davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TN)

pripr complaint filed with CFPB on XX/XX/XXXX and New Rez responded on XX/XX/XXXX, CFPB # XXXX, copies of documents to be attached. 

NewRez increased my mortgage payment in XX/XX/XXXX by almost {$500.00} due to a computer error on their part where my tax bill was doubled. I paid the bill the first time then called to find out why my payment jumped so much. I was told the computer erroneously doubled my tax bill and a request to fix it was made by Customer Service. i received new escrow analysis and it wasn't fixed so I called again at the end of XX/XX/XXXX. Customer service told me to call back in a week or so to see if it was fixed as she sent another very specific request to correct it. I called back In XX/XX/XXXX, the correction still hadnt been. New Rez 's agent told me to just pay my normal payment, less the incorrect extra escrow of almost {$500.00}, as she also sent in a request and it should be fine. New Rez received the money but did not apply it to my payment and just held it because i didn't pay the extra {$500.00}, which was an admitted mistake on their part. i did pay an extra $ XXXX+ in XXXX even though i was told the escrow problem had been fixed but the computer would not accept the change until the following month ( again ... their mistake and computer issue, not mine ). I complained and they sayed they would not send derogator info to my credit bureau reports in the XX/XX/XXXX letter and showed that they hadn't. this loan was then paid off in full at the end of XXXX XXXX amazingly, now, which is 2 months after their letter and 1/1/2 months after this loan was paid off prior to the next payment being due, my credit reports are just now showing derogatory statement from New Rez that I paid my payment 30 days late. i DID NOT pay my payment 30 days late, they held my payment. they expected me to keep paying {$500.00} extra per month due to their computer error doubling my tax bill even though they admitted they made a mistake This is not fair and fraudulent practices. I believe they are only now reporting this info as a punishment to me for filing a complaint against them with CFPB. I want this derogatory information removed immediately as this is impacting me refinancing at a cheaper rate.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Refinanced my home in XXXX, company I dealt with immediately sold my mortgage to ROUNDPOINT ... .. ( why are we given no choice who we do business with? - why are mortgage companies allowed to sell/swap mortgages to whomever they please? ) In XXXX, I opted out of Escrow & my payments went from {$680.00} a month to {$480.00}. Significant Reduction! 
During that process, I found out that ROUNDPOINT & I am sure others, are allowed to overcharge, what they call " padding '' for Escrow funds you borrow from them. ( Why are they allowed to over collect? makes payments Higher than necessary & its more work- they collect too much all year, then refund back, then do it all over again - I am assuming its financially advantageous, otherwise they wouldn't do all that processing ) XX/XX/XXXX - My ins lapsed d/t finding coverage difficulties, thus Mid XXXX I received a letter that I had forced placed Insurance & the policy was BACKDATED to XX/XX/XXXX. ( How is this allowed? Backdating Insurance for anything else is fraud/illegal? ) My escrow was analyzed & my payments went back up to {$680.00}. By XX/XX/XXXX I had my own policy and in XXXX depleted my little savings & sent in funds to cover what I owed in escrow. 
From XXXX forward, because my actions went " outside '' the computer automation process, I have been trying to straighten out my account. 
I was finally told, today, that even though my escrow balance is XXXX & my insurance renewal isnt until XX/XX/XXXX, I am no longer eligible for escrow opt out and ROUNDPOUNT is allowed to collect for escrow funds from this point forward thus increasing my payment to {$680.00} & padding their escrow account. ( Why are borrowers forced to pay Escrow if nothing is owed? - the point of escrow is to " borrow " from the Lender- in my case, I am now paying in advance! No borrowing ) I now have no backup savings which I would NOT have sent in had I been told that one sentence from one person @ ROUNDPOINT months ago. Should I default on my larger payments, it will get me into a deeper financial hole due to ROUNDPOINT adding more fees, Lenders set you up for failure - LOAN SHARK TACTICS ON A CORPORATE LEVEL -- - Lender laws, rules, regulations, requirements & obligations need revised,,,,, borrowers count on our government entities to protect & advocate for us, its not happening, change is needed
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AR)

I have contacted the credit bureaus and self inc for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
Consumer complaint received 2021-08-12
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided XXXX proof that I benefited from any of the transactions.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I direly demand the expulsion of this wrong late installment from my record. Given my set of experiences of convenient installments, its presence is causing me excessive pressure. If it's not too much trouble, address this mistake speedily by refreshing my record in like manner.
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

experian upload refuses to accept uploaded info ( proof attached ) supplementary information for active dispute in account of XXXX XXXX XXXX XXXX. 
acct will be involved in litigation naming experian
Consumer complaint received 2021-08-12
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: Avid Acceptance, LLC (OH)

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Avid Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CA)

A property manager for an apartment that I did not move into sent the deposit as well as an NSF fee to collection agency. 

I received a notice from the agency on XX/XX/XXXX for collection of the amount. 

I replied to the notice and told them that I did not owe it since I did not move into the apartment. 

I also sent it to the property manager and asked them to explain. They did not reply. 

On XX/XX/XXXX, I received a credit alert that the collection has been posted to my credit report. The only way to quickly resolve it, was to pay it and the collection agency would delete it from my credit report - essentially extortion. Since I am in the process of house shopping, this was my only option. I paid it immediately and the delete was sent to agencies on XX/XX/XXXX. 

Fast forward a few weeks and we are going through the underwriting process for our mortgage and discover that the debt is now on my husband 's credit and has not been deleted. His credit score has taken a huge hit. 

He was never contacted about the debt nor given any opportunity to stop it from going on his credit report, and it has not been deleted like it was off of my report. 

This has led to issues in our mortgage underwriting process and we will likely have to pay a higher interest rate because of it. 

These agencies need to be stopped from ruining people 's lives. It's absolutely ridiculous.
Consumer complaint received 2021-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates, LLC refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by Portfolio Recovery Associates, LLC was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. Portfolio Recovery Associates, LLC is putting intentional harm against me via reporting the Collections on my Credit Report. Portfolio Recovery Associates, LLC does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (OR)

In XX/XX/2020 I closed on a VA loan. Near as I can tell, the Escrow and Title company was ServiceLink Title Company of XXXX, LLC. 

This company now appears to be defunct? 

The problem began when ServiceLink Title Company of XXXX, LLC failed to do due diligence regarding the delinquent taxes that were owed on the property prior to closing.

It seems to me that there would be a conflict of interest having the Escrow and Title Company being one in the same?

This mistake should have been covered by errors and omissions insurance which the Title Company is required to have.

As such, there were delinquent taxes due on the property at the time of closing in the amount of {$1500.00}.

These delinquent taxes snowballed and with late fees and assessments, the amount owed kept growing.

I have spoken and corresponded with the parent company of the now defunct ServiceLink Title Company of XXXX, LLC. 

Although they seemed to be helpful initially, they will not respond anymore to my repeated emails. I have kept a record of all correspondence. 

Thank you, XXXX
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (OR)

Deposit XXXX, and XXXX, online banking, realized it was a fake check. I transferred money to the person who scammed me XXXX, try to cancel the transaction that I sent, and the deposit, but KeyBank said they couldn't do anything about it.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I am not liable for this debt with XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Unable to get my credit report from Experian I paid XXXX  dollars to get my report to Experian in a certified mail money order and Experian didnt honor my request
Consumer complaint received 2021-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I opened a minor 's savings account with Wells Fargo in XXXX for my daughter ( age XXXX at the time ). I was told the account was linked to my own account so that the account would not incur any monthly service fees. Wells Fargo inadvertently opened a savings account that was not linked to my account. 

In XX/XX/XXXX, my wife and I consolidated some accounts. After moving funds from my daughter 's account to my account, Wells Fargo began assessing a monthly service fee of {$10.00} for my daughter 's unused account. The combined value of my family 's Wells Fargo accounts was sufficient to not incur a monthly service charge, but because my daughter 's account was not linked to my wife 's or my account, ( i ) it didn't show up our dashboard when logging into the Wells Fargo website and ( ii XXXX her account was being treated as an adult 's account. My daughter is now XXXX, and we believe no fees should have been assessed. 

If the account had shown up in our ( parents ' ) dashboard when logging in, we would have addressed this. However, because it was separate, it wouldn't render. Since XXXX, we have paid $ XXXX/mo or {$480.00} total for an account that went unused. Wells Fargo has credited {$30.00} as a courtesy but I requested the entire amount lost be credited because Wells Fargo hadn't properly linked the accounts as they had said when they opened my daughter 's account in XXXX.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have held a Citi Credit card since XXXX, never been late, nor have exceeded my credit limit {$30000.00}. Sometime in XXXX, I decided to enroll in Auto Pay- Citi Card will withdraw the minimum payment due and I will add an additional payment to keep my credit card account balance low - I've been looking through out my XXXX  XXXX XXXX checking out account to find exactly which date this incident took place, but Citi withdrew the minimum payment due to them, pursuant to the credit card agreement and I had signed up to allow Citi withdraw an additional {$2500.00} from my XXXX  XXXX XXXX account , I review my XXXX  XXXX XXXX statement, and did not notice Citi had withdrawn such an amount, so I paid an additional {$7500.00} online, a day after, I reviewed once again my XXXX  XXXX XXXX checking account balance, and noticed that in fact, Citi had got paid {$2500.00}, so, I decided to make a stop payment for the unnecessary extra payment in the amount of {$7500.00}. The following month, I received a letter from Citi - cancelling my credit card account, I have spoken to everyone there, had submitted letters along with proof of bank statements, and still, they reject my version.. It is sad that a card issued in XXXX, and a customere who have never been late on his obligation with Citi, had been treated unfairly by this bank, I even lost my XXXX card, and my XXXX XXXX XXXX XXXX XXXX, because they were connected to such card ... I am formally filing a complaint with the hope that you guys with help me out ... .Cordially, XXXX XXXX
Consumer complaint received 2021-07-27
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-07
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: EQUIFAX, INC. (NC)

I already reached out to the credit bureaus for the following unauthorized address listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Address : XXXX XXXX XXXX XXXX, VA XXXX