davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (MI)

In XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (GA)

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My complaint is with Select Portfolio Servicing XXXXXXXX XXXX # XXXX. 

For several months I told them they had collected WAY too much money in my escrow account. Finally, they agreed to review my escrow account on XX/XX/2022. They finally did on XX/XX/XXXX and decided that yes indeed, they had collected {$18000.00} too much. 

They " said '' they mailed a check on XX/XX/XXXX. ( Who " mails '' a check over {$18000.00}? ) It is now 11 days later and no check has been received. It has been 23 days since they " learned '' of their over charging me. I still have not been made whole. They have {$18000.00} of my money that they have been earning interest on. 

I WANT DAMAGES!!!!! They are abusing consumers and are earning thousands in interest rather than promptly reimbursing the client what they should not have had the whole time. 

I warned their incompetent staff REPEATEDLY that I was going to the CFPB. One of their employees said, " go ahead, we don't care. ''
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (AL)

The mortgage loan is in my late husband 's name. 

Initially, the loan was with BBVA. When I had to pay the loan from my account and not through the automatic method where the bank takes the money out of his checking account, BBVA thought they were not getting paid. I attempted to contact them to discuss but they would not talk to me. 

Now PNC has bought BBVA and they won't talk to me either. 

I am attempting to refinance the loan and get it into my name. I learned from my attorney, that I should have had access to the loan from the beginning as the widow and my name is on the property 's deed. 

I have been charged fees and not allowed access to insure the home at a lower rate than the imposed insurance the bank placed on the home. 

I am XXXX and do not have access to funds to fight PNC. They have applied my payments for the last 3 months to the alleged amount that I owed that BBVA did not pursue as they knew they had received payments, but the automated bank statements continued to say that I was behind. 

I was filing for my XXXX when my husband died of XXXX. Following his death I had to file for bankruptcy due to medical debt and have just now reached the point where I can refinance the home into my name and I have a lender waiting on clearance from PNC to complete the refinance. 

Had I been able to access my legal right to the mortgage account this issue would have been resolved immediately.
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.
Consumer complaint received 2022-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

CITIZENS BANK BROKE THE LAW AND COMMITTED IDENTITY THEFT!!!!! PLEASE READ! 

Citizens bank has broke the law and continues to violate my federally protected consumer rights under the FCRA AND FDCPA. On XX/XX/2022 XXXX XXXX stole my vehicle through an illegal repossession by XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Citizens Bank. I never signed any contract with XXXX XXXX XXXX  or XXXX XXXX. I never gave consent for Citizens Bank to share my personal information with either of these companies. No consent is IDENTITY THEFT! Not only did I not give consent to share my information but upon doing research into XXXX XXXX XXXX I found that this company runs skip traces on consumers. I have provided a copy of the " alleged contract '' and no where in it does it mention XXXX XXXX XXXX XXXX XXXX or being subject to a skip trace. After this direct violation Citizens bank failed to send proper notification of repossession, notice of sale and the deficiency notice to me which they admit to in a letter I attached. In a letter I have a attached from XXXX XXXX she states that the vehicle was repossessed on XX/XX/2022 but I have provided proof from XXXX XXXX that the vehicle was in fact repossessed on the XXXX. In a letter I have attached XXXX XXXX shows a call on XX/XX/XXXX in which I spoke with a representative. That was the day after repossession and I gave the agent my updated address which was XXXX XXXX XXXX XXXX, XXXX XXXX. I have provided proof that citizens bank did in fact have my updated address from a letter sent pertaining to a copy of the " alleged contract '' I requested. I have become aware that Citizens Bank was involved in a class action lawsuit for failing to send proper documents to consumers. After filing a complaint on citizens bank they responded with a letter I have attached and demanded payment. In this letter they state that they are attempting to collect a debt but do not give notice that I have the right to dispute the alleged debt. In this letter they mention XXXX XXXX XXXX. Again Citizen 's Bank has committed identity theft by sharing my personal information without my consent. In the " alleged contract '' provided I never signed anything with XXXX nor are they mentioned. In this letter Citizens bank tries to collect two different amounts {$9500.00} and {$7400.00} but neither of these numbers reflect what's being reported on my credit report. Citizens Bank is in direct violation of my consumer rights and should be held accountable. XXXX XXXX states that Citizens bank must adhere to the fair credit reporting act but they are directly in violation of the law. I never gave written consent for this trade line to report in the first place nor was I given notice that I had the right to keep my information private. I believe that Citizens Bank committed conspiracy to keep required documents from me as well as produce fraudulent documents.
Consumer complaint received 2024-08-24
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. (FL)

I have some credit inquiries made to which I never gave my authorization to make them, I am unaware of these requests and there are even accounts that are already closed, I describe them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I get daily emails from Kohl 's, mostly advertisements and sales related. The only emails I get from XXXX are the monthly statements and privacy notices. I was notified yesterday by my banking app that my credit score dropped XXXX points. I was alarmed and immediately set out to find out what account was delinquent ; it was my Kohl 's card, which I was under the impression had been paid. The Kohl 's app has a section that allows you to pay your Kohl 's card, which is how I usually pay. Every time I try to use the XXXX website, I get told my login is invalid or other error messages and have to reset my password or have the website email me my username, even though I have my login saved. I was trying to log in to see what happened with my account, and was told to call but not readily provided the number to call. I had to go back to the Kohl 's website to find a number to call. The person I spoke with at the call center pulled up my account and could not tell me why I was unable to log in, or provide my username, or explain why my previously scheduled payment went through. I had a screenshot taken during the day I paid, but did not have a screenshot or email confirmation number. She then was told by a supervisor that the website was down for an update and there was nothing more they could do for me at this time. I scheduled a new payment today and confirmed they were able to see it on their end, but they said there was nothing further they could do to help. I tried doing more research and found that amongst the daily emails I get, there was an email with the subject line 'Did you get a tax refund? ' - I had assumed it was advertising, so I hadn't read it previously. Upon opening it, in red letters it says Payment Required - never would I have guessed it was meant as a past due notice. I looked further back in the Kohls emails to see what I had received. I received statements from Kohl 's Card XX/XX/XXXX and XX/XX/XXXX with no emails in between. XX/XX/XXXX was the day the payment was due, which I thought I had already paid. There was no past due notice between XX/XX/XXXX and the statement sent on XX/XX/XXXX made no mention of the account being late or past due. I never received any letters other than advertising. After the phone call, I tried using the online chat and was told they could not help with anything other than removing a late fee- I don't care about the late fee, I care about my credit score that I've worked a decade to build!
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Credit Karma (FL)

Credit Karma app has conducted 5 " soft credit inquiries '' during the month of XX/XX/2022 alone, and I'd like to get information on who authorized them to do this and why/what they are doing this for. I do not have services with them other than just to see my credit score yet they're taking the liberty of soft credit inquiries, despite my credit being frozen and I've not provided them any authorizations to do so. Additional note says " Consumer Report '' in those soft inquiries also, but doesn't relate to why or what they're doing.
Consumer complaint received 2022-03-30
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. (IN)

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 2022-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX. 
The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address. 
I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years. 
This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis. 
If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (FL)

Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted me!!!!
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 

Thank you XXXX XXXX
Consumer complaint received 2022-02-26
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. (CA)

Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for ca mortgage relief back in XXXX, 2022 it was approved, they send my past due payments about {$58000.00} to BANK OF AMERICA in XXXX 2022 Bank of America Transferred My loan to XXXX XXXX XXXX in XXXX, XXXX, 2022. 
Now Bank of America is Holding the money that Ca. Mortgage Relief sent them. they are not returning the money they did not transfer the money to XXXX, my house is going to go to foreclose soon, XXXX  is keep charging me a very higher late fee charges of {$280.00} a month higher than Bank of America was {$97.00} I need help to get the money back so it can be sent to new servicing co. XXXX.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (TX)

On XX/XX/2022 I received a Chime card in the mail ( card number XXXX XXXX XXXX XXXX ). 

I have never heard of this company and never requested to open account. It is impossible to reach anyone via phone so I sent an email. Within 10 minutes of sending the email I received a response the account was closed. 
The next day, XX/XX/XXXX, I received another email stating it was confirmed as identity theft. 

On XX/XX/2022 I received a second Chime card in the mail ( card XXXX XXXX XXXX XXXX ). I immediately sent another email about the second fraudulent account. Response was again very quick stating they were transferring my email to a specialist for review. 

Since the last email I have made several attempts at follow up with no response. 

I need confirmation first of all the second fraudulent account is indeed closed. Secondly I request that my information is flagged in their system so any attempt at opening new account is known as fraud and fraudulent.
Consumer complaint received 2022-03-30
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)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Consumer complaint received 2022-03-30
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: LEXISNEXIS (PA)

Lexus nexus is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.