davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (MD)

My XXXX  mortgage account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am trying to update my prior complaint with Citizen 's bank. I want to provide more information to you. 
XXXX I spoke directly to XXXX XXXX XXXX who told me he would contact me in a few days to discuss a possible modification again of my current mortgage. That was in the middle of XXXX ; please see attached Email follow-up. 
He instructed me NOT TO PAY the XXXX mortgage or pay going forward until it was straightened out since my payments were being denied and sent back. 
It is now XX/XX/2022, and my next payment is due. I am being notified by the credit bureaus that my score is dropping because I am being reported late. 
I have sent 2 emails to the address he gave me, both have gone unacknowledged - I have no idea if they are being opened, received, or what is going on with my case. I have tried to call but I have been unable to reach anyone. I am starting to panic as this is exactly what happened prior to my first complaint, no one did anything and I was reported making late payments to the credit bureau. I have been denied a credit card, and it is embarrassing. 

I have attached 2 mortgage statements- showing that Citizens did not record my mortgage payments which were made on time. 
Specifically - look at the XXXX statement- it shows NO PAYMENTS for the mortgage for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2022. I am attaching proof of those payments made electronically directly to Citizens and cashed. They reported me as late to the credit bureaus. 
I modified my mortgage, they told me to make the payments, then they refused them. Reported me as late, charged me an extra {$70000.00}. I am sick about this. 

XXXX XXXX asked me for this information and would get back to me over 2 weeks ago at the end of the week. I have heard nothing. 
I was told not to pay XXXX and now it is XXXX, I am sure no one will believe me, but the line was recorded. I just don't know what to do now.
Consumer complaint received 2021-11-19
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

We purchased a whole kitchen set dishwasher fridge stove and microwave it was all good till they delivered it the sales person text me made sure everything was good on day 1 when the 3rd party that they hired came to install it they installed the microwave and dishwasher incorrectly I text sales person went from How are things going to this is your problem you call them so with bad customer service we purchased a different set pack Conns set up and took it back to them after only a week we left it on the front because of covid we can not go inside he rudely said he would take care of it when he got a chance and since then this company had messed up my credit I worked hard to keep with items they have I want this removed of my credit now
Consumer complaint received 2021-09-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;
Consumer complaint received 2021-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

We have been trying to get the PMI on our mortgage cancelled for 6 months. NewRez is the servicer.

We have called, messaged, and I sent a certified letter via USPS. They don't seem to know what PMI even is. 

Also, I am again locked out of the account on their website, stating wrong SS #, when it is not wrong. 


Loan : XXXX at XXXX XXXX, XXXX, MI XXXX Appraised Value : {$390000.00} In XX/XX/2021, {$38000.00} was paid towards this loan, which brought the total we owed to {$310000.00}. 

That right there brought the L to V ratio to 79.73 %. 

We immediately contacted NewRez, they have played all kinds of games, they don't know what PMI is. They said we had only paid 98 % towards the loan, then tried to sell us refinancing we didn't ask for. 

We currently are at : {$310000.00} owed 21.11 % paid off We have been above the required 20 % since XX/XX/2021. This is terrible service. We mailed NewRez the thousands of dollars in improvements we have had done, and they again, answered with advertising. 

We did our due diligence according to the Homeowners Protection Act. 

They have been charging $ XXXX/month. They even have it projected to the future of the next 2 years paying that much per month. 

We want our money back. That is : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again, XXXX. 

Yes, they charged us PMI TWICE in XXXX. I'm looking at the printout they mailed to me since I can not get in our account. 

NewRez owes us {$1300.00} plus the interest rate of our loan. And it would be great to get a different Servicer, one who knows how to do math. 

This was also sent to XXXX XXXX.
Consumer complaint received 2022-08-16
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 am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} XXXX  XX/XX/2022 {$4000.00} XXXX  XX/XX/2022 {$3200.00} XXXX  XX/XX/2022 {$6400.00} XXXX XXXX XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company has listed my account as delinquent and/or charge-off. According to federal law this is a violation of my rights as a consumer. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, should never be reported as late nor should it contain a balance because it contains a finance charge. A finance charge is the sum of all charges, which means this account was paid in full upon this company using my credit card ( social security card ). I am in complete distress because I have been attempting to remove this from my consumer report more than once. This company is causing me great distress and these fraudulent actions have been harmful to me.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

This is in regard to Citizens One Home Loans. I have been trying to get a current copy of my mortgage statement and can not. They have blocked customers who have their home loan in forbearance from accessing their account online. I have called there for several days and spent up to 5 hours waiting on the phone not to speak with anyone. One representative will transfer me to customer service about trying to get a copy of my monthly statement and find out why I can't access my account. I held on for 2 hours and no one answered the phone.

No one will return your call on the second note.
Consumer complaint received 2022-01-12
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)

I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and Transunion is in violation of 15 USC 1681b ( 2 ). I never given XXXX and Transunion who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and Transunion is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and Transunion has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and Transunion to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and Transunion without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (WA)

XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. 
XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. 
XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. 
XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. 
XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. 
XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? 
XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. 
Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? 
Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? 
None of this was my fault. 

Thank you. 
Regards, XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : XXXX. I've called XXXX several times and spoken with agents. 
XXXX. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main Comenity Bank in XXXX, to seek resolution. Customer Service told me in late XXXX, that the only method was to write the bank itself in Ohio. 
XXXX. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
XXXX. I filed a dispute with XXXX XXXX in mid XXXX and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-19
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: WELLS FARGO & COMPANY (CA)

I checked my credit report and saw that there was a credit card in my name from Wells Fargo. It had been opened since XX/XX/2019. I became aware of it today. I called Wells Fargo and they informed me there isn't an account under my name nor social.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

I keep getting text messages that my Citibank account has been frozen or that there are purchases made that I did not authorize ; all direct me to a link. Sometimes they ask for account info, sometimes they send an XXXX XXXX code. The punctuation and capitalization are often incorrect. 

However, I called my Citibank credit card directly and they said that my card is not frozen nor does it have any of these aforementioned charges. 

The texts are coming in on these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also on the do not contact list. Despite that, I have asked that they remove me ASAP, but no luck.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

DIVERSIFIED ADJUSTMENTS at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX has been sending me collection notices in the amount of {$830.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-11-19
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. (TX)

I have filed a complaint along with a copy of an Identity Theft Report ( see attached ) on 2 different occasions and you have refused to remove or block the fraudulent information from my credit file. The items are XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Per the Federal Credit Reporting Act 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You are breaking Federal Law. This is my last attempt to rectify this issue and if not my next course of action is to file a lawsuit against Equifax for damages.
Consumer complaint received 2021-11-19
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. (CA)

Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting act, XXXX Acct # 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