davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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. (FL)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

For the last two years, New Rez LLC did not make a timely payment from escrow to cover our flood insurance renewal. They are listed on the policy but each year claim they didn't receive the invoice. We also email it to them through their intake email address. This also doesn't seem to work. I have the email receipt sent on XX/XX/XXXX, but as of XX/XX/XXXX they still claimed to have not received it. 

Each year we have to call, resubmit the invoice and force them to send the payment express US mail. 

When I contacted them today to confirm the mailing address for insurance documents they said there isn't one and we have to use email. Since email isn't actually a required prerequisite for getting a mortgage and some borrowers may not have email, for example my XXXX XXXX XXXX father, this seems inappropriate and anti-consumer. 

We have never missed a payment, can pay our bills, in fact prefer to do it ourselves so we know it happened. NewRez won't let us, say this insurance is required by the government to be paid by them. This is fine, we pay the escrow, but then they don't do their part and at times makes it extremely difficult to get done evey we pre-planning. As the servicer of our loan, we find this behavior unacceptable. 

We had a similar problem with XXXX XXXX. That one was worse because they bought on our behalf a policy for {$3000.00} that we already had and only cost {$700.00}. It's clearly a scam to pocket the difference in insurance cost and what is billed against the load for the convenience of them buying the policy on our behalf. Except we didn't need that done. This entire charade was facilitated by them " losing '' our documents and proof of insurance and only notifying us XXXX weeks after the flood insurance due date had passed. 

These companies seem to make navigating these extra 's on the loan as difficult as possible to XXXX up additional profit. 

We should be able to pay our loan without any gate. Currently new Rez doesn't accept extra payments because we already pay biweekly. 

We should be able to have our insurance payment paid in a timely manner without undo effort required by us to get them to do so. 

We should be able to mail them documentation as needed. 

We should receive confirmations of the mailed and emailed documents upon receipt and we should receive timely notification when they are missing. Not the day before the payment is due ( which got me to call them to see why they again hadn't mailed the check for our insurance ). Or XXXX days after it was due ( like the letter for non-payment we received last XXXX ).
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit union and XXXX XXXX reports my Accounts incorrectly : My XXXX XXXX over the last XXXX years I have auto Debit with over draft protection a XXXX federal Credit Card. 
All of theses accounts have beed paid on time I have a record of 100 Percent on time : I recently had XXXX XXXX on an old injury from XXXX I was XXXX XXXX XXXX XXXX XXXX  Months. 
I have gone back to work with XXXX 's XXXX XXXX as a XXXX XXXXXXXX for XXXX months. I am paid direct deposit in to my Checking : Here is the Problem everytime I use my Credit Card XXXX XXXX XXXX XXXX XXXX  points are taken off my Credit report. 
I have on advice from a legal team that it is un-fair practise : All of the reporting Agencies are killing my good hard work : I have stated and it is on my Credit report I am 100Percent on time and have beed for 5 years.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a dispute with Bank of America for several unauthorized transactions, they only credited me for several but they denied XXXX which was supposed to be together with the ones they credited me for. The claim not paid is in the amount of {$650.00} which was made on XX/XX/year>. They did not let me reopen the claim.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have previously filed a complaint through the consumer financial protection Bureau # XXXX and it seems like nothing is being done to stop the harassment and the illegal fees and trumped up interest charges by the firm XXXX XXXX XXXXXXXXXXXX XXXX XXXX Department and XXXX. This is illegal and the CFPB needs to look into the illegal charges of interest because the one with deep pockets feels like they can get away with such harassment. I had a XXXX credit card which was negotiated and paid in full back in XXXX. I filed a complaint through CFPB because after all these years XXXX XXXX XXXXXXXX XXXX XXXX XXXX began harassing me letters of interest and fee on a debt that was paid and settled years ago. I received a bogus explanation that the stipulation was not signed and returned which was a lie. If the stipulation was not agreed upon why was the payments received and the debt was paid off. if this matter is not resolved IMMEDIATELY I will be filing a defamation, negligent enablement of identity fraud, violation of fair debt collection practices act including but not limited to section XXXX lawsuit not only against XXXX but also against XXXX XXXX XXXX XXXX XXXX Department who is misrepresenting the claim to further the recent trumped up charges of almost {$5000.00} is alleged fees and interest to further a recent suite filed for wage garnishment. This a violation of the FAIR DEBT COLLECTION PRACTICES ACT AND OUR GOVERNMENT NEEDS TO STOP THIS HARASSMENT OF SUCH ILLEGAL SALE AND PURCHASES OF DEBT AND THE CONTINUOUS LIES TO CONTINUE THE COLLECTION OF FEES AND INTEREST CHARGES.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with ( 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. 


( XXXXXXXX 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 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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: SYNCHRONY FINANCIAL (CA)

Subject : Urgent Appeal for Reopening Dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Synchrony, I am writing to formally appeal the decision to dismiss my claim in favor of the merchant regarding my purchase of an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Six months post-purchase, I contacted the merchant to address severe sagging of the mattress and instability of the base. The merchant assured me that the base would be repaired and a new mattress provided. However, over a year has passed, and neither repair nor replacement has been made. 

Upon submitting a dispute with Synchrony, I was informed by the merchant that they would send someone to repair the base. Despite this, the representative sent to my home acted unprofessionally and left without performing any repairs. Following this incident, the warranty service promised to send another technician, but no one has come. Additionally, there has been no mention of replacing the defective mattress. Recently, I was notified that the warranty on these items has been canceled. 

Having invested nearly {$6000.00} in these products, I find it unacceptable that they have become unusable within a year. It is concerning that Synchrony has sided with a merchant who has clearly failed to honor their warranty and address these defects. 

I respectfully request that you reopen this dispute and reconsider the substantial evidence provided. Enclosed are correspondences and documentation detailing my persistent efforts to resolve these issues with the merchant, all to no avail. It is imperative that this matter be addressed to uphold the principles of fair consumer treatment. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
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: NAVY FEDERAL CREDIT UNION (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (DE)

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX XXXX NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

I would like Navy Federal to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX and XXXX.
Consumer complaint received 2024-07-15
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-24
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. (NY)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/year> My card where somehow either stolen are o forgot them when I went to work out of town. Someone accessed all three of my accounts and used my debit card to withdraw money. I explained the situation to my bank. I informed them that if I could see the camera I can press charges. Instead they credited me the money and then reversed the credit.
Consumer complaint received 2024-08-02
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: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/year> I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company Carrington Mortgage and that there will be no more payments moving forward. On XX/XX/year> XXXX forwarded the payment to Carrington Mortgage to fulfill the last six month forward mortgage payment and foreclosure fees. Now Carrington Mortgage is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/year> and now Carrington Mortgage has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why Carrington Mortgage is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/year> of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to Carrington Mortgage that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/year> {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/year> because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Consumer complaint received 2024-08-02
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. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (LA)

An unauthorized transfer was sent on XXXX XXXX, 2024 in the amount of {$2800.00}. Called to report it and came to find out the case was never filed. Had to open another case on XXXX XXXX, 2024. Was told within XXXX  business day a credit would be applied. Credit hasnt been applied and no access to funds.
Consumer complaint received 2024-08-01
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (MI)

I returned an item at Dick 's Sporting Goods in XXXX Michigan on XX/XX/year> and was issued a gift card for the return in the amount of {$100.00}. Today, XX/XX/year>, I attempted to use the gift card to make an online purchase at Dick 's Sporting Goods only to find that the card did not have any balance on it. I contacted the phone number on the back of the gift card ( XXXX ) in search of resolution. I was told that there was no balance on the card and that there would be no reimbursement or resolution forthcoming, resulting in me being out the {$100.00}. I attempted to escalate while on the call only to be told the same thing by 2 other people ; no reimbursement/resolution. I have the receipt from when the gift card was issued for {$100.00} as well as the physical gift card ( it never left my possession between XX/XX/year> and XX/XX/year> ). I'm seeking return or access to the {$100.00} owed me.
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX XXXX  XXXX GA, i do not have a contract with XXXX XXXX XXXX IN, they did not provide me with the original contract as i requested. 




The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted.