davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.
Consumer complaint received 2022-07-28
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. (CA)

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance - Date opened XX/XX/2015 XXXX
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MD)

My name is XXXX XXXX  XXXX XXXX and I am an XXXX XXXXXXXX XXXX XXXX  currently stationed at XXXX XXXX XXXX XXXX. I am writing to request assistance in disputing an error reported by your company to the credit bureau. 

During a loan prequal credit check, I was notified that LoanCare reported eight late payments to the credit bureaus for the year XXXX. I have been a valued member of this company for many years and during this time, I have taken great pride in paying my mortagage on time each month. 

I have a copy of my bank account which reflects ontime payments for the entire year of XXXX and XXXX. I am due to XXXX in a month and would like to purchase a new home for my family to reside while I am away but this negative credit report is hindering me from qualifiying for a loan. Please help me investigate this matter and to correct/delete the disputed item [ s ] as soon as possible. 

My loan officer has contacted the credit bureau and submitted said bank statement, however it was reported that a letter needs to come from loancare in order for them to delete these late accounts. This company has a history of dealing very negligently with customers as evident by the hundreds of very like XXXX complaints. 


Sincerely, XXXX
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (LA)

I have a complaint against my mortgage company Fay Servicing and the handling of my insurance proceeds for the hurricane. I have been waiting over two months for them to Pay the company that finished my roof on my house. I submitted the invoice and they paid half before they started at the beginning of XXXX on XX/XX/XXXX. I have been waiting since then for the other half. The roofers completed the roof on my house on XX/XX/XXXX. They told me that an inspector had to come out before they paid the other half. The first inspector was supposed to come out on XX/XX/XXXX. However he never showed and never called. Fay Servicing took two additional weeks to try to contact that adjuster. After two weeks of no response they found another adjuster. It has been over four weeks since the second inspector has been to my house and submitted pictures. Fay Servicing told me that they still havent received the pictures. I spoke with the inspector on the phone and he resubmitted the photos to them. I keep calling Fay Servicing to get my roofer paid. I have spoken to numerous supervisors. They are giving me the run around with confusing information. Ive been told that they dont have the pictures to they have the pictures but there department havent had the time to look over them yet. I have much more damages and out of the pocket expenses for my house but cant get my money from Fay Servicing to cover it with my own insurance proceeds.
Consumer complaint received 2020-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Hello! 

I'm sending this complaint to let you know that Citizens One, who finances XXXX XXXX loans, does not abide by the Federal Periodic Statement rule. They do not provide monthly statements with interest rates, fees, and pre-payment information. 


XX/XX/2020 After reviewing my emailed " Payment Reminder '' with only balance and payment amount, I created an online account to be able to see my interest rate, and be able to pre-pay my loan. As this information was not provided in my " Payment Reminder ''. I receive no other form of communication, including Statements, from Citizens One regarding my account. 

My online account does not display my interest rate, nor pre-payment information, nor any way for me to make additional payments. 

I navigate through the customer service number to check through the menu options to see if I can find my interest rate, or able to pre-pay, or if there is a penalty. I can pre-pay, however, the message ( recording ) says that I need to check my original loan documents to see if pre-paying is advantageous. This makes me apprehensive that there is a pre-payment penalty. 

I called to see how I can find this information. In summary, I would need to be transferred to a different department that would then be able to send me the truth in the lending document associated with my loan and the helpful customer service representative told me my interest rate, verbally. 

The only information that this company sends monthly is an emailed " Payment Reminder '' which does not include the interest rate, fees, or pre-payment information. 

As a side note, and possible separate issue from statements, are companies required to allow customers to make additional online payments? Because that is not an option ( only by phone ). 

While this company helps answer questions, they should be sending statements with the interest rate, fees, and prepayment penalties. 

Thank you! This is a HUGE loan provider considering 100 million people in the United States own XXXX. 

Keep up the good work and stay well!
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Consumer complaint received 2020-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
Consumer complaint received 2020-05-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

Hope all is well. I was in the process of applying for a mortgage loan, I was told that I was preapproved but additional paperwork is necessary. I met with a Mr. XXXX XXXX from Primary Residential Mortgage , Inc. from XXXX Rhode Island. I handed over W2s, bank statements and paystubs of mine and my wifes. This pandemic come about shortly after and I heard nothing from Mr. XXXX. However, a couple months past and I assumed that I wasnt approved so I had asked for my paperwork back. I was told that it was mailed out a month ago. A couple weeks past still no paperwork. It has been two, three months and still no paperwork. So someone lost all that sensitive information.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS ( servicer ) and XXXX XXXX ( investor ) refuse to review the mortgage for any workout options. Please see attached Qualified Written Request, reply accurately and in full, and please review the homeowner for a loan modification and/or repayment plan. A complete assistance request package to follow within 48 hours.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was approved for a XXXX credit card back on XX/XX/2022. I was only able to use around {$690.00} dollars from that limit because after that all my transactions have decline. I tried calling Bank of America and now they are saying my account is under review and the only way to lift that restriction is to go to the bank with two forms of Id. Im XXXX XXXX XXXX and XXXX  have no interest in showing up in a branch especially not Bank of a America that they take hours to see you. I read my terms and conditions and no where in there it says I have to go to the bank to verify unusual activity on my account. They are violating my rights they approved me and now they do r allow me to use it or to pay it off so I can close This account. Its very sad since I was a Bank of America costumer for almost 40 years. I want the restriction of my account lifted or to be able To make Payment and close it out. Would not reccomend BOA
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

Chime closed my checking account on XX/XX/2023 with no warning and no explanation. They sent an email directing me to their deposit agreement terms for me to " look up '' a possible reason for the account closure but there was nothing I did to violate their deposit agreement. The day they closed my account was the same day I received my deposit from my employer, the UNITED STATES POSTAL SERVICE. Despite my attempts to get an answer, chime has refused to explain why my account was closed and its caused me to have NO ACCESS to my entire paycheck!
Consumer complaint received 2022-07-22
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-23
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. (CA)

Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I received a cancellation notice from my homeowners insurance co, XXXX XXXX that the homeowners policy which was due by XX/XX/2020 was not paid and was being terminated. 

I attempted to contact Citizens One Home Loans, at two different numbers : XXXX for regular loan questions, and XXXX for collections. At neither phone number was a rep available to discuss this issue. 

I have left call back messages and secure messages, and no one is responding back to me. That escrow account has a high balance, enough to pay the insurance back in XXXX, and the taxes at the end the year. 

This is fraudulent activity on the part of Citizens One Home Loans.
Consumer complaint received 2022-07-28
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. (MN)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2022-09-03
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)

To CFPB, I requested XXXX, TransUnion, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-28
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. (FL)

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX & XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account was charged off on the following date ( XX/XX/year>2023 ) Since then the account has repeatedly been updated as charged off every month.XXXX  has a different update date compared to Experian. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account