've talked to both insurance companies and am told their policy cancellations ( XXXX XXXX ) and new policy XXXX  dates and times are correct. 

The problem is Freedom mortgage representatives from the insurance department say they only go by the date of the policy and not the time which is their policy. They want to charge a gap charge for what they say " lack of coverage between XXXX to XXXX XXXX when clearly there is coverage that was continuous on this property. The fee of {$8.00} is amount to be paid which is nominal at best. At this point of talking with Freedom and representatives for the past two months it is a matter of principal of how this matter was applied. All insurance companies I have worked with have used midnight XXXX XXXX  as cut off of cancelling or starting policies. It is the way that Freedom insurance department transact their policy of coverage time that is in question.
Consumer complaint received 2022-11-15
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. (GA)

I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$8400.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX {$20000.00}.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been calling me everyday for the last year on a time barred debt that is approximately XXXX years old. I also was made aware of a voice mail left on my ex wife 's machine and we divorced over XXXX  years ago. On XX/XX/year> I sent them a certified letter asking them to stop communicating with me and/or 3rd parties. According to tracking number XXXX, they had the letter in their possession on XX/XX/year>. They called again today and I do not want to communicate with them any further. They have my address so if they need to tell me what will happen next then they can mail it by XXXX.
Consumer complaint received 2024-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

I have explained XXXX XXXX in 2 different complaints that I discovered a payable upon death CD with me listed as the sole beneficiary that remains unclaimed by me. Both times you have referred me to Wells Fargo, who were completely inept, and closed my case. I dont understand how you purport to protect consumers and just wash your hands and pass it on. I have contacted every institution imaginable and am currently filing a XXXX complaint. Do people need a court order to comply? Are you all just one corrupt entity? I am just going to continue to pursue, report, claim, and bang pots and pans until accountability and resolution is attained. 
XXXX
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I have Transferred funds to my family back in XXXX through the App called Remitly and I suspected the Transfer and before the processing time and I even requested the Remitly to Cancel and Reverse the Transfer But they didn't Assured me that It will happened. ( They Mentioned that it may or may not happen ). As it was {$1500.00} and that was a big amount for me and i was expecting that need to be refunded me and the funds are not even reflecting on the Recipient bank. 

Reference Number : XXXX
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (MO)

To Whom It May Concern, I am writing to express my extreme frustration and disappointment with CarMax XXXX XXXX regarding the handling of my vehicle and personal belongings. When my car was stolen, I informed CarMax of its location and expected your assistance in recovering it, as was promised. Instead, CarMax repossessed the vehicle, and I lost not only the car but also my valuable personal possessions inside, including several XXXX XXXX, a XXXX XXXX, and important computer equipment. 

I made multiple attempts to communicate with CarMax to resolve this situation, as I was willing to pay off my loan. Additionally, I am still in negotiations with XXXX XXXX regarding my claim for the stolen vehicle. CarMaxs refusal to help me retrieve my belongings or cooperate in resolving this matter has been deeply troubling. 

The actions taken by CarMax have resulted in the loss of my vehicle and irreplaceable personal items, and your unwillingness to even discuss a solution is unacceptable. I urge you to take responsibility and address this matter immediately, including compensating me for the losses incurred and assisting with my ongoing negotiations with XXXX XXXX. 

Please respond to this letter with an explanation of CarMax 's actions and the steps that will be taken to resolve this matter fairly. I expect a prompt response, as I will not accept any further delays or disregard for my rights as a customer.
Consumer complaint received 2024-09-02
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)

XX/XX/year> My personal information was exposed in a data breach ( NPD ). 

15 USC 1681 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ).
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding my Target credit card account ( Account No. XXXX ) for {$580.00}. I was the victim of credit card theft, and my card was used for unauthorized transactions. Despite submitting multiple disputes to TD Bank, the bank failed to take any meaningful action to resolve the matter or remove the fraudulent charges. 

After I made several efforts to rectify the situation and get the unauthorized transactions handled, I requested that my account remain open once the disputes were resolved. However, TD Bank proceeded to close my account without warning or any attempt to solve the issue, which has negatively impacted my credit. 

I am respectfully requesting the Consumer Financial Protection Bureau 's assistance to ensure the following : 1. Immediate removal of the disputed charges from my account and correction of any negative information reported to the credit bureaus.

2. Investigation into TD Bank 's handling of my disputes, as I feel the process was inadequate and did not comply with consumer protection standards.

3. Restoration of my Target credit card account, as I had requested that it remain open once the disputes were resolved.

The mishandling of my dispute and the abrupt closure of my account have caused unnecessary stress and damage to my credit standing. I urge the Consumer Financial Protection Bureau to address this matter promptly and ensure fair treatment.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$250.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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)

Fourth request before filing a federal lawsuit against the CFPB and the CRAs. This has been an ongoing, redundant process that has violated my FCRA rights, and again, I demand the deletion of these unauthorized accounts in my name immediately. Upon review of my recent personal credit report, I noticed that UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the XXXXredit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all XXXX credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, XXXX which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX OF XXXX Inquired on XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> GXXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from XXXX XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX XXXX XXXX XXXX  bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Dear CFPB Team, I am writing to follow up on my complaint against XXXX regarding their inadequate handling of my identity theft claims. Despite providing extensive documentation, including the FTC Identity Theft Report, XXXX has failed to acknowledge this evidence, resulting in ongoing inaccuracies on my credit report and significant emotional distress during a difficult period in my life. 

Key Issues : 1. Failure to Acknowledge Submitted Documentation : I have uploaded the FTC Identity Theft Report multiple times as proof of my identity. This report is a sworn statement and meets the requirements under the Fair Credit Reporting Act ( FCRA ) for blocking information related to identity theft. XXXX has dismissed this report as an online document, failing to recognize its validity and importance in addressing my claims. 



2. Legal Obligations Under the FCRA : The assertion that a police report is necessary for validating my claims is incorrect. The FTC report does not require additional validation through a law enforcement agency, and insisting on such documentation places an undue burden on me. Filing false information with law enforcement can result in criminal penalties ; however, I have complied with the law by submitting the FTC report. The law clearly supersedes any internal policies set by XXXX. 



3. Harassment and Emotional Distress : The ongoing demands for documentation that I have already submitted constitute harassment. I am unwilling to send multiple copies of the same records when XXXX has not acknowledged their receipt or processing. This situation has caused me significant emotional distress, particularly given my ongoing health challenges.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Third Request for Immediate Removal of Adverse Information Under the Debt XXXX  Repair Act Dear Equifax Dispute Resolution Team, This letter serves as my third formal dispute for the immediate removal and blocking of specific information from my credit report under the Debt XXXX  Repair Act. I initially submitted my request on XX/XX/year>, along with all necessary documentation proving that I am a victim of debt bondage and XXXX XXXX Despite this, Equifax has failed to comply with the mandated four-day period to block the requested adverse information from my credit report. 

Equifax is in violation of Regulation V, XXXX ( XXXX ), which mandates that : XXXX ( XXXX ) ( XXXX ) : Equifax must block adverse information within four business days of receiving my submission. This time frame has long since passed. 
XXXX ( XXXX ) ( XXXX ) : If additional information was required, Equifax was obligated to notify me within XXXX business days, which did not happen. 
XXXX ( XXXX ) ( XXXX ) - ( XXXX ) : Equifax can not challenge the validity of the facts or circumstances in my XXXX  documentation. 

I am now formally requesting that the following accounts and inquiries be blocked from my credit report immediately : Accounts to Block : XXXX XXXX ( XXXX accounts ) XXXX XXXX  XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  ( XXXX accounts ) XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Block : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Failure to act in accordance with these federal requirements is unacceptable. If Equifax does not immediately block this information, I will pursue further escalation, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

I expect a prompt resolution of this matter and confirmation of the actions taken. Please comply with the law and resolve this issue without further delay. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax is declining the request to block information for XXXX XXXX  survivors. XXXX  XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX XXXX XXXX. I have attached the XXXX XXXX to this complaint. These victims and survivors are being deprived of an equitable resolution under the XXXX XXXX XXXX XXXX and XXXX is violating FCRA XXXX by delaying the process of blocking information within XXXX business days. 

XXXX XXXX requested by the survivors on their consumer reports submitted and authorized by XXXX XXXX XXXX XXXX XXXX within the allotted time of XXXX business days pursuant to the XXXX and FCRA XXXX. 

First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has XXXX business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (IL)

I didnt authorize any of these inquiries, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Agency ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX Debt Final Rule 1002 .142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX {$23000.00}, XXXX XXXX {$1100.00}, XXXX {$0.00}, XXXX XXXX XXXX {$18.00}, XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Remove any other addresses please.