davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (DE)

NEWREZ LOAN # : XXXX On XX/XX/XXXX, I was awakened at XXXX XXXX by a call from the collection department at NEWREZ. Besides increasing my monthly payment to {$1000.00} due to the misappropriation of escrow funds in XX/XX/XXXX for hazard insurance that I already had, I learned that they received my XXXX payment of {$1000.00} on XX/XX/XXXX. This early payment occurred because the bank processes payments ahead of time if the due date falls on a weekend. 
NEWREZ 's business model appears to involve misappropriating funds to generate late fees. Consequently, my XXXX mortgage payment was categorized as an additional payment in XXXX. NEWREZ misused these funds to cover their fraudulent charges. Specifically, {$750.00} was applied to the principal, {$73.00} was used to pay fraudulent late fees, and {$160.00} was refunded to me. However, {$28.00} remains unaccounted for. 
It took me over XXXX hours of conversations with multiple employees, including XXXX supervisors, to explain the situation. According to NEWREZ 's response to the Consumer Financial Protection Bureau, the facts I presented were confirmed. Although NEWREZ reimbursed the misappropriated funds on XX/XX/XXXX, and adjusted my new payment to {$1000.00} ( reflecting a {$2.00} increase due to a rise in hazard insurance in XX/XX/XXXX and {$24.00} less than the amount they required after the escrow misappropriation ), they chose to delay the new payment amount until XX/XX/XXXX. 
This issue has not only the potential to cost me money but has also consumed over XXXX hours of my time explaining these details to various people in the mortgage industry. The stress has caused my XXXX XXXXXXXX XXXX XXXX. Although NEWREZ employees claim to understand my situation, they fail to recognize that the entire incident is a result of NEWREZ 's practices. Company policy prevents them from refunding more than one late fee or providing contact information for someone with the necessary authority. 
I request that NEWREZ rectify my account by taking the following actions : Remove all late payments incurred after the misappropriation of funds in XX/XX/XXXX. 

Apply the XX/XX/XXXX payment to XXXX, as it was intended. 

Reallocate the {$750.00} from the principal and apply it towards the XXXX payment, where it belongs. 

I want to be compensated {$36.00} ( XXXX XXXX = {$210.00} ) I have a refund of XXXX XXXX XXXX. 
It is my contention that NEWREZ intentionally misappropriates funds to generate late fees. Additionally, consumer complaints are not assigned to an individual, ensuring maximum frustration for those seeking a resolution. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$910.00}
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit report from all XXXX credit bureaus and noticed on my transunion report that my student loans are reporting the wrong balance and should be reporting paid off. I would like this account updated immediately as it is holding my transunion credit score down.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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. 

XXXX XXXXXXXX XXXX : Account # XXXX # XXXX, U.S. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Department of EducationXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX : Account # XXXX # XXXX # XXXX XXXX U.S. Department of EducationXXXX XXXX Account # XXXX # XXXX # XXXX, XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account XXXX XXXX, XXXX XXXX : Account # XXXX, 15 USC 1681 Section 602 A States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XX/XX/XXXX, but XXXX has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXX XXXX was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. Both XXXX and XXXX have removed this inaccurate information from my credit. I even gave Equifax the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed two disputes regarding this with Equifax. Equifax is refusing even with the documentation to remove this from my credit report even though it is outside of the statute of limitations in the state of Oklahoma. Lawsuits from XXXX show these debt collectors often pay the credit bureau including Equifax. I even sent the documents by certified mail to Equifax and spoke to a representative regarding the matter. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX was a fraud account when my identity was stolen and it was removed. Now the reporting agencies continue to report this unknown account to my credit report under different names and dropping my XXXX XXXX points each time! This is a fraud account, please make them stop! It is affecting my life! Now they call themselves Midland Management.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX xxxxxx XXXXXXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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. (NY)

I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, XXXX, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX XXXX XXXX an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and XXXX XXXX show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.
Consumer complaint received 2024-01-07
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. (GA)

SECTION 1681 STATES THE LAW STATES THAT CREDIT REPORTING AGENCIES MAY NOT REPORT A BANKRUPTCYCASE ON A PERSONS CREDIT REPORT AFTER TEN YEARS FROM DATE AS FILIED. GENERALLY, BAD CREDIT INFORMATION IS REMOVED AFTER SEVEN YEARS. I PAID MY DEPT TO XXXX BALANCE AND IT SHOWS INACCURCY DATE, TIME AND PLACE. NO REFERERNCE NUMBER ARE CORRECT.
Consumer complaint received 2024-01-07
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. (FL)

I tried disputing incorrect address on my credit report several times and got no results. So the address listed as my current address is incorrect and I know nothing about it. I have sent my license, a current utility bill, my bank statement with address and my current paystub that also has my address information on it as proof.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stellantis Financial Services US Corp. (TX)

My account withFIRST INV SERVICING CO 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 those account 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. 


FIRST INV SERVICING CO 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 2023-04-29
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. (FL)

I have contacted XXXX XXXX and Equifax multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.
Consumer complaint received 2024-01-07
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-07
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent XXXX  information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive XXXX  XXXX XXXX or XXXX as a result of identity theft. Please let me know if you need XXXX  other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-07
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. (NJ)

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Dear sir, I would like to request the investigation over the soft inquiry, which you have asked Equifax on XX/XX/XXXX of 2023 over XXXX XXXX. Since I have no knowledge of your company and dont have any credit card or financial assistance, I would like you check whether you have provided any financial assistance to somebody. This request is performed due to the notice of Equifax submitted to the Consumer Financial Protection Bureau. If you have provided any financial assistance to somebody except me, XXXX XXXX, would you endeavor to stop that service for your own benefit. In any case, I state I never had the financial service from your company, since I had so much difficulty to locate your company in web search. 

Sincerely,
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (PA)

I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX. Client Account Number XXXX and XXXX XXXX XXXX Account XXXX updated because this is the second time y'all tried to collect from it when I disputed it with y'all but they sent the account back to y'all new account number is XXXX I want y'all to dispute it and send the account back to them again and also stop trying to collect from it if they send it back to you with a new account number or the same account number I says etc.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XXXX, I deposited a cashiers check from another bank ( HSBC ) into my XXXX bank account. I confirmed with the bank teller that the cashiers check was valid and once it cleared it would be available as funds to me. Amount {$XXXX}. The next day, I verified the amount was cleared in my account online, I then contacted my bank to confirm the same. XXXX confirmed the amount had cleared and the money was in my account. On XXXX, I noticed the deposit was involuntarily removed from my account from XXXX Bank. I contacted XXXX who stated the money was removed and could not tell me why other than I should contact the issuing bank? I asked to speak to a supervisor who gave me the same information ( XXXX ). I advised the bank representatives that once they cleared another banks check, and deposit that money in my account, they can not arbitrarily remove it. If there is a dispute, it is their responsibility not mine. On XX/XX/year> I contacted HSBC bank customer service and spoke with XXXX XXXX who could not provide me any information about the cashiers check that was issued by his bank nor give me a reason why they would issue a cashiers check and why the cashiers check " bounced '' after being cleared by both banks ( XXXX and HSBC ) XXXX He instructed me to contact the remitter whom I do not have contact info with.