davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Good afternoon, My Wife and I refinanced our mortgage back in XX/XX/2019. The loan was payed in full on XX/XX/XXXX. 

Since then we have not yet received the refund of our escrow balance which was held with our prior servicer. The value in full is approx {$5200.00}. 

I have spoken with our prior servicer ( New Rez ), and they informed me that it may take over 60 business days from the loan payoff date before a refund check is issued. 

When looking into the matter myself, I noted that in the CFR 1024.34, service providers are required to refund escrow balances within 20 days of the loan closing. When I informed New Rez of this regulation, they stated that they have their own internal policy and are not aware of the regulation. 

To me this is a direct violation of the CFR as it pertains to servicers and the handling of the escrow refunds. Your assistance with the matter is greatly appreciated. For your convenience I have put the full style of New Rez below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX - XXXX XXXX  XXXX
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

XXXX  and Wells Fargo refuse to remove a negative reporting ( a 30 days late ) payment even though Wells Fargo agreed that the 30 days late payment was because of something that was their error. Wells Fargo notified me of the change of reporting via mail on XX/XX/19 and I forwarded what Wells sent me via their executive office to XXXX. XXXX refuses to do their due diligence and investigate this further and remove it from my account! Please have XXXX remove this from my account ASAP
Consumer complaint received 2019-09-19
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: Paramount GR Holdings, LLC (CA)

On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from Loan Pal on my report. When I inquired with Loan Pal to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed Loan Pal that the inquiry was supposed to be a soft inquiry, not a hard inquiry. Loan Pal investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit report.
Consumer complaint received 2019-09-27
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. (DC)

The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint XXXX  responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from Experian dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to XXXX, XXXX  and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (CT)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company, For which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (LA)

I have been receiving calls for months however no one leaves a message on my voicemail. My phone provider provides scam screening and shows the calls from this number XXXX as spam. For the first time on Wednesday, XX/XX/2019 Direct Recovery calling from XXXX left a detailed message on my voicemail. 
The calls are for someone else and even after I notified them that this is the wrong number the calls continue. They are leaving detailed messages of someone else 's debt information on my voicemail. When I called the first time I spoke with a woman who refused to give me her name and then she hung up on me. 
The second call I made to them I spoke with a Mr. XXXX who asked me for my number and then tried to get my information AND told me to give the phone number and his ext to the person it was intended for.Still as of date Direct Recovery continues to call my phone multiple times a day. Sometimes leaving a very detailed message and sometimes no message at all. It is unclear how this company has MY PHONE NUMBER.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/19 I called XXXX XXXX customer service to report that I am XXXX and needed to submit my military orders for my account to be coded for SCRA. The calls were routed to several reps, all of which had no information or were clueless about SCRA and the benefits to military service members. They were all of no help and could not provide me with any information to email, mail or fax my orders.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MN)

XXXX XXXX XXXX  and XXXXM & T Bank credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by XXXX XXXX to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since XXXX XXXX is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter XXXX XXXX, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that XXXX XXXX is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to M & T bank. Attached is the email from XXXX notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX XXXX XXXX as serviced by M & T Bank sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2019-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (MN)

According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.
Consumer complaint received 2019-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I had filed bankruptcy in XXXX. I was told that the student loan were forgiven and no further action was needed. Over the last several months I have been trying to deal with getting paperwork sent to me in regards to my mother 's XXXX, since Navient has decided to start harassing her for money as she is my cosigner. They repeatedly told me that the forms would be sent and never were. Finally, 5 months after trying to get paperwork initially, it was sent to my mom. She filled out all the required documents in XXXX and when we had not hear back from anyone in XXXX, my mom called. The paperwork had been sitting in a pile on someones desk, not even being processed. When I called to speak with someone, I was told " ask your landlord for free rent so you can pay us. '' Is that proper management or verbage to someone who has been trying to get help with these student loans for months!? I was also told there is no way to request forbearance or deferment. I can not pay for these loans at this time and my mother is severely XXXX and unable to make payments. This has been going on since XX/XX/XXXX!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Act # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have previously filed a complaint with this organization for this exact matter, which was previously unresolved, due to lack of evidence, but wherein CFPB has decided to the contrary, implying I did, in fact, open such an account and owe the said " debt ''. 

I have an affidavit making it clear do not, have not, and never will apply for any line of credit, loan, or anything in the financial realm, online or electronically. I will not agree to such a contract unless it is in on paper, in writing, and my wet-ink signature is placed on it in agreement. 

I have been injured by this derogatory remark on my credit. I am now demanding it be removed immediately. 

I will ask again in this complaint, show me proof I have opened the said account, so that I can inspect the document, contract details, and my signature thereon, or there is no proof and thus no " debt '' owed by XXXX XXXX to the organization this complaint is made.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX equifax, and XXXX XXXX XXXX XXXX and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.
Consumer complaint received 2021-03-30
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a XXXX XXXX REPORT ASASP!
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (LA)

enhanced recovery is reporting a wrong date. They reaged the original account. 
They do not own the debt. 
They are reporting late payments. 
No payment arrangements were ever made. 
No letter of noticed. They only reported on report before notifying me by mail before hand. 
I've never given them permission to access my personal information. They are not in any rights to obtain my information. I want the report removed from my credit report.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-02-18
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. (MS)

I have disputed online several times as well as sent in multiple certified letters requesting that inaccurate information being reported on my credit report be removed beginning XX/XX/2020 through present and still have no resolve. I am being told that the information was verified with the bankruptcy court. This is 100 % false as the US Bankruptcy court has informed me that the do not report or verify any information with the credit bureaus. There is a public record that is appearing on my report that should not be. The bankruptcy was withdrawn and the credit bureau is inaccurate pulling information from an apparent third party company. I have sent in my drivers license with my disputes and it is obvious that the reason this information has not been updated is due to obvious racial bias. This inaccurate information is preventing me from applying for a job and purchasing a home. As a XXXX mother of XXXX it is hard enough
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (OH)

On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card. 
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department. 
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor. 
4 ) The Defendant was indited on all counts and charged by the Prosecutor. 
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts. 
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions. 
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.