davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loan Number XXXX Reference : Mortgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My loan was sold from XXXX due a bankrupt ; when the transfer the loan they missed transfer two months payments.

Ive contact new bank LOAN CARE since they claiming 3 months pay they advise me not to worry theres 3 months period and will start an investigation not pay the months in dispute until they finish all investigations. 
In the meantime I've sent several documents even the bank manager called directly from the bank confirming every month an automatic payment was sending to XXXX After almost a year LOAN care respond to me saying they can't collect the two payments and I have to contact directly to XXXX and they report me late all the time the investigation last. 
I've contact XXXX and finally send me a check with the two months they missed sending to loan care bank Ive trying to explain LOAN CARE this mistake and im not responsible each time I claim they adding an extra month even though the mortgage is been transfer to another bank two years ago. 
Im XXXX  citizen Im sure this discrimination to me since this happening Im contact the XXXX  citizens lawyer in my district to help me to get justice Im attaching plenty of evidence of what im saying PLEASE HELP ME
Consumer complaint received 2022-06-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

Teller at this location is not trustworthy. 
My Debit card number was stolen. 
I use this Debit card only for withdrawals at this Bank location. 
The Debit card number was stolen and misused. 

Truist Complaint Number : XXXX
Consumer complaint received 2020-05-06
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: AMERICAN EXPRESS COMPANY (CA)

Dear Sir or Madam, My ex spouse, XXXX XXXX used my social security number to applied several credit cards and may get financial benefit by using my personal information to create false employ information for his friends who is applying permanent resident. I had a joint account with XXXX XXXX. It was according to the suggestion of Attorney XXXX whom XXXX hired to help apply permanent resident for me. XXXX XXXX has repeatedly stated that I dont need to bother about our joint account. That is just what he used to pay utility bills and set up his own credit card for automatic repayment. XXXX XXXX own main financial activities still use his personality account. The existence of joint account was his tool for damaging my credit. He even used joint account to cash pay stub check under my name. Actually I didnt work for anybody and he requested me to be a housewife since married. Had been a housewife for several years and unfamiliar with the country, I was isolated from society and never checked my credit report by myself. XXXX XXXX closed the joint account personally after I noticed identity theft issue. But he continued to hurt my credit. 
I am a victim. Besides credit hurt, XXXX XXXX kited money from my family. I am a single mommy who is undergoing hard life right now. XXXX XXXX doesnt pay child support. The reason I mentioned this is to figure out that I am a person with responsibilities. There are many people and things I life that can testify my character. I did not apply for and used these credit cards, nor did I know. I believe in justice and law. Although hard, I tried my best to resolve this probelm. 
I called the police. The Police Report No. is XXXX andDetective Officer XXXX XXXX is responsible for my case right now. 
I had summited a identity theft report about this to Federal Trade Commission, and the reference number is XXXX. 
I had summited dispute request to the three credit report companies. One of them has removed credit history about fraudulent cards and the other two is under investigation. 
I sincerely prayer results of this case are consistent with the facts. 
Thank you!
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

This was a mortgage refinance. I submitted payment to CIT bank on XX/XX/21 to the address provided and with the attached stub provided. The payment was cashed on XX/XX/21 ( but the stamp endorsement on the back shows a XXXX XXXX XXXX account number ). As of XX/XX/21 my mortgage account shows no payment has been received. I called the number for the bank ( CIT bank ), and the guy that answered stated that he works for " XXXX '' which does servicing for the bank. He stated that he could only confirm that no payment was received. He stated multiple times that he does not work for CIT bank, and he offered to transfer me to a number for CIT bank, which led to a circular automated system, which eventually hung up on me. I could not get a human being from CIT bank on the phone.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NJ)

This is my numerous request that you update this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-30
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. (FL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXX 5. XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (AZ)

OneMain Financial failed to update the payment due on the second Wednesday of each month as previously approved causing my checking account to be overdrawn. 

On XX/XX/2022, OneMain records show a payment made on the second Wednesday. 

On XX/XX/2022, OneMain presented the payment which previously was approved to collect on the second Wednesday of each month. 

On Monday, XX/XX/2022, I called the Office saying not to present the payment until Wednesday, but OneMain intentionally claimed to be paid on XX/XX/2022, causing overdrawing of the account. 

Such abusive treatment is not acceptable.
Consumer complaint received 2022-05-05
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: Bread Financial Holdings, Inc. (MA)

In accordance With fair Credit Reporting actXXXX XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

We closed our refinance with Citi Mortgage back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to XXXX XXXX the escrow company that closed our loan. When I reached out to XXXX  XXXX for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to Citi as per their request. 
Until today I have not heard back from XXXX  XXXX or any one from Citi regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a complaint with CFPB originally on XX/XX/2023. A balance transfer was completed on XX/XX/2023 but returned XXXX weeks later on XX/XX/2023 for an unknown reason. As a direct result, I was left with a credit balance that is nearly double the credit limit. 

Capital One was unable to give a sufficient explanation and has since destroyed my credit. I can not qualify for any other type of lending, i can not qualify for any other type of housing and I am primarily paying finance charges each month, rather than making any progress on paying down the principal balance. 

I have called and spoken to Capital One on a number of occasions. I've requested to apply for an increase, a balance transfer, to negotiate a settlement agreement, and a few other suggestions to help pay down the balance I owe. Due to my bad credit score, capital one denies me, regardless of their role in causing my credit score to drop. 

I am barely paying down the principal balance XXXX $ per month, which will take 18 years at minimum. I can not seem to get any assistance to negotiate such an abusive tactic and as a single parent to a toddler, I do not have room in my budget for this. Capital one is using discriminative practices due to my class, gender and familial status in an effort to keep me indebted to them at unreasonably high rates. I also feel that it is an abusive practice to compromise the integrity of my credit score as a way to keep my account with them and collect payment from me.
Consumer complaint received 2020-05-06
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)

I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I sent disputes to XXXX, XXXX and TransUnion and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ), on XX/XX/XXXX the accounts have been updated from an 'open ' status to a 'closed ' status. 
In addition, TransUnion is now reporting the account TWICE with completely different balances. I have already gone through court for this account, I have sent the results of the settlement to XXXX, XXXX and TransUnion. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, Ireally do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX after they began to damage my credit, I will not hesitate to pursue litigation with TransUnion, XXXX, XXXX and the collection company XXXX XXXX XXXX. The only thing the bureaus have to do is verify the information I sent them, now they are damaging my credit more?
Consumer complaint received 2022-11-07
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. (CA)

I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. I have been a victim of Identity Theft and the account I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-01
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. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a complaint against TransUnion for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided TransUnion with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that TransUnion promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

XXXX RP Funding responded to my original complaint stating that flood zones change and the property has been deemed to be in a non flood zone. Since the structure is not effected and not located in the flood plain, the decision was made to cancel the flood insurance requirement and/or any force placed coverage. 
XXXX I called RP Funding inquiring about the escrow account not being credited for the {$2400.00} since the property is no longer required to have flood insurance. The response was that the FEMA maps that they acquired days prior was for the current flood insurance requirement. I asked if they had looked at the FEMA maps that had been provided via snail mail, email and FAX by myself, XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX. XXXX, in the insurance department stated that it is my responsibility to provide them with the FEMA maps that would have been in effect from XXXX. I went to the FEMA website and obtained the maps that RP Funding demanded I provide to get the forced-placed flood insurance policy refunded. In my research the flood map for my property has not changed since XXXX. Therefore the maps acquired are the same maps that they have which should be in my file numerous times and a copy was even included at the time of closing. 
XXXX I composed a letter expressing and detailing what I am making a formal complaint about now. I submitted FEMA maps both by email and FAX.
Consumer complaint received 2018-12-16
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: Russell Collection Agency, Inc (MI)

I notice an incorrect collection account on my credit report from Russell Collection Services in the amount of XXXX. I dispute this information with the company in XX/XX/2018 which I didn't receive a response. On XX/XX/2018 dispute the info with Credit Bureaus which I received a response account verified. Ask for the steps how was it verified in still no response. Call Russell collection and still have received proof of account. I am a victim of identity theft
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Based on my dispute with XXXX XXXX " XXXX XXXXXXXX XXXX '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- Equifax still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.