davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have two issues or problems paying my mortgage.

1 ) During the process of attempting to resolve unapplied funds due to an escrow issue with 5/3 Bank, I have been given insufficient instructions on what to pay to get my loan current. During multiple calls, I have been told that the fees will be removed as the issue started with an error on the 5/3 's side which is confirmed by a letter received from 5/3 where the apologize for their inability to service and provide guidance to me. However, this inability continues and I now have another {$74.00} in late fee but none of my payments have been received late ( All within the Grace period ), and all in line with directions provided by 5/3 customer representatives. It seems like I have no way to pay this loan in-time or with the right amount as 5/3 is changing the goal post on my over and over again. Instructions and promises over the phone are wrong or pure lies. 
2 ) In my attempts to refinance due to lower interest rates, I found out that my credit score is severely impacted by 5/3 's horrendous practices. This is also something that 5/3 confirmed and apologize for in a written letter dated XX/XX/XXXX. This mistake on 5/3 side will now cost me {$50.00} per month for the next 30 years or about {$18000.00}. During my many phone calls with a 5/3 representative, they constantly told me that this information would not be reported to the credit bureau. Another lie or misinformation. If I would have known, I could have paid the difference until 5/3 corrected my accounts. Again, how can you trust a bank institution when the can not provide accurate information or they straight up lie to you. Is their no code of conduct in this institution or within the banking industry?
Consumer complaint received 2020-05-01
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. (SC)

What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a XXXX XXXX with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And Experian they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!
Consumer complaint received 2020-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a Capital One with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And XXXX they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!
Consumer complaint received 2020-06-16
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. (CA)

I paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.
Consumer complaint received 2022-07-17
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. (SC)

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # 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 2022-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (TX)

PNC purchased BBVA Compass Bank I have ( XXXX ) issues that I need the CFPB to me resolve. 

I have been a mortgage holder with BBVA since XX/XX/2015. 
I never once missed a payment or not received statements. 

Once PNC took over the mortgage account, Issue number ( XXXX ) : PNC cancelled ACH off my account causing my payment to go ( 60 ) days late. 

When I was made aware my mortgage was cancelled off my account by viewing my credit report, I called immediately asking how ACH was removed, they stated someone called and cancelled, I advised I never called and cancelled and requested they pull the call because this has adversely affected me, they stated they could not. In that moment on that call I then paid ( XXXX ) months of payments and explained I have been a mortgage holder since 2015 and I have never once been ( XXXX ) days late. 


Issue number ( XXXX ) : I had not received any mortgage statements from PNC bank failing to notify me of account changes or receive statements on the account. 

Per section XXXX Periodic statements for residential mortgage loans. 

Section ( XXXX ) Periodic statements. A servicer of a transaction subject to this section shall provide the consumer, for each billing cycle, a periodic statement meeting the requirements of paragraphs ( b ), ( c ), and ( d ) of this section. 

As well, per section ( b ) Notices of transfer of loan servicing ( XXXX ) Requirement for notice. Except as provided in paragraph ( b ) ( XXXX ) of this section, each transferor servicer and transferee servicer of any mortgage loan shall provide to the borrower a notice of transfer for any assignment, sale, or transfer of the servicing of the mortgage loan. 

Due to PNC & BBVA transition in ownership, their systems failure to communicate and properly merge all account information, I am wrongly affected by : ( XXXX ) having ACH cancelled off my account due to PNC systems not communicating and me not being notified ( XXXX ) not receiving any legal, account or ownership correspondence from PNC. 

I was never notified via mail, phone call or any attempt at all. 

I am requesting ( XXXX ) day lates be removed off all credit bureaus immediately, as this has caused an extreme financial hardship that is due to PNC, not me. 

I have spoke with their escalations team, I have conducted research and found many PNC customers have had issues since the merge of BBVA and PNC and I am not the only XXXX adversely affected. 



Thank you kindly for your help & all of blessings to you, XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I had a XXXX account with Syncb Bank which was comprised with all my accounts with Syncb accounts at that time and it shows on the Syncb bank that I missed two payments but I was unable to go online and correct them. 

I would appreciate you guys contacting them and helping me fix this on my credit report. 

I am being treated unfair and unjust by this corporate conglomerate. 

Thank you for any help you can provide.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK (CO)

First Bank XXXX Colorado ( 1st Bank ) did knowingly and without my knowledge or consent allow the withdrawal of 100 % of the funds in my savings and checking accounts to be withdrawn via a garnishment, which I was not made aware of. I was never served with a Complaint, never advised of a Judgement against me nor was I served with a Writ of Garnishment, which is required by law. Further, 1st Bank refused to provide me with any information about the Garnishment, and debited my accounts in excess of {$11000.00}, which is approximately {$4600.00} MORE than I had in both accounts combined, resulting in an overdraft on my checking account of over {$5000.00}. Again, they willfully refused to provide me with details of these transactions, and charged me a {$150.00} processing fee additionally. My accounts are now frozen, the bills I had paid are going to be returned NSF and I was never given proper notice. Again, I was not aware of this action and only became aware of it when trying to purchase groceries at XXXX and having my debit card denied. I was paid on Friday, XX/XX/XXXX and I checked my balances via the automated phone line at approximately XXXX. I had an an available balance of {$3400.00} after being paid my salary of {$2600.00} plus an expense reimbursement check of {$450.00}, and the existing balance. I began paying my monthly bills to my electricity and cable providers, cell phone, car note and credit cards in the amount of approximately {$2300.00}. Sometime that afternoon, XXXX Bank, without informing me, froze my accounts, withdrew the previously mentioned monies, yet somehow allowed a withdrawal from XXXX at approximately XXXX XXXX to go through for {$26.00}. Now, all of my bills are going to bounce, and again, I was never given legal notice of such actions, and they refuse to provide me with any details. I have been a customer of XXXX Bank for over 20 years. I am considering legal action and the possible involvement of the media via consumer affairs reporters at my local new outlets and contacting my elected representatives regarding the violation of state and federal banking regulations.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Escrow charges in the amount of {$370.00} were placed on the bill allegedly for lack of proof of insurance in XXXX of XXXX. 

Proof of insurance is scanned into UWM system on XX/XX/XXXX @ XXXX AM. 

Then loan was sold on XX/XX/XXXX, with these escrow charges even though proof of insurance once again was scanned into the UWM system on XX/XX/XXXX @ XXXX AM before the sale of the loan. 

The current lender notes that UWM must remedy this issue to remove incorrect escrow charges from the loan purchased from UWM.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

The XXXX XXXX XXXXXXXX has refused to provide proof of payment of a charge off account and update XXXX to reflect the account was paid. After paying off my charged off account that was reported to XXXX, I requested a formal letter that I can have so that I can use it to open a new bank account, since the bank refused to allow me to open a new account after paying my balance in full. 

The XXXX and XXXX XXXX XXXX and XXXX locations refused my request. I was told that I have to wait an unspecified period of time that may exceed 30 days, while the internal operations processed the payment. Although I explained I needed documentation to urgently open an account it was refused. The manual receipt I received was not enough to show proof of payment to other institutions. 
A person should not have to wait that long for a paid account to be reported. If so, there should be documentation that can be provided outside of a bank teller receipt. This is an unlawful process that needs to be managed. 

Since the account was reported to Chexsystems, it falls under FDCPA and FCRA guidelines, which entitle me to receive a statement of my account or record of payment upon request. The bank refused to provide the information, required me to come to the branch to request in person and was then refused. This is detrimental to customers. I should not have to wait 30 days. When these payments are made in the branch, they should alos be accommodated with a letter that states the account was paid, and who to contact as proof until their operations dept processed the payment. 

I need a letter stating my account was paid and should not have to wait until they get around to it. Please make them issue the formal letter to be sent to the email or physical address I provide. 

Not doing so violates the FDCPA and FCRA guidelines that supersede their internal process because once the account was closed and reported as a debt it became subject to the FDCPA and FDCRA laws.
Consumer complaint received 2020-06-16
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. (FL)

I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ).

Please investigate and delete.
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. MPN does not exist for this time.
Consumer complaint received 2020-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have 3 XXXX XXXX cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling XXXX XXXX several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with XXXX XXXX # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. XXXX XXXX will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2020-05-01
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 (OH)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (OH)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (GA)

On XX/XX/2022 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 Equifax data breach and may have gotten into hands of the wrong person. ''