davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX - First attempt to receive information on PMI cancellation was made by me using their online ticket system and went completely ignored by Nationstar. Automated ticket response claims they may follow up with phone call or email ( neither of which were consented to forms of communication and neither of which were even attempted ), after which tickets were marked as read-only despite no communication occurring whatsoever. The automated message additionally directly implicates XXXX XXXX XXXX XXXX  as involved in the negligence. 
XX/XX/XXXX - Follow-up attempt on previous ticket was made and again completely ignored by Nationstar Sometime during XXXX XXXX - Mortgage was transferred to Nationstar 's Mr. Cooper subsidiary with neither consent nor notice and payment page was deleted without redirection to the new page in a deliberate attempt to cause missed payments on the mortgage. 
XX/XX/XXXX - Attempt again made to receive information on PMI cancellation, again completely ignored XX/XX/XXXX - Final attempt to receive information made and again ignored
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (GA)

I reinvestigated my credit report, I discovered that some of the accounts were erroneous. The 3 credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Reliable Credit Association, Inc. (WY)

I contacted this company trying to get them to release the electronic title so Idaho could send me my title after paying my truck off in XXXX, XXXX  ( it is now XXXX, XXXX  ). 

XXXX XXXX refused to contact XXXX to release the title via ELT program after financing my truck through them and paying over {$XXXX}. 

I still have no resolution and no title proving ownership to my vehicle.
Consumer complaint received 2022-08-06
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. (MO)

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-06
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$710.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I signed up for the Citi strata premier card and was approved on XX/XX/XXXX. I signed up through the offer page for the spend {$4000.00} in 3 months and get {$700.00} in bonus points. There is no offer tracker on my thank you points so I called to confirm the offer was active. The representative said they dont know what offer Im talking about and that the offer I mentioned doesnt exist but that I could send in proof of the offer via mailing a letter. I spent {$5.00} to send printed screenshots via certified mailto the address given to me by the citi representative and although it was delivered almost a month ago I never heard back. I have now been charged a {$95.00} card fee for a card I only opened because of the offer in addition to the {$5.00} I spent to send a letter because the representative said there was no other way to send in proof. 2 weeks after the letter was delivered I called Citi Bank again and after multiple calls that were hung up on finally was transferred to someone who gave me the following email : XXXX which all previous representatives said did not exist. They told me I should send the same proof I had already mailed in to this email address and I would receive a reply within 24-48 hours. I sent that email on XX/XX/XXXX and never heard back. Once again I called Citi and they then told me I shouldn't expect a reply and that the people receiving the email will fix the issue with the promotion within 1-2 billing cycles. I have now sent information twice after being misdirected and denied a bonus that is still being offered. I sent the screenshot of the offer as well as the approval notice for the card for XX/XX/XXXX as well as a screenshot of my approval for the citi premier card I received a bonus from on XX/XX/XXXX. Citi has a policy only allowing XXXX bonus per 48 months per card and the new strata premier card I opened on XX/XX/XXXX complied with those terms. For the representative to say there was no such offer when I was able to pull it up immediately, lie about there being no email address ( to try to dissuade me from getting resolution ), and then to give me an email address later on since I have certified mail tracking showing they received the information they asked for seems purposeful to prevent new credit card owners from getting the promised bonuses all the while Citi Bank gets to collect the annual fees and any other associated charges. I searched online and found a few different forums where people are talking about this being a pattern of abuse from Citi Bank with card bonuses and that's where I was directed to file a complaint here. I just want the bonus offer to be applied to my account and a reimbursement for the {$5.00} I spent to send them the information since there was no need to mail it physically if they hadn't lied about there not being an email.
Consumer complaint received 2022-08-06
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. (MO)

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-04-20
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- JXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Consumer complaint received 2022-08-09
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: Onity Group Inc. (GA)

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX  WHO CHANGED THEIR NAME TO OCWEN AND NOW PHH. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED.

PHH IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE.

REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM PHH FOR REFERNCED ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Consumer complaint received 2024-11-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX Citibank Charged For Deferred Interest Of {$490.00} For XXXX XXXX with XXXX interest Expiring In XXXX XXXX. 

Debtor paid this promotional balance in-full in lump sum payment On XXXX XXXX, XXXX ( {$1400.00} Electronic Applied To This Selected Full Balance, Which Was Checked Online For Payment Application On XX/XX/XXXX as an electronic payment option provided within the Citibank Best Buy account services/promotional balances payment portal ). 

This lump sum payment of {$1400.00} for expiring XXXX XXXX promotional purchase was made in addition to minimum monthly revolving balance payments applied to general balance according to XXXX XXXX XXXX in XXXX XXXX and XXXX XXXX. See attached documentation. 

Documentation of promotional balance amount and terms in question has been removed from website by lender. Information has been requested from XXXX XXXX to further substantiate this claim.
Consumer complaint received 2022-08-09
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. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (MA)

On XX/XX/2022 at XXXX a.m. eastern time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Aspire credit card and asked him on why did the company decided to close my credit card account? I also told him that I had also received an e-mail from Aspire on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. He told me that I was right and correct but he said what he is seeing on his computer is the one and only reason why it was closed because of non-use of the credit card regularly. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so he refused and ignored my request. He told me I have to reapply again or wait for an invitation. He wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly ignorant.
Consumer complaint received 2022-08-06
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. (FL)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$560.00}
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-06
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. (TX)

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}