davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CO)

Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/year> which is the last date before the account is considered late for XXXX. I received notification from XXXX that my account was 30 days delinquent which is incorrect it was current as of XX/XX/year> and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called Freedom Mortgage on XX/XX/year> to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NY)

i purchased a vehicle from XXXX in XXXX of 2024. I purchased a XXXX XXXX XXXX from XXXX. I was charged {$18000.00} for the vehicle and i am being charged 19 % on loan. I believe that the loan rate is unconscionable and predatory. A 19 % interest rate on a {$18000.00} is an unjust amount and i believe the loan is predatory.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I used my Citizens card ending in XXXX on my XXXX app in error, as soon as I made the purchase I signed into another bank I have and made a transfer of {$15.00} to cover the amount the account was overdrawn by. 

The XXXX transfer was made on the same day my account was overdrawn. 

For some reasons Citizens bank held the funds until XX/XX/XXXX. 



I attempted to contact Citizens bank via chat it kept going in circles it appears Citizens restricted my access from using chat. I used my mom and my aunts account to do a chat and they were able to communicate with Citizens via chat. 

I called their service center today XX/XX/XXXX and spoke with XXXX, I educated XXXX on the error Citizens bank made and asked her to rebate the fee assessed in error. 

She said this was not a bank error and that in order for me to learn the reason the online team did not post my account deposit I would need to speak with a different team. I asked to speak with her XXXX and before I could get done explaining myself she dumped me into the online banking queue, I was on hold for less than XXXX minute and so my call magically disconnected. 



I also sent Citizens bank chairman group and email and no one responded. I am tired of having to reach out for external support to have Citizens bank resolve an issue, It appears they intentionally held my XXXX transfer to post it on the XXXX so a fee can be assessed. 

I am tired of them using these deceptive practices to bill consumer fees.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This complaint pertains to previous complaint XXXX. The CFPB informed me that Wells Fargo had responded to my complaint, and there were supposed to be three attachments provided by Wells Fargo on the complaint, but the links to the attachments were not clickable -- they did not link to any attachments or documents. Obviously, there was a glitch or omission on Wells Fargo 's part which caused the attachments not to be viewable.

Here are the names of the three failed attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need Wells Fargo to respond again, this time with valid links to the attachments.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was Transunion questioning my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX XXXXXXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. 

This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
Consumer complaint received 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds.

After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. 

We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents.

We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of.

This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX XXXX opened on XX/XX/2020 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-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 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Back in XX/XX/2023 both my checking and savings account were closed by Citibank, i spoke to a Citibank representative and stated that my account was being closed and i will be receiving my funds in a cashier check through mail XXXX days after the account was closed. Its been over 70 days now and i have not received any checks by Citibank. I call in Citibank to get an update of my funds and i get transferred to many departments ( fraud prevention, security department ) and no one seems to give me an answer. There response is the back office has to email us back with an update. Ive called so many times for over 3 weeks now and get the same response. They give me a call back date and no one seems to give me a response or just hang up because i am no longer a account holder, i ask so who knows where my funds are at, and all they can respond is I dont know. This situation is getting really frustrating. 

I have received bank statements through mail and it shows that my funds were pulled out of my accounts back in XXXX XXXX. So it has been over a month now that my funds are no longer in my account.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Although transunion, XXXX and XXXX  have their own/individual reports, each of companies are reporting similar information that is/has impacted my credit report/scores. For example, my wife and I have purchased four properties in the State of Florida and each of the properties has been paid off for at least 16 years, yet the credit reports are saying in part " we have little or no mortgage payment history. ' Therefore, our credit history and reports are damaged with inaccurate information and lenders are would be lenders are viewing us as a risk because we don't have a mortgage or pay rent. How can the data reporting be tailored to those consumers that does not have a mortgage or pay rent, and the consumers be giving an increase in their scores for paying off their debts earlier rather than later? Also, why are consumers being impacted for 2 or less " hard inquires '' in a two-year period? Also, why are consumer being impacted by not have $ XXXX or more in revolving accounts? What improvements can you all provide consumers who pays off their credit cards each month, because lenders are assuming that minimum payments are being made on those accounts?
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (TN)

I purchased a vehicle thru American Car Center in XX/XX/XXXX. They Bankrupt in XX/XX/XXXX and Westlae portfolio took over. I DO NOT have a signed contract with Westlake portfolio. I NEVER received a letter, phonecall or email regarding these changes with my contract. I had a Warranty with XXXX and Westlae dlclaims they do not honor the warranty. I paid out of pocket {$1100.00} for repairs when I shouldn't have. I paid a lawyer to send a letter to Westlake demanding my money and Westlake has YET to respond 2 months later. American Car center BREACHED everyone 's contracts and now we are all expected to be ok with this. I've paid out {$11000.00} for my vehicle already which is well over the XXXX XXXX  value for it. They have put so many people in a messed up situation and have been picking up vehicles even if they are paid up. I believe action should be taken against them for this.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc. (PA)

In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Open Status Update : XXXX XXXX Account Type : Installment Status : Pays Account as Agreed Balance : {$480.00} Balance Update : XX/XX/ Original Balance : {$520.00} Paid Off : 7 % Monthly Payment : {$25.00} Past Due Amount : - Terms : 24 Months Responsibility : Individual Account It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind XXXX of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that XXXX takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors. 

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Union Home Mortgage Corp (OH)

Hi, Context : I had applied for a home mortgage with Union Home Mortgage with XXXX in XXXX XXXX XXXX XXXX XXXX, OH XXXX website https : XXXX last year in XX/XX/XXXX. I chose another lender and did not contact UHM since then Issue : Yesterday on XX/XX/XXXX someone from UHM tried to pull my credit report without authorization. I had frozen my credit reports so no damage was done. I came to know from the XXXX alert email ( attached redacted email ) Concern : Since my details have fallen in wrong hands i am worried that it may get pulled again if and when i unfreeze my credit. 

Action Taken : I tried to contact their customer service however i was not able to get to a person as their IVR kept on asking me to enter the Loan number. I have also emailed their leadership team to help me address the issue Thank you! 
Regards
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (TX)

I have been dealing with US Bank fraud department for almost 60 days. I had a checking account fraudulently opened in XX/XX/2023. I have sent US Bank fraud department the documents with the police report number the name of the detective and his contact information. We are trying to get record copies on when the application was processed. My laptop was stolen during the time the application was done. I am trying to file charges against the person who had my laptop. I have received a letter from US Bank acknowledging the face that it was fraud. I have spoken several times with a manager of fraud XXXX was name given on XX/XX/2023. She explained that the detective would need to send an email to XXXX He has followed up with this and now the bank is stating that they need to get a warrant. Per the CFPB there is another option for myself to send an affidavit allowing the police department to get my records in order for us to prosecute. I contact fraud again Saturday and the gentleman tells me they do not have this type of form. He is actually trying to get me the information on when the application date and time was but once again I have to call them back. It takes forever to get to speak with anyone much less be transferred to several different people before actually getting the fraud department. I need help so that I can get the information to the detective that is working my case for the checking account that was opened without my consent. I get the run around when speaking with fraud. Please help me get the information needed.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.