davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MS)

My name is XXXX XXXX. I have a mortgage with regions bank via XXXX, MS Office. My loan # XXXX. I was originally with XXXX XXXX XXXX  and they retired and sold to Regions. Since that time it has become a nightmare. The XXXX office employees deletes my payments at will. I made recent payments. And I spoke to XXXX XXXX at the XXXX office XX/XX/XXXX she sent a payment ledger and added every single payment back. The office employees has selected my account to be a toy or punching bag and log in to their PC and delete my payments at will. I was working with XXXX XXXX there and she sent me a payment roster in XX/XX/XXXX showing every one of my payments they had deleted my payments so much she sent me the actual Bank payment ledger showing every payment finally got it straight. The employees there have charged me for several appraisals and no one has ever been to my home I need that money back. I pay close to 1,200.00 for mortgage monthly me and my 2 relatives. I have been tortured every since I got behind and caught up they at the office make smart remarks but that's OK the cancellation of all my payments from the PC is awful. We are trying to make the may payment and cant because they have deleted all my payments.AGAIN! It is a Regions nightmare and it needs to stop. I have begged the President to fix it he either doesn't care or lets the folks at XXXX, MS do what they like. I haven't missed a payment last year they had my payment so jacked up XXXX XXXX had added them all back she sent me a payment ledger. It showed every single payment they kept messing with my account The President moved to XXXX TN to make payment XXXX, MS cut that off by deleting about 8 of my payments, they all need to be fired actually. No employee or business owner should be able to treat an account holder like this just because I caught up they should be happy since they send me lying letters saying they are here to help. If they stop deleting my payments I will be fine. PLEASE help me I am trying to make my current payment had they have falsely moved all my other payments around got me owing over {$5000.00} guess what 2 months ago I have receipt for XXXX and XXXX payments XXXX and they are dated as such the PC wouldn't let you pay those months if they weren't correct. I need assistance and help I am just trying to pay my bills and this office of adult who are evil are torturing me and Lord knows who else.My name is XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. A tortured soul. A victim of Region Hate. their phone number is XXXX for Ms. XXXX XXXX who was the one re-adding all the payments and sent the ledger showing every single payment. This has to stop I need an immediate remedy. Please do not show my phone number or address, or last name if this is published i have enough going on at this time. I desperately need help and only you can do it.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

Hi, I had fraud committed against my account several times in XXXX and XXXX and Citibank did work with me to retrieve the funds. I received a notice on XX/XX/XXXX that my account would be closed on XX/XX/XXXX due to exceeding my monthly electronic transfers between my savings and checking accounts. I contacted Citibank and explained that I was doing this out of fear of having fraud committed against my checking account so I was keeping my finds in my saving account until needed and then I would transfer to my checking account. They understood this and confirmed that my account would not be closed due to this and they notated the account. They did not have a confirmation number for m since they do not do that. Two weeks ago I was advised out of the blue that my account is frozen and will be closed in XXXX. Nothing would come in or out of my account. Unfortunately my paycheck of $ XXXX was already sent to Citi for XX/XX/XXXX and Citi advised it would be returned. This was never returned and on XX/XX/XXXX I noticed it in my account but I can not withdrawal or transfer it out. I can not touch these funds I need very badly and Citibank continues to give me no or false information and says I will need to wait 30-69 days for a check. They are holding these funds illegally and should not have accepting them in the first place. They sent a letter on XXXX that said I could go to a branch ( very hard to find in my area due to COVID-19 and get a check issued to me there for my funds ... .I went to XXXX XXXX , NJ and they contacted Citi 's Fraud unit who locked the account and the manager ( whose name I was not provided or number ) advised the personal banker that he could not issue my funds and I had to wait for the process and gave no timeframe. I have no money and a family ... .I live paycheck to paycheck. Other items are bouncing and my credit affected. This needs to be resolved immediately I don't even have gas money. I was most recently told by Citi to open a new checking account so I can transfer the funds to it at a branch. I opened the account XX/XX/XXXX and plan to find another branch ( far away I am sure ) tomorrow but someone at Citibank Customer Service told me that was bad information and it would not work. All I get is wrong information and simply want my money ; I have done nothing wrong. Please assist. XXXX XXXX XXXX.
Consumer complaint received 2022-06-09
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. (IL)

This is a formal notice that you have failed to respond in a timely manner to my dispute letters of XX/XX/XXXX & XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. You have failed to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I had maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC for your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

You exceeded your investigation and this need to be cured immediately. The attached item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information. Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond. Do not delay any further.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Transunion, XXXX, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Consumer complaint received 2022-07-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

VA Home loan was purchased XX/XX/16 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar is acting as a lender to my XXXX XXXX XXXX which was originally through XXXX XXXX however, Nationstar bridge-loaned through XXXX to be FDIC insured. They used XXXX XXXX XXXX XXXX XXXX to conceal who the true lender or party in interest is/was, creating a cloud on my title. XXXX XXXX XXXX XXXX, commonly referred to as XXXX is illegally acting under the registered mark owned by XXXX XXXX XXXX XXXX, in violation of the Lanham Act. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThe XXXX number on my mortgage documents refers to the electronic registry my loan was placed in to be securitized as a mortgage-backed security ( unknown to me ) but that XXXX and registry are owned by XXXX XXXX, not XXXX XXXX XXXX XXXX XXXXXXXX Nationstar has been sanctioned from performing such actions by the CFPB and Federal Govt. See XXXX order. I was never made aware my mortgage Note was to be converted into an electronic note, violating the UETA. It was also never disclosed that my loan would be sold in the secondary mortgage market.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (SC)

Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full to the XXXX XXXX urgent care. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (DE)

I regularly transfer money to my XXXX bank account ... When I tried today, I was not able to do so I was trying to transfer money through XXXX XXXX and when they attempted to initiate the transfer with my bank, PNC, they found that the bank has made some changes that prevent them from linking my Bank account to the site ...
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I received notice from XXXX XXXX that merchandise I had ordered was being shipped. I had not placed this order. It was being shipped to an address in XXXX. They said I had paid {$210.00} using my PayPal account. I have never used PayPal to pay or buy anything, only as a way to be paid during pandemics. I contacted PayPal, but could not raise a human, only shuttled through options. After some time I was able to get a investigation started that I was told may take 10 days. So I then contacted XXXX XXXX to ask them to cancel the order, but they said they could not and that I would have to go to PayPal. I returned to PayPal in an effort to expedite the investigation with little effect. In desperation to halt this, I contacted my bank and put a stop payment on PayPals withdrawal. Now PayPal becomes more interested. They inform me that my bank refused withdrawal. They then removed the amount from payments I was receiving via my business, music teacher. They then informed me that they found nothing inconsistent with my account and closed the investigation. I would like my money back. And so am filing a complaint here.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Consumer complaint received 2020-05-07
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MO)

On XX/XX/XXXX by telephone, I revoked my authorization for recurring ACH debit entries to be made to my personal bank account for my monthly payment. I was informed my request was complete for my next recurring payment scheduled on XX/XX/XXXX. On XX/XX/XXXX, the debit was made. I promptly contacted customer service requesting a refund, also inquiring why the draft was completed despite revoking my authorization two weeks prior. I was informed the customer service rep didnt complete my request " all the way through '' and I would need to complete a refund request thru the Accounts Payable department. I swiftly provided the completed form they sent to me via email as well as the supporting documentation ( proof of cleared payment from my institution, details of my call on XX/XX/XXXX, etc ). The representative and paperwork stated the refund would be complete within 5 business days. On the 6th day I contacted customer service in which I received a response that " they hadnt even opened my email '' and could I please resend it. It has now been one month since I revoked authorization and 18 days since I provided the requested documentation to receive a refund due to FlagStars mistake. I have yet to receive a healthy response other than the concern has been escalated. However, over {$1200.00} has been debited from my account without my authorization and any priority to assist in returning the funds promptly. I would like for their processing to be reviewed and held to NACHA guidelines as well as other authorities for ACH processing, customer service is poor and misleading to say the least. Even after speaking with 3 members of management my request has fell short. My mortgage has since been satisfied as a result of a refinance that prompted the ACH revocation in the first place and I am concerned I will not receive my payment in full as it will be included into an escrow refund and overage of payment, minus interest, etc. To debit a consumers account for $ XXXX during such challenging times creates an extreme financial burden. I hope escalating this concern to the CFPB will aid FlagStar in reviewing thier process for future consumers to not experience the extreme concern and frustration that has resulted from the numerous calls and emails I have had to complete to still not have any healthy updates over 3 weeks later and a month from initial request ... For a mistake made on their end.
Consumer complaint received 2020-05-07
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Consumer complaint received 2020-05-07
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: Exeter Finance, LLC. (WA)

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (TX)

Military Star Card XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a charge off on my account in the amount of a XXXX balance that never was a charge off. It never went to any collections. I am requesting that the charge be removed, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Please investigate this matter and correct the reporting error as soon as possible. 

This was account was satisfied before and collect action to include any form delinquency issues this account did not default nor surpass the 210 day threshold, You can not charge off and account that has already been satisfied and closed as requested and its demanded you remove the erroneous charge-off on my credit report because legally you are obligated to do so. This situation does not fall under the 7 year disclosure because it never went to any form of collection bureau because its proven and represented that you were getting paid on a monthly basis this account was closed in good faith. At this point any further negligence from your company will be submitted up further for military further review. Disrespect like this with victimizing our well decorated veterans is not only disrespectful but will not be tolerated it discredits our military that funds this company and already at the desk of the military committee.
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

CBNA/CITI Best Buy credit card account Citibank , N.A . Office of the President XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX - XXXX XXXX, SD ( XXXX ) XXXX I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00} I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

The only current CBNA account card I have that's in good standings ending in XXXX, I never authorized a second account do not own any other CBNA account and the account being reported in collections as of XX/XX/2020 on my credit report is not mine and when I called they were unaware of where this account came from. Please investigate this matter and correct the reporting error and remove this account as soon as possible.
Consumer complaint received 2020-06-27
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. (GA)

I have contacted XXXX, transunion and XXXX to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.