davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OH)

I was behind on my Mortage by XXXX payments. XXXX and XXXX, I made XXXX 's payment. Then on XX/XX/XXXX our mortgage company tried to take out {$2200.00} from our bank which I didn't have so it didn't go through. XXXX XXXX and XXXX I called and make XXXX more payments to get all caught up. I paid what they told me was due. Which was in XXXX payments. XXXX payment of {$1100.00} and XXXX payment of {$460.00}. I told him that sounded wrong but he kept saying that's all that's due, So I paid it. 
Now I have been in a fight with them because they're saying they never received that money! I even sent in Bank Statements showing the money went through and was never rejected or returned but they are still saying they don't have it and want me to repay it! 
I have XXXX 's payment for them but haven't paid in fear of them supposedly not receiving it again. I need help investigating this. They're saying I owe {$3600.00} which isn't correct. They won't give me any info to match info with my bank. I have spoke with my bank numerous times, They all say tje payments went through.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MA)

FNBO Amtrak Reward Credit Card I can log in to my account, but then there is no option to view balance, make payment, etc. This is the case via XXXX  app and FNBO website on a XXXX laptop. When I click " contact '' on website I receive the following message : " Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' Other FNBO account holders report similar issues on XXXX XXXX XXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I am on XXXX, VA and XXXX. My deposits are made into a checking account. I also am enrolled into way to save savings account. Being my only income is XXXX, I would submit that my savings account is tetered to my checking and thus should also be protected from garnishment.. I also have overdraft protection linked to my savings. Thus the savings account is also linked in that aspect. I was garnished I feel unfairly.
Consumer complaint received 2023-12-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I had incident with American Express where I decided to terminate my dealings with them. I closed both credit card accounts ( one that has a credit balance, and they still have not refunded ), multiple savings accounts and requested 4 CD accounts to be closed. They sent me forms to close the accounts. I returned one for the account maturing XX/XX/XXXX, but never received the funds. When I called to inquire, they said they rejected the form because the account was in the wrong place. This rejection was never communicated to me. Although I have already submitted the required form, they state a new form must be submitted, and the account will now have closure penalties. I wish for american express to do as initially instructed and close the account as requested, and return my money, as well as to refund the credit balance on the credit card that has been closed.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

your consent is required immediately We previously attempted to contact you regarding required verification. Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

If consent is not received promptly, Discover will close the account and report it as such to the credit bureaus. To discuss next steps, please contact Discover directly at XXXX, or call the phone number on the back of your card. 

Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with 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 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 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 2023-12-19
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

XX/XX/XXXX  {$1800.00} I was with this company for some months. Maybe a year my direct deposit goes there every much. And I had a situation that a payment was pending in between wisely. Or XXXX XXXX Kept dropping the payment so I called the company 's both companies. XXXX XXXX  told me that they could not pull the money from wisely 's account because they was not releasing that payment. At all so I contact XXXX XXXX to see. What was the issue why they wouldn't release my mortgage money? And from what I was told XXXX XXXX XXXX kept dropping the payments. I don't know who was telling me the truth. So what I did was Was transferred the money to another count. Because I didn't want to be late for my mortgage payment for XX/XX/XXXX  I have my XXXX XXXX To please send me a letter showing that this money was in the account before. I had transferred this money into a new account. I can not get them to give me a letter. They keep telling me to take it up with XXXX XXXX did not have anything to do with my money That was ended account before I transferred it to a new account. The money was there at XXXX XXXX XXXX XXXX They would not release this money to this XXXX. XXXX  at all. So this is why I transfer the money from XXXX  to XXXX XXXX. Because I was getting the run around from both companies. I have been waiting on a letter and a supervisor from my XXXX  XXXX. No one 's contact me and now that this on my credit report has been negative. I was never late between XXXX XXXX  And my wife was playing games with me. I don't know who was telling the truth. I've been waiting for a while for a letter stating that this money was in my XXXX  account before. I transfer this money to the other account. I'm not understanding. Why would they put this on my credit report as me being late when both companies? Told me lies, so I'm asking for help. Because this is on my credit report as negative and that's not cool So I have Uploaded both bank information. So I'm hoping I get the help that I need. Because one of those companies told me a big lie.
Consumer complaint received 2023-12-10
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: EQUIFAX, INC. (TX)

I Disputed the payment accuracy of this XXXX  account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all 30 days late and XXXX marked as 60 days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with XXXX year payment history not possible next thing on experian XXXX and XX/XX/XXXX are marked as 30 days late but XXXX XXXX XXXX are current where equifax is marked as late which one is it? XXXX again reporting different statues from the other XXXX XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other two I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information after if any negative remark is found that is innacurate or keeps reporting i will not hesitate in bringing legal action against XXXX for violation of FCA after deleting this account please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXXXXXX XXXX XXXXXXXX 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. 

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 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

My mortgager, Newrez is currently cheating me on my mortgage by doubling my homeowners insurance. They recently inherited the mortgage from XXXX ( who originally errored by purchasing homeowners insurance when I already had it ) but so far either dont understand or refuse to make the corrections even though they acknowledge that I do have my own insurance. I tried to get the additional insurance removed by having my insurance company send proof time after time when first learned of the additional insurance notice but the mortgager at the time, XXXX, for some reason didnt take notice and now it is with the new mortgager, Newrez , who it appears is following in their footsteps. I have written numerous times trying to explain to them their own documents but again nothing ( please see statement in quotes below and attached document containing statement referenced-supporting documents ) : To Whom This May Concern : Again, I am asking you to remove the {$2300.00} from my mortgage payment as this is a result of the previous mortgager, Loan Care, erroneously soliciting and ultimately purchasing homeowners insurance for me when I already had my own insurance. You are charging me twice for insurance and there is a history of me trying to get this rectified with email notifications ( see Attachment 1, letter dated XXXX XX/XX/XXXX and please excuse language ) in addition to my insurance company providing whatever documents that required to show proof. 

I am spending and have wasted a lot of time trying to get this straightened out. It is my hope and desire that you stop referring to this as an Escrow Shortage thats due to taxes and realize instead that it is due to this additional {$2300.00} insurance cost wrongfully imposed on me by XXXX XXXX thats clearly spelled out in the Annual Escrow Account Disclosure Statement printed on your letterhead ( see Attachment 2 ) the actual property taxes will total {$2600.00} and will be due at the end of the year. Moreover, as part of an explanation : Monthly mortgage for XXXX and XXXX - $ XXXX Erroneous Additional Hazardous Insurance Charge from Loan Care XXXX XXXX XXXX or $ XXXX New erroneous monthly mortgage for XXXX going forward - {$1200.00} + {$190.00} = {$1400.00} Note : As with the previous mortgager, it is my desire and intention to eliminate the escrow account thus I am requesting to pay the insurance and taxes myself. 

Some reference to your response of my original message by : XXXX XX/XX/2023, XXXXXXXX XXXX Thanks,
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I XXXX XXXX XXXX, a natural person, letting the CFPB know that The XXXX XXXX XXXX is reporting a fraudulent account ( # XXXX ) on my credit profile. I DID NOT GIVE TRANSUNION, or XXXX CONSENT to put this on my profile. This account is damaging my credit worthiness. According the FCRA, a collection of an account is a permissible purpose to obtain a consumer report ONLY when the collection is in connection with a credit transaction. I did not apply for ANY credit/loan with XXXX XXXX of XXXX XXXX , nor did they have my written consent to put this onto my profile. Due to this fraudulent account on my credit profile, I have been denied credit and my report has taken a serious hit, dropping my score tremendously. This is in violation of the FCRA, and if not deleted, I will sue TRANSUNION and XXXX because they were put on notice and is willingly furnishing false information. Transunion and XXXX have been put on notice since XXXX. I have attached my letter for Validation sent to them on XX/XX/2023. I also have attached the DOJ letter, Validation of Debt, Notarized, the Transunion Notice, Notice of Demand for Responsibility Contract from the Child Support Agency, and lastly a Notice of Deletion to XXXX. None of the entities have responded. This account gas been deleted by XXXX already as they did not want me to proceed to Arbitration for damages.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My credit and personal information has been compromised by the EQUIFAX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

EQUIFAX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXX Communications - Would not provide act # Amount Owed {$190.00} CREDENCE Credit Resource Management Act : XXXX. ( Won't provide full acc_ {$340.00} Designed XXXX XXXX Amount Owed : {$1100.00} XXXX Credit Card Chase Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hello, My account with Capital one has been on deposit only for the past 3 weeks. I was never told this happened nor was anything sent in the mail. When I asked for an official document on why its on this status I was denied this. I have been told it for account verification and to reach out to a specific number ( XXXX ) XXXX. I have been given the same number to reach out to by multiple capital one call representatives. Each time it says the agent isn't available when I call. I have left a voicemail and no one gets back to me on the matter. I have sent in all documents needed but can't access anyone who can provide me with details on this matter.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The account below showing on my consumer report is not valid, I am requesting that these accounts be removed asap. I did not provide written permission or instructions for my identification to be reported to my consumer report. I am requesting that the reporting of this information be block and removed, My request to be is not being made in error nor is my request to block being made on a material of a misrepresentation of fact by me relevant to the request to block related to any transaction by me as a consumer. I never signed a XXXX form or XXXX giving permission to use my SSN, I have attached all verifible government documents to prove my identity and am hopeful the company will do the right thing and remove these accounts and inquires within 4 days from my consumer report. 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 I included ID, SSN, Affidavait and LETTER ATTACHED
Consumer complaint received 2023-12-10
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. (NV)

On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : XXXX Record type XXXX XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : Equifax Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record Name : XXXX XXXX XXXX XXXX Number : XXXX Type : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information in my credit file that I have determined is inaccurate. The items I am disputing are also circled on the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and/or incomplete credit information on my credit file. I am very distressed that you have included the below information in my credit profile that includes the following error ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT . OF EDUCATIO According to the Fair Credit Reporting Act, you are required to investigate and remove inaccurate or unverifiable information from my credit report if it is found to be inaccurate or can no longer be verified. 

Please investigate these matters and correct the disputed items as soon as possible. I request that you send me a corrected version of my credit report upon resolution of these issues. 

Please let me know if you need any further information or documentation to assist in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX