davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Our mortgage company has failed to pay our home insurance from escrow as required. Our insurance payment is now late and if not paid soon the policy will expire. 

Not only has the mortgage company not properly addressed the issue ; they also seem to be threatening to purchase force placed insurance for us which I believe would be illegal in this circumstance. 

We received a non-pay cancellation notice from our home insurer dated XX/XX/2024 stating that our payment due on XX/XX/XXXX had not been received and that payment of {$2500.00} must be sent by XXXX XXXX or our policy will be canceled or expire. 
; Our insurance payments are supposed to come out of our escrow account and should be dispersed by the mortgage company. 

I contacted the Mortgage company on XX/XX/2024 ( the first business day after I received the notice ) first by chat to tell them about the issue. The service rep told me that he saw that my insurance was cancelled and I would have to make the insurance payment or the company may buy insurance on my behalf, possibly at a much higher cost, which I would be required to pay. I told the rep that the payment was supposed to come out of escrow. The rep told me he could not help with escrow issues and instructed me to call a phone number for help. 

I called the number and after considerable difficulty navigating menus ( none of which had an option to talk to a rep or otherwise resolve my issue ) I somehow managed to get a service rep on the phone. I told the rep my problem and she just told me some facts about my payment dates and told me that I had to pay the insurance premium or they may buy insurance on my behalf and the rates may be much higher. I told her the insurance payment is her company 's responsibility and is supposed to come out of escrow. 

This rep told me she could not deal with escrow issues and gave me instructions to transfer to someone who could help. She assured me that I would be connected to a person who could help resolve the issue and not more computer prompts. I followed her instructions and was connected to another automated phone menu. There were no options to talk to a representative or otherwise resolve the issue. I tried navigating the prompts for approximately another hour before giving up. 

I would prefer to resolve this issue with the company directly, but they show no sign that they want to resolve the issue and it must be resolved in a timely manner.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

We haven't received any notice of our rights to dispute this matter from the criminal businesses we are complaining about. I am being harassed by Home Depot and Citibank and they have threatened me with defamation and continued harassment and have probably already done the former and have continuously been doing the latter. Whenever I call them in an attempt to discuss my account in a civil manner, they behave in an extremely offensive manner. In the past, they have hung up on the phone on me, spoke highly of themselves, and used sovereign citizen logic on me. They spouted irrelevant nonsense even when I warned them I would hang up if they continued. They then said " Have a nice day, I guess '' and then continued to spout irrelevant nonsense in order to avoid the topic of their guilt in their non stop refusal to let me pay any aspect of my bill, after which have charged interest/finance charges/late charges to me, when in fact they should be paying me this amount since they are still late in removing the fraudulent fees from my account to let me pay any agreeable part of my bill. They also refuse to converse by email and when they do, they ignore everything I say, take a very long time to reply, and reply with irrelevant nonsense. Home Depot is a criminal organization. Their credit card operations in the U.S. must be shut down immediately and whoever manages their credit card division belongs in jail for harassment, financial fraud, credit fraud, and extortion. There are many, many fraudulent " late '' or finance charges that Home Depot is responsible for by their nonstop refusal to let me pay any amount of ( only ) agreeable charges. Among them is a " + {$29.00} '' in " Late Fees '', and likely multiples of the same if they charged the same fee on prior statements. Home Depot has also stated that this debt " does not belong to them '', yet they are still making outrageous claims that I owe them fees/bills for them harassing me. 

Both Citi and HD also sometimes pretend they will process my payment and then don't, and then hang up on me. They also pretend I can pay online but don't give me any method by which I access payment portals online. All they let me do is access a Home Depot website for placing orders ( with payment methods that are unrelated to Citi and HD ) but I have no way to influence XXXX XXXX XXXX XXXX  through this.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Credit Union Mortgage Association, Inc. (AZ)

Credit Union Mortgage Association ( CUMA ) has been posting my monthly mortgage payments to my account. However, starting XX/XX/year>, bank started claiming that it never received payment. Bank also stated that it never received XX/XX/year> payment. Monthly payments were sent by either Priority Air with tracking, or via certified mail. Despite this, bank still claims it never received payment. Bank received payment on XX/XX/year> according to U.S. Postal Service certified mail. It's now XX/XX/year>, and CUMA still hasn't posted XXXX payment to my account.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, Experian , XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-20
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. (MS)

Dear CFPB, I am writing to formally dispute the presence of several items on my credit report, which were verified without my permission. On XX/XX/year>, I initiated a dispute regarding multiple items on my credit report. However, on XX/XX/year>, these items were returned as verified. I believe this verification process was conducted in violation of the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to FCRA Section 605B, it is illegal to report information on my credit report without my explicit permission. The specific items that were incorrectly verified are as follows : XXXX ( XXXX ) accounts from XXXX XXXXXXXX XXXX ( XXXX ) account from XXXX XXXX I did not authorize these accounts, and their presence on my credit report is unwarranted. I respectfully request the CFPB 's assistance in addressing this issue and ensuring that these items are permanently removed from my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Company is reporting 30, 60 and 90 late payments and based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a XXXXXXXX [ XXXX XXXX XXXX passed on the XXXX of this month - XX/XX/2023 ]. I have dealt with TransUnion ; XXXX ; and XXXX for many years in that I keep my credit information frozen. I am about to apply for new Provider for electric at my home. The present Provider is about to expire on XX/XX/2023, and their rates at this time are not the best and I have decided to try another provider, which I have approached. In order to do this, of course I have to take the freeze temporarily off with all three reporting agencies. 
All went well with XXXX and XXXX in that I was still able to do on my desktop, but when it came to TransUnion not so. TransUnion want you to do all your interactions on a cell phone. Presently, I do everything related to credit etc. on a desktop computer as I have done for many years. 
My cell phone is a XXXX, and I can not seem to get that across to TransUnion that this type of cell phone service is just not secure for any credit transactions or interactions of any kind. 
What doesn't make it any easier is that TransUnion has sourced out to XXXX XXXX, and I am sure their customer service representatives are not familiar with XXXX service. My hope is that in the future you can help me obtain the option of being able to do any interactions with TransUnion on my desktop. Any help with this would be greatly appreciated.
Consumer complaint received 2024-05-20
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. (IL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-06-21
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: Optimum Outcomes, Inc. (MD)

The accounts on both XXXX  and XXXX  are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Bureau ( Optimum )
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

This account, XXXX XXXX, has recently been verified yet it continues to display inaccuracies and incomplete fields, contrary to metro 2 standards which require that all data must be accurate and fully completed with no empty fields or fields labeled no data. These discrepancies are significantly impacting my financial profile.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a joined account with my husband XXXX XXXX at Truist Bank they have been holding my funds since XX/XX/XXXX due to a fraud investigation I have not heard from them or gotten any updates on their investigation I have offered documentation to proof that the funds belong to me. This has caused us extreme stress I am XXXX  and XXXX XXXX due to all the stress this has caused me.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have asked repeatedly for Experian to delete the following names, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX only, please delete these inaccurate names since Experian has been ignoring my requests to update my information. THAT IS AGAINST THE LAW! 

They also need to delete the following address that does not belong to me : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

Hello Scott and Associates, I understand you represent and have filed a debt collection lawsuit in Justice court against me with XXXX XXXX XXXX XXXX on XX/XX/ 2024. I also understand you responded with a VERIFICATION in lieu of the documented and certified requested VALIDATION letter on XX/XX/2024 that failed to provide all requested to include a valid signed contract between your client XXXX XXXX XXXX and myself. Your letter solely had statements and then you filed a debt claim petition 6 days later. As you know you are bound to FDCPA and Consumer Protections Act when attempting to collect a debt. Please furnish the requested so that this may be rectified as soon as possible. Thank you
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I discovered that my account had been debited, without my authorization, to pay my HELOC payment- in XX/XX/XXXX and XX/XX/XXXX. Truist debited my accout for {$1800.00} in each month. As a result, I have incurred overdraft fees in the amount of {$110.00} and am currently unable to feed my XXXX children and purchase gas required to go to work. 

In XX/XX/XXXX, I canceled recurring payments because I am experiencing a hardship. However, Truist continues to debit my checking account ending in XXXX, without my authorization. As a result, my checking account has gone into default causing an inconvenience, which includes the inability to use my check card to purchase needed items such as food, gas, water, and other living expenses for my XXXX children. Due to my hardship, I am currently working with Truist mortgage servicing division ( in which I canceled recurring mortgage payments and this request was honored by Truist ). Not sure why they wouldn't honor my cancelation request for the Truist HELOC. 

Due to the hardship, I need the funds that were debited in XXXX and XXXX to feed my children and ensure I have gas money to go to work. I spoke with a representative on Friday, XX/XX/XXXX and they assured me that Truist would refund the debited funds, within two business days, since I am in need of them to ensure my children are able to eat. Since the funds were not refunded, as promised, I spoke with a Supervisor tonight, XX/XX/XXXX and she indicated that Truist will not refund the debited funds from XXXX and XXXX. 

This is the second time Truist has done this to me during a time of hardship. The last time Truist debited my account, without my authorization was in XXXX. Please, see my previous complaint. 

I would like to ask if you could please assist me with receiving the unauthorized debited funds back from Truist. This practice is very deceptive, abusive, financialy cripling, and demoralizing.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I owed a debt to XXXX XXXX for over a year. XXXX reported me to Chex Systems. I paid off the debt to XXXX XXXX on XX/XX/24. 

I called Chex Systems several times and was told that XXXX XXXX had to call Chex Systems to remove the unpaid debt, as paid. Every time XXXX XXXX called Chex Systems, they were told it was my account and that Chex Systems could not speak to them. 

In my several calls to Chex Systems, I have been given a different answer with each agent as far as how long it would take to get this off my record. The last agent said as long as 5 years. That is totally unacceptable to me. How am I going to open a bank account? 

Please help me to stop getting the run around and to get this off my record! I have the payment receipt to prove the debt is paid off.
Consumer complaint received 2024-06-19
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. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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.