davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2024, I received an Annual Escrow Account Disclosure Statement from NewRez LLC with our XXXX XXXX XXXX XXXX along with {$6900.00} of incorrectly assessed Lender Placed Hazard insurance figured into our escrow calculation, essentially increasing our total mortgage payment approximately {$600.00} per month over what was necessary. I called customer service immediately after receiving notice in the mail and spoke with a man that said the Lender Placed Hazard Insurance had been canceled and he would request a new Annual Escrow Account Disclosure statement with the updated calculations. I never heard back and my online payment amount was unchanged. On XX/XX/2024 I submitted an online inquiry requesting the updated correct mortgage payment amount that would come due XX/XX/2024. I received email confirmation the request was received and we will respond as soon as we can. I never heard back. On Thursday, XX/XX/2024, I once again called customer service about the same issue. They said they had no record of a request for a new escrow calculation. I was on hold for an hour to receive confirmation that the request had been received with the escrow department and the customer service representative I was speaking to said the escrow department was not responding, and therefore, she was unable to give me confirmation that the request had been received and that all she was able to do at this time is submit the request and to allow 2 weeks for a response, which is after our mortgage payment is due. Now, Im powerless and have to pay the inflated mortgage payment amount or it will be reported to the credit companies. Also, the overpaid amount will sit in escrow account and will not be refunded until a year from now. NewRez has failed to address their miscalculation of my mortgage payment and their customer service department was not effective in solving my issue. Beware of NewRez, LLC!
Consumer complaint received 2022-06-14
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. (OH)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( US DEPT OF EDXXXX ) .... 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 2022-02-17
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the XXXX 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 XXXX months.
Consumer complaint received 2022-02-17
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. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-27
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. (TX)

I disputed the bankruptcy on the report and they got back to me later than thirty days. I also disputed and Experian said that the bankruptcy came back verified. I was wanting to know their verification method. I called the Court in XXXX and asked if they had released the information to the bureaus and they do not release that information to third parties so how was this verified? Also the account for XXXX XXXX was agreed by the creditor that this account would in fact be removed from this report after payment. Payment was made in full but the item remains which was not their agreement.
Consumer complaint received 2018-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer with Capital One for over 8 years. I have never been late on my account since I received my credit card. I set up auto pay with there company and my payment comes out of my bank account every month on the same day. In the month of XXXX my minimum payment was increased by XXXX dollar from XXXX dollar to XXXX dollar. Capital one reported my account as late because the extra dollar was not paid, which in turn decreased my credit score by 65 points. I called Capital One and explain what happened to my credit score as a result of them reporting my payment as late and unfortunately they refused to remove the late payment from my credit report. The XXXX was paid as usual, but they informed me that it was considered a late payment. As a result of them putting this entry on my report, other creditor began decreasing my credit limit on other credit cards, which lowered my score even more. Capital One could have easy updated my information with all the credit reporting agencies, but they refused to do so.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX XXXX XXXX is garnishing my wages and filed for courts to do so on XX/XX/2018. I was not notified by courts nor addressed to appear in courts to dispute credit costs. I called company and no answer on ability to prove original amount of debt that was owed. The company has increased a XXXX dollar owed store credit card amount to over XXXX dollars and my wages are being garnished at 25 % of my paycheck. 

I had no phone calls, letters nor warning for debt collection. Now, I am struggling to pay my bills and stay in my apartment. I cant believe companies can increase debt owed and just destroy your credit reputation. I am at a loss and just do not have faith in becoming a success in this country. I just dont know what to do and feel helpless and vulnerable to companies like XXXX XXXX.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX is reporting to my Transunion report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with Transunion and XXXX numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with XXXX on XX/XX/XXXX with no response as of XX/XX/XXXX
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IN)

I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the  phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to formally dispute the actions of MIDLAND CREDIT MANAGEM, a collection agency, which I believe are in violation of several consumer protection laws. The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. I assert that Midland Cred has violated this provision.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors. I contend that Midland Cred has failed to comply with the requirements outlined in this regulation.

12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe Midland Cred has not adhered to the stipulations set forth in this section.

15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies. I am concerned that Midland Cred has violated this law, I demand the immediate deletion of the account associated with XXXX XXXX XXXX, from the records of both MIDLAND CREDIT MANAGEM and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. Sincerely, XXXX XXXX
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

Transfer of money was canceled by Moneygram without any explanation. Prior to this I used the Moneygram XXXX to transmit money without problems. So I was directed to speak with the decision makers and they told me that I will have to use another company to transfer money. So out of frustration I reconnected with XXXX XXXX which I used before but had higher rates but lower receiving exchange rate. So after a couple of successful transactions with XXXX XXXX I had the same problem with XXXX XXXX. 
I came to the conclusion that XXXXMoneygram had black listed me. I came to find out that XXXX XXXX and Moneygram had merged. I made several phone contacts with both Moneygram and XXXX XXXX  but that changed nothing. I tried XXXX but I am in the same position. I need to know what is the problem is. 
I have been supporting my family for over 30 years. My family needs me.please help me overcome this.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I am the only provider in my home now due to Covid 19, I have discussed my problem with this loan company but the keep going to my job. I could be close to losing my employment if they continue. I have told them numerous times not to do this but they continue. What else can I do, until my son starts receiving checks regularly I'm stuck.
Consumer complaint received 2020-07-27
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. (NY)

ON XX/XX/2020 I SUBMITTED A DISPUTE TO EXPERIAN REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.
Consumer complaint received 2020-07-27
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK, XXXX XXXX Nelnet XXXX XXXX XXXX NE XXXX XXXX XX/XX/XXXX Regarding a Reported Delinquency To Whom It May Concern, My name is XXXX XXXX XXXX and my account number is XXXX. Thank you for this opportunity. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late with a payment. I had a XXXX XXXX XXXX, and my wife was seriously sick till now, but she getting better. 

Am the only one still working and providing for my family, wife, and kids. 
I have made all the late payment and my account now is in good standards, but the credit report still showing the late payment, and they are refusing to take it off, that is hurting my credit so bad, I when from XXXX now to XXXX. 

Am in the process of buying a home, found a home sign contract, now my credit is hurting me, the late payment that was reporting XX/XX/XXXX. 

I had been carrying a sizable balance for several months when I finally paid off the full balance of the late payment XX/XX/XXXX of this year. When I received my statements in XX/XX/XXXX and XX/XX/XXXX, I simply discarded them without even opening them because I assumed they would show a XXXX   balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 

I realize in retrospect that I should have anticipated that finance charge, and I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from anyone. 

my records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with the past two monthly payments since getting caught up. 

Thank you very much for your consideration, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Since XX/XX/XXXX. Capital One has funds in a checking account and the account was frozen due to an investigation. The investigation has closed in XXXX and funds are still in the account and the loan company had not received a email on how to retrieve their money. Now the account is back open and direct deposit that I was getting as paper checks because the account was closed are being deposited into this account. What President do I need to speak to to get this resolved. This case had been ongoing for several months.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (WV)

( A surprise medical bill is an unexpected bill from an out-of-network provider or at an out-of-network facility. Effective XX/XX/2022, the No Surprises Act may protect you. ) The debt collector, XXXX XXXX, XXXX put an out-of-network anesthesia bill ( in a In- Network hospital ) on my credit report that I am protected from as the law states as cited above. XXXX XXXX should have done due diligence to discover why the insurance company didnt pay the claim before they bought this debt. I had absolute no control over who the doctor or hospital chose to do the anesthesia. But the anesthesia firm had more control than me and should have made sure they were covered under the insurance. What good is this law if these debts can be sold, put in debt collection and onto a consumers credit report??????
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (DE)

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Furthermore this account is over 2 years old and should no be affecting my credit but it does and its very challenging to get ahead with something so old on my credit history. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.