davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies., Experian Credit Reporting Agency is suppose to report my credit in fair manner. 
Every two months Experian drops my credit score by XXXX XXXX  with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX XXXX I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.
Consumer complaint received 2019-12-04
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. (IN)

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX & Equifax ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Consumer complaint received 2022-10-08
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. (TX)

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

My employer sent my pay check by way of XXXX. I take my check to the bank to deposit on XX/XX/22. They told me only {$220.00} would be available on the XXXX. On the XXXX {$450.00} would be available, and so on! They are a bank who I want to trust with my money, why wouldn't they have phoned the credit union the check was drawn on the day I brought my pay check into the bank. My husband 's bank does that! What's the problem with this bank? I thought that was weird when I walked out after depositing it, but, I figured they knew what they were doing. 
Now, Citi Bank is trying to tell me that I owe the amount of money I was paid, which was {$2800.00}. Before I paid XXXX of my debits of {$1800.00}, I phoned Citi Bank, on the XXXX of XXXX, it was around XXXX and I spoke with a man at CitiBank and asked him if everything was good on my end to make that payment, he told me everything looks good. I told him I just wanted to verify the funds are in my account. 
This is ridiculous, I am unable to pay them my pay check amount, simply because they told me the funds were good. They are playing games with me and I do not appreciate this. 
I'm losing faith in banks all together!
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

We were denied request for assistance on the loan modification. CHFA is not taking any of our phonecalls. I call and they hang up. I call regarding my existing loan and they take more than XXXX hours to answer and then " accidentally '' hang up. I feel they are forcing me to lose my home. They have never tried to call me to fix my loan, they are foreclosing without properly notifying me or my family. I have a family of XXXX currently living at our home. I am trying to modify my CHFA loan and they continously deny and close all of my requests after I have provided them with everything they ask for. Its not fair or ethical at this point.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In 2017 Ocwen liquidated my XXXX mortgage that was included in a discharged bankruptcy and also the same principal balance was wiped away by Litton Loan. I sent proof of documents to PHH/Ocwen you in turn took 5 months to respond to my complaint and request to refund the excess cash my homes was sold for. During the 5 months PHH and the 3rd that fraudulently foreclosed filed additional papers for my previous home based on the evidence I submitted to PHH. PHH rescinded the 2 d lien after I wrote them to advised they were in violation of federal law by billing a debt I don't owe. As a result PHH has stalled my current mortgage process to cover up their fraudulent activity against me. On a mortgage debt I don't owe.
Consumer complaint received 2023-03-16
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: CLGF Holdco 1, LLC (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed 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  To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2022-04-08
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)

My issue is with Experian and XXXX. I am submitting 2 letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after 4 calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to 4 different representatives and 4 different supervisors from each company ( 8 people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the 2 late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points. 



During the six plus years as a Capital One member, my payment due date has always been the XXXX. 



As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus. 



This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX. 



My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues. 


I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit. 



Thank you, XXXX XXXX
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dominion Residential Mortgage, LLC, Fairfax, VA Branch (NE)

I paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX  XXXX XXXX XXXX, NE to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to XXXX XXXX XXXX a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I received charges of {$26.00} on both XX/XX/XXXX XX/XX/XXXX on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.
Consumer complaint received 2022-10-07
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. (TX)

I am XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

Address : XXXX XXXX XXXX XXXX. Texas XXXX Account # XXXX XXXX XXXX XXXX SS # : XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I made an online payment through my XXXX checking account to American Express credit card. American Express didn't credit the payment to my account. Instead, they applied it to someone else 's account. I was told this by XXXX and also confirmed by American Express Representative. I also have the name and account number of the person where my payment landed. I provided proof of payment to them that shows that they accepted the payment and they refused to fix the problem. I opened a dispute with them 4 times and they continue to close the dispute stating that they need more information. However, they won't specify what else they need. XXXX bank has provided all that they can provide to show that the payment was sent to American Express. I am now out {$1500.00} and probably American Express is going to send my account to collections and ruin my XXXX credit score. I am caught between two big companies and they have been treating me like a ping pong ball without resolution since XXXX. Please help. I only have access to representatives who don't seem to have the ability to resolve issues and they rely heavily on computers doing the thinking and sending out auto-generated letters.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -XXXX  # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX I made an uninformed credit decision with XXXX XXXX XXXX bank , regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

On XX/XX/2019, I filed a compliant with CFPB against Citibank. Two days later Citibank Engaged in immediate retaliatory actions and lowered my line of credit from {$21000.00} to current outstanding balance of {$9700.00}.

According to Citibank this was based on a recent review of my credit reports which shows a substantial number of debts owed to other creditors. 

This makes no sense due to the fact when Citibank increase my line of credit to {$21000.00}, the same amount of debt if not more was showing on my credit reports. 

In addition, during the same period I paid down credit card debt by {$5000.00} dollars therefore if anything the line of credit should have increased. 

I had been with Citibank for over ( 8 ) years had never missed or been late with any payments. Citibank decision to lower my line of credit was based solely on Retaliatory action for filing a complaint with on CFPB.

I want CFPB to through investigate Citibank and enact or enforce laws to protect Consumers from this type of abusive practice designed to discourage consumers from filing complaints with your organization. 

Citibank engaged willful misconduct with full knowledge decreasing the consumer line of credit had an immediate impact and lowered the consumer credit score.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC (CO)

I have applied for a new mortgage. XXXX Credit report indicated I was sent to collections for a {$100.00} bill from XXXX XXXX in XXXX XXXX, NC. I have statement from manager of this organization that this account was PAID in FULL and in GOOD STANDING. Report is on my account as ALDOUS XXXX XXXXXXXX assured me he contacted their legal team and they would correct the issue. The only thing their legal team did was to indicate the account was CLOSED. They did not remove the faulty COLLECTIONS report. This has led to a Lowe credit score which led to a higher interest rate which over the course of the loan will cost me tens of thousands of dollars. XXXX directed me to contact you. 
The following is copied from the email from the manager of XXXX XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX XXXX, Thank you for reaching out. I'm showing you had a family add-on 15 month PAID IN FULL membership back in XX/XX/XXXX. It looks like it rolled to a month-to-month renewal afterwards. I reached out the our billing services company and let them know to remove you from collections in good standing. Let me know if you have any other questions. 
Thank you! 
-Original Message- From : XXXX
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MT)

Jefferson capitol syst Has a old XXXX bill from over 10 yrs old their saying is from 2019. This is time barred and they keep refreshing the date. This is illegal and I asked the credit bureas to remove this and they won't.
Consumer complaint received 2020-08-11
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXXXXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX {$4300.00}