davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I need a response from my mortgage servicer ( NewRez ) regarding an error on a recent mortgage statement and payment of myXX/XX/2021 Property Taxes. 

I mailed an original copy of myXX/XX/2021 Property Tax Notice to NewRez onXX/XX/2021.NewRez is to pay the taxes from my Escrow Account. See the attached copy of this XX/XX/2021 Property Tax and Notice and a screenshot from the USPS website which shows NewRez received and signed for this notice on XX/XX/2021. 


Im asking that NewRez answer questions 1 and 2 below 1.Does NewRez have the XX/XX/2021 Property Tax Notice which was sent by me through USPS and when do they intend to pay the property taxes due from my escrow account in the amount of {$2200.00}. 


2.Why did I receive a statement dated XX/XX/2021 with a Payment Due Date of XX/XX/2021 with a Payment Amount of {$0.00}? Why does this statement show a Payment Amount of {$0.00}. 


I have included two attachments. One attachment contains both the 2021 Property Taxes due to be paid by NewRes and my. XX/XX/2021 statement. The other attachment contains a screenshot of the confirmation of delivery to NewRez of my XX/XX/2021Property Tax Notice.
Consumer complaint received 2021-09-28
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: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this bureau this account as of today. Thank you
Consumer complaint received 2019-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IA)

Ive own my home for 9 years and the payment has been ridiculous because of the pmi. 2years ago i had a conversation with lender about getting the pmi removed and they told me over the phone that XX/XX/2018 it would drop off. It has not and cost me XXXX extra a month. All they do is deny any conversation when i had written everything down the day of the conversation. Ive always been on time wth payments just seems as if my balance never moves. PMI is a joke.
Consumer complaint received 2021-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed earlier this year on XXXX XXXX that there was an inquiry from capital one on my XXXX credit report and I never applied for capital one this year. I had an account a few years ago in XXXX as an authorized account holder with my boyfriend but weve already closed the account and I seen it was removed from my credit. Then the account was actually added to my account, I first spoke to them ( capital one ) and let them know it wasnt me and they told me that I had to send in proof of the inquiry and account on my credit report and also write a letter stating what the issue was. I didnt think that was something I wanted to do because it was clearly fraudulent so I didnt do anything I thought they would pick up on it and remove it from my report seeing how Ive never dealt with this before. Then recently this month, it popped up again on XX/XX/XXXX that the account was now delinquent and it dropped my credit score drastically and thats when I contacted capital one again just for them to tell me the same thing and thats when I contacted XXXX to get the account off of my report.
Consumer complaint received 2021-09-28
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

My mother received a statement from Wells Fargo in my name. Didn't think much of it but found it was an XXXX XXXX account. Opened on or before XX/XX/XXXX as the statement has no balance nor transactions from XXXX. I have never done business with Wells Fargo.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My wallet identity was stolen in XXXX of 2020 while out with my friends.. My idenitifying information was in my wallet at the time of losing it ( driverslicense, social security card, and a few credit cards ). I found out that my information was used illegally to open up fraudulent accounts ( credit card, anapartment lease, and utility bill. There were also XXXX fraudulent inquires made without my permission as well. I would like for all of these items to bedeleted from my credit profi le immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2021-09-28
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)

I purchased a vehicle on XX/XX/XXXX of XXXX at XXXX XXXX XXXX. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XXXX  the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX  and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (PA)

I disputed this account because it is clearly inaccurate on my credit. I sent the letter to the address reported to my XXXX report just a few months before. That address is incorrect and the mail was returned to me, thus infringing this consumers right to dispute the account, which is a violation of the FCDPA. They then received my mail after I found their proper address to dispute the account, rather than deleting the account due to the clear inaccuracies as required by the law, they sent me private medical billing information through the mail, and it could have been opened by anyone! They have violated the FCRA, FDCPA, and my rights according to HIPPA. I demand resolution to this matter! I have already complained here once, please help me resolve this matter quickly!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-28
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: Consumer Portfolio Services, Inc. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Date of Inquiry : XXXX This is not mine. 

7. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine.
Consumer complaint received 2019-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Account Name XXXX XXXX Account Number XXXX Account Type Collection Report Number : XXXX Date Generated : XX/XX/2019 My name is XXXX XXXX XXXX XXXX XXXX, SS # XXXX XXXX XXXX XXXX For more than 4 months i have been trying to explain to the investigation Department on the 3 Bureaus of Credit report That I NEVER EVER CONTACT THIS CO. FOR THIS ACCOUNT I DON'T EVEN KNOW WHATS THEY SAID I BOUGHT I DON'T KNOW THE CELLS PHONES NUMBERS IF IS THAT because it says XXXX XXXX, i never had those products they says i bought, i may be a victimize of ID thief, But They have done nothing just make me  waste my time for many hours waiting and months for a fair report. THE WORSE I NEVER FILE A BANKRUPTCY AND I HAVE THAT TOO. They DON'T FIGHT FOR MY RIGHTS I FEEL VERY FRUSTRATED ALSO MY CREDIT WENT DOWN BASIC IN A BIG FRAUD THAT ARE HAPPENING WITH XXXX XXXX THEY USED MY SS. TO GET 2 STUDENTS LOANS FROM XXXX XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I NEVER EVER WENT TO CA. I DON'T STUDY NOTHING, I am XXXX years old I study 20 years ago, I don't even know what they said i am studying? THERE I DIDN'T CONTACT THEM NEITHER THEY CONTACT ME AND IT SHOWS I OWN 2 LOANS OF MORE THAN {$6000.00} this is killing me They shall have a Verification Dpm to check from where IP address that loan request came, XXXX? because IT IS NOT MINE AND NOONE HELP ME - I FEEL THE WORSE IN ALL MY LIFE I DON'T EVEN WANT TO KEEP WORKING I AM VERY SAD THEY DONT WORK, DONT DO NOTHING TO DEFENDING ME. It's very frustrated. XXXX DID HELPED ME INVESTIGATE AND ERASE IT, NOT THE REST, THANK YOU, SORRY BUT I WORK FOR 30 YEARS AND I FEEL LIKE I JUST GOT HERE AND HAVE NOTHING NOONE HELP ME I CAN'T GET NO BENEFITS NO RENT AN APARTMENT NO LOANS NOTHING, PLEASE HELP ME! XXXX.
Consumer complaint received 2021-09-28
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. (SD)

On XX/XX/XXXX, I notified Experian that the XXXX of XXXX XXXX XXXX XXXX loan account that had delinquency reported had met the 7 year purge timeframe and requested to have the account removed from by credit bureau report as XXXX and XXXX had already done so. 

Experian opened an investigation and closed their investigation on XX/XX/XXXX, but instead of removing the account, they adjusted moved a late payment to shower closer, which caused my XXXX XXXX to drop 30+ points by their records. 

Not only did they damage my credit further, they refused to follow Regulation V ( FCRA ) requirements and remove the account from reporting. 

I contacted XXXX of XXXX XXXX, via XXXX on XX/XX/XXXX and they confirmed the first date of delinquency was on XX/XX/XXXX and that they have not reported the account to any credit bureau since XX/XX/XXXX. 

Experian is intentionally harming my credit bureaus and intentionally not removing an account that qualifies to be removed as it is not related to a bankruptcy and it has met the 7 year requirement for purge timeframe. Please correct this issue. 

Thank you.
Consumer complaint received 2019-02-03
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: CL Holdings LLC (IL)

This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (IL)

This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them 3 letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off my credit report.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After my parents passing, I got an assumption modification on XXXX with XXXX  and I had been making timely payments and complyin with my payments until XXXX I was forced to rent out the home to pay off other debts that I had assumed .Tenants weren't the best but we tried to make the payments as best as we could .In XXXX especially during the pandemic shut down things got bad and we had to go into forbearance. We had to pay an attorney to try to evict the tenants which was not possible Until XX/XX/XXXX. The home was completely destroyed, insurance only paid {$10000.00} which only covered XXXX of all the damages. I recently moved back into the house in XX/XX/XXXX and started making payments in The month of XXXX until XXXX. I have requested help to repay what is owed but the mortgage servicer keeps giving different information XXXX have been denied for every help they could offer and I have appealed several times. I even had the XXXX XXXX XXXX XXXX step in to help me and they instructed that they found a.solutiin and would help me modify and when we tried to move forward I was denied once again and just received a letter stating I need to pay {$47000.00} before XX/XX/XXXX of not further actions will be taken. 
I think this company is trying to scare.e and take.me.out of my home. They are.trying to confuse me with different false information to buy time and send me to foreclosure.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TCF NATIONAL BANK (WI)

I checked my credit report and noticed tcf bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020
Consumer complaint received 2021-09-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I was forced to renew my mortgage at nearly TWICE the existing rate and pay fees that were not applicable by : Rushmore Loan Management Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Tel # XXXX My original XXXX XXXX XXXX XXXX XXXX agreement allowed me to renew my mortgage every XXXX years at a rate equal to the present 30 year mortgage with no fees. The present 30 year rate is plus or minus 2.87 %. The agreement and practices of XXXX XXXX XXXX XXXX have been deemed illegal in a class action lawsuit resolved in XX/XX/XXXX. I would think enforcing any illegal predatory lending practices across state lines would be a felony. Since XXXX I have been renewing my mortgage at or about 3 % without issue. I never agreed to having my mortgage sold or transferred. I am XXXX XXXX XXXX, a XXXX XXXX and was unemployed for a period during the XXXX year due to the Covid Pandemic. I can not afford to have my mortgage payment more than DOUBLE. I can not afford the illegal fees being imposed on me by Rushmore Loan Management Services. I have complied with Covid regulations and XXXX XXXX XXXX  I have complied with their demands but deem them illegal. 

Documents can be provided upon request. 

Rushmore needs to renew my loan at or about 2.87 % with no fees as was the practice since XXXX.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX Original Creditor : XXXX XXXX ) XXXX {$640.00}
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I ported my phone number out of XXXX to XXXX XXXX and I contacted XXXX to ensure that I was clear about having paid any money to them and they said all of my obligations to XXXX were paid. Approximately 3 month later I received a notification telling me that I owed money to a collection agency telling me that they were acting on behalf of XXXX and I had to give them money or they will impact my credit rating. This is important to me because I have had problems with XXXX regarding this issue. XXXX said that they remove the claim and I forgot about my complaint. I am receiving phone calls and letters demand payment for a debt that I don't owe after they said that they were going to cancel the claim of debt. The latest number to have called me is XXXX. Please help me with this Sincerely, XXXX XXXX