davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

'NewRez mortgage company has stated that I requested that my complaint be closed. That is absolutely not true!!! The Mortgage company instructed to me that they would close the escrow account that they were trying to establish and I agreed to that only nothing else. How convent for the mortgage company to conveniently for their benefit say something incorrect and false. The mortgage company is stating that they paid for XXXX and XXXX XXXX XXXX taxes. They have never paid our taxes. All taxes have been paid by the XXXX 's since owning the house. We have never signed or given permission for anyone to pay our taxes. There is no signed document on file given anyone permission to do so. NewRez mortgage companies stating that they paid money in XXXX toward our taxes. The money that was sent was sent back to the mortgage company. In no way would we have been allowed to owe money from XXXX and the money is being requested back in XXXX. That doesn't make since. As the law states " if you are 65 years of age or older, or have an exemption because you are XXXX you can be placed on a payment plan. '' Which myself XXXX XXXX XXXX XXXX is XXXX  XXXX and therefore given the legal right to do so. I know NewRez Mortgage Co is aware of that and therefore I can not understand why my wife and are are being harassed as seniors and XXXX XXXX 's and XXXX. There is one payment from NewRez Mortgage Co sitting in the tax office not being applied to anything!! It can't be applied because the taxes have been paid by XXXX XXXX XXXX no one else. The tax office is stating " REQUEST YOUR MONEY BACK!!! ' NewRez has placed late charges on XXXX XXXX credit because they have decided to take the mortgage payment and try to HARASS us seniors into having a escrow account by putting the money somewhere else. We are not and have never been late with our Mortgage not with NewRez or any mortgage we have ever had in our lives with the three homes we have owned. If we owed Money why did NewRez return mortgage payment back to us? Please stop have fifteen different people talking to us to correct this and maybe you can straighten this out if you really want to. Is it NewRez, Is it Shell-point? Who's is actually in charge?
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Secured Platinum Credit Card in XXXX of XXXX, where I was told that my collateral deposit of {$300.00} was in placed in an interest bearing account. Due to the death of my mother at the time I became overwhelmed with my finances and completely forgot about it. The card fell delinquent and was subsequently closed either in late XXXX or XXXX. Around that same time, I was offered a job in another country and I accepted. 

Upon my return this year ( XXXX ), I ran my credit report to see why I was denied for an application I submitted, and it was then that I realized this debt had never been taken care of and I've had a charge off of {$360.00}. I immediately called Wells Fargo to discuss it. I was told that it's an accumulation of the maxed out amount of the card plus interest before it was closed. This item has remained on my report from XXXX until this day. 

When I was directed to Wells Fargo Card Services to inquire as to why the {$300.00} collateral was never applied, I could not get an answer. It appears as though my deposit has vanished. On three separate occasions I have spoken to three separate representatives, all very nice, but all they can do is " escalate the issue and look into it with management. '' I have not received an answer as to why the collateral was never applied. I opened a case with the bank 's Executive Branch today and was told it would be looked into by a Case Manager. XXXX XXXX # : XXXX ) I have also disputed this particular item with XXXX  and XXXX  but there has been no resolution - they simply " update '' the account which continues to report that I owe {$360.00} on a charge off. 

I would like for Wells Fargo to apply my {$300.00} collateral and update all 3 bureaus accordingly. Any amount beyond that I will gladly pay to return to good-standing and have it reflected as such on my credit report with all 3 agencies. 

I do not dispute that the debt is mine and I want nothing more than to settle this matter because I do not want to be in debt to any bank. I understand that credit scores can be taken into account by potential landlords, other banks, and employers, and this discrepancy is hindering my ability to get ahead. I do not find it acceptable that any bank is unable to account for a customer 's deposit while continuing to report that same amount as delinquent, subsequently affecting that customer 's standing with the CRA 's, which can be extremely unforgiving. 

Am I missing something? Is this type of practice permitted?
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I submitted a dispute to Experian and they responded saying that I was not the one that submitted the dispute. I have provided my proof of identity to confirm that I am the one submitting the dispute. The FTC says that I can dispute any information that I find to be inaccurate and that is what I have been trying to do. I would like this inaccurate information deleted.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

Went into a SunTrust bank to open an account and I was told I could not open an account and could never open an account at the bank. The banker didn't give me a reason why, he was just very rude. I asked why he said he couldn't give me any information or give me a number to call to see what is going on.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX/XXXX/2020 {$86.00} - Total Fee {$76.00} - Finance Charge {$10.00} - Late Fee Double charged a finance charge and also charged a late fee. Charge was paid on XX/XX/2020 but billed again on XXXX/XXXX/2020. 

Billing statement lists : XXXX - Paid XXXX - Principal Paid XXXX - Finance Charge Paid {$0.00} - Principal due But outstanding still {$76.00} finance charge. 

Bank of America refused to acknowledge the problem and tried to waive the double fee, pretending like there was nothing wrong. Required 3 hours on the phone to resolve it, during normal business hours on XXXX/XXXX/2020.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

Fidelity National Title is illegally holding on to {$4700.00} in property taxes by loan servicer paid XX/XX/2020 prior to closing on XX/XX/2020. IN additional they are illegally holding hostage an exorbitant " pad '' in the amount of {$4600.00}.
Consumer complaint received 2020-12-10
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. (MI)

TRANSUNION, XXXX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Consumer complaint received 2018-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AL)

Common wealth financial is listed on my credit report and they did not send me a dunning letter to give me a chance to challenge the debt.I am letting the cfpb know i have never had an account with this company and they can not prove i have ever had an account with them so why are they listed on my credit report with all this inaccurate information. I have no idea who they are and why they think it is legal to report this inaccurate information on my credit report.They have my social security number and i did not give it to them which is identity theft. I want all my information deleted from their database, office and files. I am asking for debt validation and contract or agreement i have with their company. If a collection agency do not validate a debt and they still report to the credit bureaus is violation of consumer protection afforded by the FDCPA section 809 ( b ) FTC opinion letter XXXX from XXXX.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (FL)

I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. 


There Contact Info : XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CONTACTED THE 3 MAJOR BUREAU SEVERAL TIMES ABOUT INACCURATE AND INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT YET NOT HAS BEEN UPDATED NOT CHANGED
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

I was given a forbearance during Covid. This is my second mortgage, an equity line, and my primary mortgage has a balance literally five times as large, but that lender gave me an 18 month forbearance, an automatic deferral of the past due including property taxes and insurance. 

With PNC, I thought that the forbearance was for 6 months. I paid something every single month except the first month and gradually worked my way back to full payments. I did not receive notices that anything was wrong. I applied for a modification FOUR TIMES, each time doing all the paperwork and endlessly supplying documents. I would be told my application was complete and then receive a request for more information. As I am a XXXX mom  going through a divorce and working many jobs and trying to survive the pandemic, I would never be able to meet the very short deadline they would give me and I would have to start all over. I called and wrote to them many times BEGGING for help with the application since my applications were always being rejected. 

I finally gave up on the modification and asked for just a deferral of the past due. They said I had to start over the application process. I was afraid to start it again and started paying as much as I could each month, more than the minimum payment. They reported me as having 15 late payments, even though I had never missed a payment, I had just not paid the full amount during the forbearance and the period I thought the forbearance was continuing. They heaped XXXX XXXX DOLLARS of late charges on my bill and this increased the cycle, making it impossible for me to EVER catch up or ever stop being reported as late. 

I filed a complaint and was contacted by the corporate office who told me they could do nothing for me and had done nothing wrong. I asked for help with the deferral application since XXXX previous attempts did not work, and they told me no one could help me. 

I started working XXXX XXXX XXXX  to try to make more money to pay this bill and to be able to feed and house my kids. I am a XXXX XXXX  going through a divorce and this has made my life impossible. My credit score has plunged, all because of what PNC is doing, making it impossible for me to refinance my loan with some other bank. 

PLEASE HELP!!!
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/2022 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 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I did two balance transfer with Bank of America and the expiry dates as follows. When this balance transfer about to expire. I was about to pay the near expiry one which is {$9600.00}. I did pay after 2 months of expiry. So I incurred interest charges on {$9600.00} balance, to avoid the further interest charge, I paid the {$10000.00} on XX/XX/XXXX, and it got returned because of the insufficient amount in my bank account, which was my bad because I chose the wrong bank account while paying the amount for my credit card ( BOA ). So I again went ahead and I paid {$10000.00} with the right account this time and it got credited successfully with Bank Of America. But BOA didn't apply the payment towards Balance Transfer which expired already on XX/XX/XXXX and they applied my payment on Balance Transfer 0 % which expires on XX/XX/XXXX. 

I was under the impression that I paid my expiring balance transfer of {$9600.00} and I have to only pay the balance of {$3300.00} which will expire on XX/XX/XXXX. 

Recently I noticed that I'm paying only the interest of {$420.00} on my credit card, not the remaining balance. It was a big surprise and shock for me to accept that Bank of America didn't consider my payment towards high-interest charges and they closed my 0 % Balance Transfer amount and now collecting interest charges which they shouldn't do because I paid for my promotional balance transfer fee of 3 % in advance for the balance which I'm carrying now. 

Bank of America is denying to revert all the interest charge of {$420.00} and not honouring Balance Transfer offer which has not expired yet. I explained a lot and complained about the system inability to distinguish about returned payment and they are considering it as a purchase instead of return payment. BOA system thinks that returned payment is a purchase and applying future payments towards lower APR balance instead of applying to higher APR balance. I waited a lot for their reply and there was no solution and finally, they concluded that they can not do anything on this matter. So I left with no option than reaching out to consumer finance to resolve this issue. 

Solution : I want Bank of America to revert all the interest charges ( {$420.00} ) from XXXX since I paid my expiring balance transfer in XX/XX/XXXX. Please find my statements in the attachment. 

Balance Transfers Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$9600.00} Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$3300.00} Payment history : XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$20000.00}
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

The company responded to my initial complaint with a generic response, They ASSUMED that I was credit repair company when in fact I am a well educated individual. The company DID not even attempt to investigate my dispute. I have a right to a proper investigation per the FCRA! If I submitted a letter showing the the Bankruptcy Courts doesn't report to any of the bureaus, so how is it being reported on my credit report? I demand a investigation in this matter.
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

THE CREDIT BUREAUS REFUSE TO HELP ME ON THE PHONE OR RESPOND TO MY MAIL!! IT HAS BEEN 9 MONTHS!! PLEASE HELP REMOVE THESE NOW!! 


XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account XXXX 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.