davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

I have been having this Problem for XXXX XXXXXXXX years.My mother passed away XXXX XXXXXXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are convicted felon or have drug problem issues.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and criminal record keeping by XXXX  State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state XXXX XXXXThe Mortgage company XXXX XXXX sold the loan over to Rush More without knowing that at this point the whole mortgage was fraudulent.Rushmore gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by Rushmore loan management.This should have let Rushmore loan management know that had bought a fraudulent loan with a deceased person name on a mortgage statement.Rushmore loan management threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died in this home and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!
Consumer complaint received 2022-04-25
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: CITIBANK, N.A. (CA)

On XX/XX/2022 fraudulent charges were made on my Citibank card, Citibank shut down my card, contacted me, and I confirmed the fraud. All of this happened within XXXX hours. At the time that the fraud was confirmed and for days later, the charges were shown as pending. 

Thereafter, Citi posted all the fraudulent charges ( {$370.00} ) to my card. I contacted Citi, pointed them to the law indicating the maximum they can charge is {$50.00} and Citibanks policy is to charge nothing. 

Citi refused to remove the charges pending their fraud investigation, claims that despite the charges being fraudulent the charges were authorized by the person committing fraud and therefore authorized and claimed Citibanks fraud investigation was delayed due to XXXX other companies being unresponsive- which begs the point - no charge should have posted to my account in the first place. 

Also, the thief posted credits to my card for some of the same amounts charged at the same vendor. Citibank caught the credits and didnt post credits but posted the corresponding charges. Funny how that works.
Consumer complaint received 2022-08-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I pulled my updated credit report on XX/XX/2022, and realize that it still has multiple erroneous information on section " Personal information '' the address such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, and XXXX XXXX AV XXXX XXXX, NY XXXX, do not belong to me, about a month ago I sent a dispute to the credit bureaus to remove the inaccurate address that were found on my credit report, unfortunately they did not remove it, so I am now getting in touch with the CFPB, because I do not want inaccurate addresses on my report and I need them off.
Consumer complaint received 2022-04-25
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: AMERICAN HONDA FINANCE CORP (DC)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate. 
They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 


2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : American Honda finance acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im XXXX as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2022-08-26
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. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I was on a COVID Forbearance for my Mortgage with Wells Fargo. In XXXX I called them to inform that I would be ready to start making payments starting XXXX. on XX/XX/XXXX I received mod docs with a first pay of XX/XX/XXXX, documents to be returned by XX/XX/XXXX. This would mean that the loan would not be booked prior to the first payment date. Due to the short turn around time, and because I had stated I was not ready to start payments until XXXX, I called and requested that a new first pay of XX/XX/XXXX be worked. I was told that this would be possible, and I would receive new documents in the mail. XXXX XXXX, Since I had not heard back, I called again to request documents. I was told that they would be mailed to me. XX/XX/XXXX I received new docs, but it still had the XX/XX/XXXX first payment date, to be returned by XX/XX/XXXX. I called again and explained my dilemma with this. How can I have mod docs for a date in the past, and a return date prior to booking? I was told that FHA will not allow a rework. I explained that this was not mentioned previously. I asked for a Supervisor. Spoke to XXXX XXXX ( XXXX ) XXXX XXXX. He too stated they were unable to rework it. However, after explaining that I received the docs after the due date, he stated he would speak to settlement and see if they could rework it. I am not sure why he would be speaking tp settlement to rework, when it was underwriting who would make the decision. Either way he stated he would call me in 2 days. On XX/XX/XXXX I received 2 emails. one that I would be receiving new documents, and the other that a complaint was received and I would hear back prior to XX/XX/XXXX. Since I hadn't heard from XXXX, I called on XX/XX/XXXX. I left multiple voice mails. None were returned. So I called the main number. I was told XXXX had called me XX/XX/XXXX, and left me a XXXX. I explained that I had no XXXX 's. I was told he was off on that day, and that FHA does not allow reworks, and that I would need to send in a traditional hardship app with supporting docs. I stated I was on a COVID forb, and no docs are required for a post covid forb workout. I did not want a traditional mod, but a COVID workout. I attempted to explain to the agent the history of the account. He continued to speak over me, to get all his compliance touch points out of the way. He continued to be extremely rude, so I asked for another sup since XXXX was not in, After being on hold, I was told that none were available, but he would send my complaint for a callback. I also requested that an email be sent to XXXX to call me, since no notes were left on the account regarding what he stated on the XXXX I never received. The agent agreed. It is now XX/XX/XXXX. I have not heard back from any supervisors. I have been dealing with this issue since XXXX. I just want to start paying my mortgage starting XXXX. I am not certain why this is such a huge deal.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My loan was transferred to Truist Bank and ever since then it's been a complete nightmare trying to set up an online account to pay my monthly mortgage payment on time. The website is unable to find my loan and continually says the service is unavailable. Trying to call Truist just leads me to a never ending cycle of waiting to be connected to a customer service representative ( 20+ minutes at least every time ), the customer service representative offering to connect me to tech support and then being placed on hold and being transferred back to the main menu instead of tech support. I have wasted literal HOURS on this and there is no solution or end in sight. Is this company run by a bunch of mice in a trench coat? Because I could not imagine an actual human being running a company so incompetently.
Consumer complaint received 2022-08-23
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # 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. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Consumer complaint received 2022-04-25
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. (AL)

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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX  XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 2022-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

I opened my Citibank account online XX/XX/XXXX. I work as a freelance consultant so my income historically was not stable however I started receiving regular direct deposits via XXXX  into my Citibank account on XX/XX/XXXX. On XX/XX/XXXX I received a notice of " suspicious activity '' from an apple.com charge which I approved on phone. My last debit card purchase was an ATM on XX/XX/XXXX. On XX/XX/XXXX I received a notice that my account was overdrawn. I immediately tried to move money from my savings account into my Citi account to cover the overdraft but my debit card no longer worker. I waited until Monday XX/XX/XXXX to contact the bank and was told my account was being closed and then I was HUNG UP ON THREE times. I called again on XX/XX/XXXX and was the same thing, account is closed and there is nothing they can do. I inquired about my direct deposit which was scheduled for XX/XX/XXXX and was told Citibank would reject the deposit and it would go back to employer. I was then blocked from viewing my Citi account and the direct deposit was never rejected or returned to my employer. I called the automated system and confirmed that the money was deposited into the Citi account. I called on XX/XX/XXXX to ask how can I get access to the bank account with all of my money in it. My savings is gone covering expenses from missing one week pay without access to my primary bank account. I was told Citibank will not reject any deposits, and can hold onto the funds for up to 60 days. I have not received ANY correspondence or explanation of what is going on and why my funds are being held or realistic timeline of when my money will be returned to me. In the meantime, all bills setup through my primary checking will be late and assessed NSF fees so this issue is compounding daily for me.
Consumer complaint received 2022-04-25
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. (GA)

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Consumer complaint received 2022-04-25
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. (TN)

Reference Number XXXX. Chapter XXXX Bankruptcy Bankruptcy chapter XXXX XXXX ( successfully removed from XXXX and Equifax ) 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 2022-04-24
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. (AR)

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-04-25
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. (FL)

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX Bank was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Credit bureaus XXXX and XXXX stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.