davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

My monthly escrow payment with Mr. Cooper ( Nationstar Mortgage ) just went up to over {$1000.00} a month. Neither Mr. Cooper or XXXX XXXX notified me of a large increase in my Homeowner 's insurance. Nationstar paid it without notifying me there would be a {$25.00} shortage when they paid it a month in advance of the due date on XX/XX/XXXX. They are using that {$25.00} shortage as the reason they won't cancel my escrow payment. In order to pay that large increase in the escrow payment, I will need to decrease how much I invest in my 401k. I will be XXXX XXXX XXXX in XXXX and do not want to reduce my 401k contribution.at this time in my life. 

My new lower rate homeowners insurance with XXXX wasn't in effect yet, so I hadn't cancelled my policy with XXXX XXXX yet. It became active on XX/XX/XXXX. I am a XXXX XXXX and filed for my Colorado XXXX Property Tax Exemption, so I will have a lower property tax assessment next year. XXXX XXXX XXXX XXXX will be subtracted from my home 's value for my new tax rate effective next year. I paid my new homeowner 's insurance in full and paid the rest of my property tax for XXXX on XX/XX/XXXX. 

I requested that Mr Cooper cancel my escrow payment, so I can put that money in savings and pay my insurance and property tax myself. Nationstar says they won't cancel my escrow payment due to the {$25.00} shortage. As soon as I saw there was a shortage, I deposited {$2000.00} into my escrow account. I would have added money to the escrow earlier to avoid the {$25.00} shortage, but as I said earlier neither Nationstar nor XXXX XXXX notified me of the increase in the property insurance rate prior to Nationstar paying it. I pay extra every month when I pay my mortgage, which goes to additional principal. They should have known there would be a shortage and put it into my escrow instead of additional principal.I have never been late or missed my monthly mortgage payment. 

The outrageous new escrow payment will amount to {$12000.00} a year. The total for the Insurance & Property tax will only be about {$6300.00} next year. My mortgage payment was $ XXXX, XXXX will be $ XXXX. per the escrow assessment based on my cancelled insurance and property tax based on the rate without my XXXX Property Tax Exemption rate. 

Homeowner 's Ins : $ XXXX. 
2024 Property Tax : {$3600.00} - According to the XXXX XXXX Assessor 's Website {$2600.00} + {$3600.00} = $ XXXX Total $ XXXX = XXXX mo
Consumer complaint received 2023-02-10
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. (DC)

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX  loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  deleted theirs but the other XXXX bureus did not. 

thank you
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (GA)

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 : Account Name : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2021-09-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'VE FILED A DISPUTE AND IT HAS TAKEN MORE THAN 3 MONTHS FOR THEM TO RESPOND OR GIVE ME ANY INVESTIGATION RESULTS!!!
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (AR)

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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: CITIBANK, N.A. (FL)

XX/XX/XXXX This dispute in the amount of {$3600.00} was resolved and closed by the credit card company and was found in my favor. 

XX/XX/XXXX They think that 42 weeks later they are going to attempt to recharge my account that is paid in full the {$3600.00}.
Consumer complaint received 2021-09-18
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: Experian Information Solutions Inc. (MD)

I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my report.
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: Experian Information Solutions Inc. (MO)

I contacted XXXX, Experian and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true I am a victim of fraud. 

This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

On or about XX/XX/XXXX I became aware by a vendor pulling my credit that XXXX mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with Equifax and XXXX. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance XXXX reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of pain and anxiety, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

XXXX is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at XXXX XXXX named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I didnt have these insurance policy on the date of XX/XX/XXXX with XXXX XXXX XXXX XXXX for the amount of {$3100.00} or XXXX XXXX XXXX for two other accounts for {$130.00} dated : XX/XX/XXXX and for {$330.00} dated : XX/XX/XXXXIve tried to resolve this matter last year with these companies and they replied these Accounts had been sent to Collections ( CCS Collections ) already and now out of there hands and they could not help me about this matter I tried to explain to the insurance agent maybe another family member Divorced husband ) May have opened this claim at XXXX  XXXX  & XXXX  XXXX  because Ive been divorced for 6 years and it definitely was not myself.I would like to make a complaint against these companies about these matters.
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CO)

I had listed a sofa for sale on XXXX XXXX, but ended up selling it off line to a used furniture dealer. Meanwhile, a prospective buyer, wanted to buy the sofa online, and I notified him that the sofa was no longer available. I never received XXXX XXXX from the buyer, and he received all of his payment back from XXXX. 

Now this AIC collection company is trying to collect what would have been owed IF there had been a sale, which there never was. 
XXXX spoof has been notified, and says my account is in good standing and that I owe nothing. This is obviously a scam and I have discovered many other people have also been scammed by this company.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK (VA)

I opened my checking account with Investors Bank in XX/XX/XXXX, and have {$1500.00} on deposit. I have not been able to access my funds since late AXX/XX/XXXX. I called the bank on 2 occasions, XX/XX/2021 and XX/XX/2021 respectively. They said they would look into it, but never called me back as promised. As of now, I still don't have access to my funds and the bank has been unresponsive to my inquiries.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXXXXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-30
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. (MO)

On or about XX/XX/2024 XXXX XXXX XXXX reinserted derogatory information on such principal consumer report, without notifying or receiving consent from such customer. This shows TransUnion has not done their due diligence of a proper investigation because such derogatory information has been placed back on principal consumer report without consent of such consumer. TransUnion and XXXX XXXX XXXX are willing and knowingly violating XXXX XXXX XXXX which is pursuant to cause harm to such consumer by violating the consumers right to privacy.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, RE : XXXX account XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, I had an account with XXXX that went delinquent due to some medical issues while waiting on my social security to become active. The account was closed on XX/XX/2019 but I made a payment arrangement with and agreed upon monthly auto withdraw. This was a fixed payment arrangement in the amount of XXXX XXXX  monthly, and it was auto deducted every month. XXXX violated our agreement and violated the Fair credit reporting act by, submitting. ( 16 ) 60-day lates and ( 2 ) 90-day lates that are all false because we made a new mutually agreed upon payment arrangement. I called XXXX to question these false and on going lates and they confirmed I was never effectively late during the payment arrangement but that they had a policy that they would report lates anyway while we were in this arrangement. XXXX states that I signed an agreement that stipulated these lates would continue, but there is no signed document. I requested a copy of the agreement they state I signed. Twice and they essentially refused to send it to me. They admitted on a recorded call that we did have a new payment agreement with a new fixed payment and that we honored the agreement and paid it all in full. 
Since we established a new payment agreement by phone, they have violated the Fair credit reporting act because the 3-credit bureau reporting requirement asks if Paid as agreed all payment were made on time and auto deducted by XXXX. So, reporting 60-day lates and 90-day lates are lies and false reporting. They claimed it is a charge off, but I set the payment agreement before it was charged off. 
I have been defrauded, my credit score has been weighed down and my capacity to borrower as needed for my family has been diminished. But I believe their false reporting is a pattern that is harming Americans of which I happen to be a 100 % XXXX veteran. Such practices should be sanctioned, and an in-depth investigation should be done see how often XXXX XXXX  has violated its customers rights in false reporting to harm its clients who have had hardships. Its hard not to see this as malicious intent and behavior by a company that should be helping their clients in hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX esq. XXXX FTC
Consumer complaint received 2023-02-02
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (AZ)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013.
Consumer complaint received 2024-04-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

In XXXX, I moved out of my apartment at XXXX XXXX in XXXX XXXX ( managed by XXXX ). I was asked to pay cleaning costs from move out. {$500.00} was paid via XXXX, and the balance I was told was to be paid to the apartment mgmt company XXXX. XXXX approved my {$500.00} claim. The balance of {$270.00} was to be paid via cashiers check within 30 days. I dropped off my cashiers check in person at the apartments management office within 30 days. Months later, in approximately XX/XX/XXXX, I received a letter from National Credit Systems indicating I was sent to collections for this amount. 

I shared proof of payment to both the apartment complex/ XXXX in XXXX of XXXX. Specifically, the {$270.00} was withdrawn from my bank and the XXXX XXXX XXXX personnel had signed my cashiers check receipt dated XXXX XXXX. 

Then, this week, the debt shows up on my credit report and my credit score dropped significantly from this as an unpaid collections item. So, this week, I went ahead and ALSO paid the collector, as well, in the meantime while seeking to resolve the issue. I paid via phone with my debit card. 

Each party is telling me to work with the other to resolve. The collector stated on a phone call ( which they state they recorded ) that XXXX XXXX did send this balance to them for collection. XXXX claims they do not know why or how it was sent to collections. XXXX ( XXXX XXXX XXXX refuses to acknowledge whether or not they have cashed my cashiers check from XXXX of XXXX. They also refuse to discuss on the phone. XXXX email is available below from XXXX. Also is the apartment website and the XXXX website. I have spoken with XXXX at National Credit Systems whose extension is # XXXX. Emails and other relevant photographic information is attached to this complaint. 

https : XXXX XXXX https : XXXX
Consumer complaint received 2023-02-02
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. (FL)

In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request Experian and XXXX to remove all fraudulent account from my credit report attached below thanks, XXXX XXXX
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (NM)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my 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
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX