davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX **Dear CFPB : Please do not forward this complaint to any other agency. If OCC or some other agency is more appropriate for this complaint, please notify me. ** To Whom It May Concern, On XX/XX/XXXX, I closed on a mortgage with Citibank. Citibank admits they are the current noteholder of the mortgage, # XXXX, based on conversations I have had with them this month. 

In her phone call to me earlier this month, CitiMortgage Vice President XXXX XXXX stated that they use a vendor, XXXX, to service/sub-service the mortgage. 

This complaint is against Citibank for not properly supervising their vendor ( XXXX ) who has been repeatedly negligent in servicing my loan. This complaint is also against Citibank for routing complaints and QWRs I have sent them to another company ( i.e., their vendor ) without my consent, even when such complaints were solely requesting response and renumeration from Citi. 

Citi 's vendor has been negligent and deceitful & their vendor has claimed for some complaints they will not respond at all & for others, they sent responses which were outright false. I never signed for a mortgage with Citi 's vendor XXXX, and while it is fine to ask me to send payment to a vendor and process transactions with a vendor, it is reprehensible for Citi to continue to forward my complaints to the vendor ( or to suggest I send my complaint directly to the vendor ), especially given their vendor 's ( XXXX 's ) heinous conduct even in their complaint response process. 

As complaints have already been filed regarding my servicing issues, this complaint is solely regarding Citi 's conduct in not supervising the vendor & Citi 's conduct in involving a vendor in my complaints to them rather than responding directly.
Consumer complaint received 2023-08-04
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: Kikoff Inc. (CA)

in accordance with the fair credit reporting act XXXX   account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2022-03-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Submitted a XXXX application on XX/XX/22 with Pentagon Federal Credit Union loan officer XXXX De XXXX, NMLS # XXXX. Secured a rate lock of 60 days. All our paperwork was submitted by XX/XX/22 as confirmed by XXXX De XXXX via email. Pentagon has dragged their feet on a simple refi with customers who both have outstanding credit. No issues whatsoever to holdup this refi. When XXXX XXXX, our loan representative could not accomplish anything to complete the process we stepped in to finish the job. The ONLY problem XXXX told us we were having was our XXXX XXXX XXXX dues which are paid yearly, the moment the bill arrives. Our POA went out of their way to submit the forms necessary to secure our closing date of XX/XX/XXXX. XX/XX/XXXX came and went and nothing was done to close on our loan. On XX/XX/XXXX XXXX pm, XXXX calls us and says we are going to need to bring another {$9000.00} to {$10000.00} to closing. Alarmed by this increase I ask him to send me the backup paperwork on this drastic ( doubled ) change in fees. He fails to send the paperwork and instead the original loan officer, XXXX De XXXX, sends a new Rate Lock on XX/XX/22 at XXXX pm for us to sign that extends our rate lock by 1 day but now includes points that need to be paid. Points were not on the original lock in agreement of XX/XX/22. I do not believe they are going to get this process done by XX/XX/22 which is our rate lock expiration. We have reached out to XXXX XXXX, XXXX supervisor, on numerous occasions to remedy this situation with no reply from him.
Consumer complaint received 2022-03-22
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-21
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I was withdrawing {$400.00} from TD Bank ATM machine in the machine jammed and does not give me the cash. I contacted them and they said it was my banks problem. And now they will not return my calls or my messages. The machine was inside of XXXX and the store clerk Also heard the machine jamming. Its been over a week now and I still have not got contacted by anybody after many tries on my end.
Consumer complaint received 2018-12-15
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. (NJ)

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Status Updated Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXXXXXXXXXXXX Account Status Charge-off Contact Information XXXX XXXX   XXXX XXXX XXXX XXXX, SD XXXX  ( XXXX  ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Collection Contact Information XXXX XXXX XXXX XXXX XXXX, MS XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MO)

My mortgage was sold to another company during the partial claim process, so both companies filed partial claims with my county recorder of deeds. I have been trying to work with both companies for a year to get this issue resolved. This has prevented me from refinancing my mortgage and saving over {$300.00} dollars a month in interest charges. These two companies Flagstar and XXXX, have promised me multiple times over the course of the last year that they would get the issue resolved, and they have not. I believe that Flagstar is trying to prevent me from refinancing so that they can continue to get higher interest payments. I have filed complaints with the XXXX  and they suggested that I file a complaint this way to get some resolution.
Consumer complaint received 2022-04-06
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. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2022-07-25
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. (FL)

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 a account without my written instructions ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (KY)

I paid off an account with Comenity - XXXX on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Have checked with my bank, XXXX XXXX and the money left my account on XX/XX/XXXX as ordered. Two weeks later I received a late fee notice from Comenity Bank saying the payment was late. I called at that time and spoke with a representative who treated me rudely, telling me it was my problem and refusing to help settle the matter. I made no further payments and have been receiving bills each month since then with an ever increasing amount for late fees and interest. My credit rating has bottomed out due to this. I have called Comenity several times since then and received calls from them about this but there has been no effort on their part to take care of the problem. I called the XXXX XXXX XXXX about this and they advised me to call you and report it. 


The site is asking me to attach a file. I don't have any files to attach even if I knew how to do it. I am XXXX years of age and have XXXX  XXXX XXXX and not exactly computer literate enough to figure this out.
Consumer complaint received 2022-04-06
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-01-05
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.
Consumer complaint received 2022-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Went to bank of America to open checking account ( XXXX ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX XXXX  that I had committed fraud. XXXX XXXX then sided with the fraudulent bank branch and put my name in XXXX XXXX for " suspected fraud '' after reviewing info from bank of America showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX XXXX  continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (FL)

For most of XXXX I have had to deal with LVNV FUNDING LLC making false statements that money is owed to them, I have been called and harassed at all hours of the day, they have called my then, XXXX year old son ( on phone he would use ) and threaten him, yell at him, accuse him of stealing $ from their company, telling him they knew it was really me. LVNV FUNDING LLC did not purchase any debt from the original creditor, they purchased it from the 3rd agency who bought a bunch of debt. When calling the original credit card issuer. they stated I do not have a balance with them. When trying to contact LVNV FUNDING LLC ( in chat they offer ) I was unable to get any important information, I was ignored, I was not given the original credit card agreement when I requested it. LVNV FUNDING LLC is not a loan company and did not issue any type of credit to me. They have lied saying I owe them when I did not sign any agreements and have not balance with the actual credit card company. I am not in a court battle with this group. This company needs to be held accountable for lying, bullying, and misleading people into paying or garnishing wages over debt they did not give. This company buys " debts '' for pennies ( XXXX : {$500.00} debt, LVNV FUNDING LLC pays {$25.00} ) They sue people stating they owe $ XXXX 's fees when they are not owed anything. I do not owe LVNV FUNDING LLC anything and I am being harassed, missing work when my kids needs to be taken care of, due to the lies of this company.
Consumer complaint received 2022-01-05
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. (PA)

To whom this may concern, my rights are being violated by Experian under the federal laws that I've listed below : 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2 ) 15 USC 1692 ( g ) ( a ) Validation of debts 3 ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4 ) 15 USC 1681e ( b ) Accuracy of Report I've tried numerous times to resolve this issue with Experian with little to no success. I asked them to reinvestigate the account as it does not belong to me but someone else.

I asked them to provide me with a copy of the investigation and I am yet to receive it. Experian is hurting my credit score and credit worthiness by them failing to report accurate credit information on my credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meade & Associates, Inc. (OH)

This complaint is in regards to medical debt collections by Meade & Associates, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and XXXX days later to get the amount updated on my credit report, however, despite receiving full payment Mead and Associates refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what Meade and Associates have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on Meade and Associates website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with XXXX showing the false validation provided by Meade. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

Dear sir/ madam, I am writing this on a problem I am encoutering with my account in pnc bank XXXX 

I opened my account with XXXXXXXX XXXX in XXXX. Recently I received email noticing that my PNC account is in low cash mode. 

I did not make any agreements or opening accounts with PNC, and they just started charging me some random fees after they acquired XXXX XXXX. 

I have called the customer service to check what happened. The agent told me he had refunded me and solved it to prevent further fees. However, i am still being charged this month. 

I went to a branch today and the lady told me she can not do nothing about it. 

The fees are not reasonable without any early notifications and ridiculous even after the agent claimed this would not happen again.