davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XXXX of XXXX, NewRez LLC DBA Shellpoint Mortgage acquired servicing rights to my mortgage from XXXX. My county issued a tax bill in XX/XX/XXXX that was due at the end of XX/XX/XXXX. NewRez followed prior experience on the loan and made a payment in XX/XX/XXXX as though it was a semi-annual bill. They paid approximately half of the total amount at that point. Per previous years that were handled by XXXX, that would have put them on target to pay the remainder ( the second semi-annual payment ) in XXXX of XXXX. But, since the county ( XXXX County, MD ) issued the bill as an annual bill, the total amount due was expected by end of XX/XX/XXXX. The remainder of the amount due to the county was issued by NewRez on XX/XX/XXXX, and included penalties imposed by the  county. That payment was not posted to XXXX County until XX/XX/XXXX, and included over {$300.00} in penalties. This amount came from my escrow. 
Late in XXXX, NewRez did an escrow analysis and determined that I needed to increase my escrow payment by approx $ 385 monthly beginning XX/XX/XXXX to meet the escrow amount needed to pay the bill when it becomes due again in XXXX. This was on top of an analysis that added over $ 100 monthly beginning XX/XX/XXXX. 
On XX/XX/XXXX, I called NewRez and asked to speak to someone who could correct this error, and was told that my only path was to email to the servicing group there. I did so. I got an acknowledgement of receipt of inquiry 6 days later with a notice that it can take 30 days to respond. I have gotten nothing from them since, other than to recognize the increased payment due. 

They have mishandled my account from the day that they got it. They are not servicing it properly. Their failure to pay my full tax bill resulted in a notice received by me that my property would go to tax sale. Additionally, my federal and state income taxes have been impacted as my real estate tax payment amounts were short in XXXX.
Consumer complaint received 2020-03-06
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. (VA)

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$630.00}. 
XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-12-13
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: Stellantis Financial Services US Corp. (GA)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a cosumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

i have these inquires on my equifax credit report that i did not authorize below are the fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

I borrowed XXXX dollars from Navient in XX/XX/XXXX, it was a private student loan. It was repaid faithfully for 2 years but never went down, it only grew. I couldn't afford the payment any longer and they were not giving me any relief opportunities. I defaulted, now to this day well over ten years later they are still reporting on my credit report, stating I owe over 10,000 dollars. They go from account closed to account open, they change dates regularly, they have posted that i made a payment when i didn't, all so they can keep it on my credit report. My son was XXXX  in XXXX of XXXX, and I received a notice that I had made a payment on the day we XXXX  him! Their acts are fraudulent! They have tried to sue myself and my co signer, they do not head to the cease and desist. I don't understand why the credit bureaus allow them to keep submitting when they are so old of a debt.
Consumer complaint received 2018-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Account number XXXX I spend of 25 hours writing letters and dispute forms on line with XXXX regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. XXXX account number is XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NH)

on XX/XX/23 i remotely deposited a check for XXXX which immediately cleared my secondary account. M & T then froze my account with no explanation. Refused to clear it even after i verified all info. Refused to let me speak with fraud dept who froze my account. They kept telling me somebody would call but never did. I was out of State at my sisters funeral and they tied up all my funds for no reason. Now i just want to close my account and get the XXXX away from them and they refuse to release my funds
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (MO)

I reported fraud to my bank from multiple trips we had taken over the last 3 years and my debit/credit cards have been compromised. Ive tried numerous times to let them know Im dealing with fraud and the account is not mine I have no knowledge of it and have tried multiple times to dispute it.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC (IL)

I received a copy of my XXXX XXXX and Early Warning Services consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and Early Warning Services they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank XXXX XXXX. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Consumer complaint received 2022-12-07
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)

The credit bureaus XXXX and Transunion are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from XXXX  that, I never had, as well XXXX and TransUnion to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX  ) acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report identity theft.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
XXXX You are reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights. 

XXXX XXXX
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I received a sign on bonus and expense check from my future employer. I made a mobile deposit to my personal checking account with Chase Bank. The bank notified me that the deposit was received and the funds would be available the next business day XX/XX/XXXX, I received a second notice that a hold was on that check and the funds would be made available on XX/XX/XXXX. I was never given any of the funds from this deposit. On XX/XX/XXXX a letter was written to me from Chase explaining that the check was being returned and the funds were being subtracted. On XX/XX/XXXX my direct deposit was made to the account, a payment was scheduled to be deducted and I had access to some funds that I used to send a XXXX to my husband. On XX/XX/XXXX another deposit was made to my account and a return/refund deposit was made to my account for a transaction requested on XX/XX/XXXX. On XX/XX/XXXX I showed available funds. I tried to use the funds by sending a XXXX but the transaction was declined by sender. I then tried to use my debit card and the transaction was declined. I contacted the bank and the phone system said the same funds I was seeing in my account were available for use. I contacted the customer service and they explained my account has been closed. He transferred me to the specialists to discuss. They said because of the check I deposited on XX/XX/XXXX my account was closed for fraud and funds are not available to be released for 1 business day. I waited the business day and on XX/XX/XXXX I again attempted to access those funds that show available to me. I called again from customer service to fraud specialists and they told me that I could close my account at the branch today and they will disburse my funds. I went to the branch and the teller said the hold prevents her from being able to access the funds or close the account and I need to wait to speak to a manager. I called back again to the fraud team while waiting for the manager and they explained that they have to wait for the hold and all the steps to request the hold removal have been satisfied they are waiting for the computer and it will take another business day. They never gave me any of the money and I cant use the funds from my other deposits even though all systems say it is available.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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. (VA)

XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Consumer complaint received 2018-04-29
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Account number XXXX I spend of 25 hours writing letters and dispute forms on line with USAA regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. USAA account number is XXXX
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I sent a check for payment of my property tax, placing the check in a XXXXXXXX XXXX XXXX XXXX XXXX I noticed that the check was deposited and cashed XXXX days later. 

In XX/XX/XXXX, I received notification of delinquency in payment, and that is when I contacted XXXX and the bank. The check was clearly fraudulently cashed. 

Wells Fargo ( not my bank ) cashed it to the fraudulent party ( unknown to me ) and despite my bank ( XXXX ) making multiple inquiries and requests to return my money, they have not. It has been XXXX year. Absolutely irresponsible and inappropriate. 

I had to pay fines to XXXX XXXX and am out several XXXX XXXX  dollars. 

I need help making Wells Fargo address this and pay me back.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I HAVE HAD A CHECKING ACCOUNT WTH WELLS FARGO BANK FOR YRS WHEN I CHECKED MY BALANCE ON XX/XX/XXXX FOUND OUT FROM BANK RECORDING THEY TOOK OUT XXXX DOLLARS NEVER HEARD THAT ON MY REC BEFORE CALLED BANK AND FOUND OUT THAT THEY HAVE BEEN TAKING THAT MUCH OUT SINCE XX/XX/XXXX I GOT BANK TO GIVE ME XX/XX/XXXX TO XX/XX/XXXX DOLLARS I WANT TOTAL OF XXXX TO BE GIVEN BACK THERE WAS NEVER A NOTICE RE THIS FEE I CALL THE RECORDING AND THIS WAS THE FIRST TIME I HEARD OF BANK TAKING A FEE
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (NC)

Submitted a dispute with XXXX regarding incorrect information on 2 tradelines from POSSIBLE FINANCIAL. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. XXXX claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. XXXX is clearly not paying attention to details.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to JPMCB CARD. In my credit report from XX/XX/2023, I found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.