davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, Original Creditor # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 15 USC 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. I demand that these accounts be permanently deleted from my credit file
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

In XXXX, I opened a checking account with Citibank is response to a promotion they had giving {$1000.00} to open a checking account and deposit {$75000.00} in the account After speaking to a rep on the phone they confirmed the promotion, stated my edibility and let me know to expect an account opening package in the mail. I received this account opening package notifying me my account number was to be XXXX. 

On XX/XX/22, my girlfriend initiated an online bill pay from her account at XXXX to fund the initial deposit. The amount she transferred to me was {$76000.00} For some reason, Citibank accepted these funds then froze my account and removed access. They refuse to return the funds to me or my girlfriend. They've essentially stolen this money We have tried to get them to return the funds. They will not At this point they owe me the return of the intial deposit along with the payment for the {$1000.00} promo ( which we met all the terms for and they've had the money so long we met the amount of time the funds needed to be on deposit to qualify ). We are also asking for interest paid from the date of deposit along with reimbursement for th notary fee we had to pay to write a letter they requested in order for them to return the funds Additionally, we are asking the CFPB to investigate and hold Citibank to account for what must be several violations of the law. A bank can not be allowed to attempt to steal money and falsely advertise promotions in the way Citi has done here. 

If I can be of any assistance in the return of our funds, the payment of interest and promotions and/or helping to hold Citibank in violation of any and all laws, state or Federal- please contact me at XXXX
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I bought this car, XXXX XXXX XXXX, in XXXX. I am so XXXX down ; between XXXX XXXX XXXX XXXX. I tried to surrender the car during XXXX due to no income. Credit Acceptance refused to come get it. Interest was still accruing. Fast forward a couple of years, I make minimum payments because after COVID, Credit acceptance decided to repo the car, I paid to get it back and then they arranged a payment plan to catch up on the loan that was no way affordable, they knew that, but I had to have a car. My past due balance is now over {$11000.00} and shows balance owed {$22000.00}!!!!. They are completely ruthless. How are people supposed to live when their car payment and interest eats their entire income? Yea, I got behind, but with the interest rate and fees, there is no way I can catch up
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account XXXX XXXX XXXX XXXX* with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15. 

**Reference to PAANL ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations. 

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly. 

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CO)

I had a check stolen and washed from my mailbox on XX/XX/XXXX. I checked my bank account online on Sunday XX/XX/XXXX, and I noticed that the check had been altered or " washed ''. I reported this to the PNC Bank the next day, XX/XX/XXXX. The woman I spoke too agreed that the check had been altered. I was advised to report the theft / alteration to the local law enforcement agency, which I did, also to report the incident to the Postal Inspector general, which I did, and fill out a " Affidavit of Altered Check ''. PNC Bank mailed me a blank form. I completed the form and had the document notarized, as requested and mailed the document to the PNC Bank XXXX in XXXX KY. I did all that I was instructed to do. I was told that " XXXX investigations '' could take between XXXX and XXXX  days to resolve on the initial phone conversation. Then, nothing from PNC Bank. I called XXXX times for an progress report and was told that " the bank can not comment on going investigations. '' I was then told in late XXXX that the amount of time that was required for fraud investigations takes between XXXX and 120 days. 
I have a personal banker with PNC Bank, as I have been a long time customer. I spoke with " XXXX '' my personal banker in mid XXXX, she was of absolutely no help. She said that she called and left a voice mail on my cell phone, I did not have any indication that this was true an there was no voice mail. She then went on vacation until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX, I was not satisfied with her comments and asked to speak to her supervisor. Her XXXX, " XXXX '' called back the next day. I was not satisfied with his answer of " sorry, this one fell thru the cracks. '' I asked to speak to his supervisor. 
I did receive a call earlier this afternoon from a female, I shared my frustration with the situation. She informed me that the {$650.00} from the washed check had been deposited in my checking account on XX/XX/XXXX. I checked and that was in fact true. Because of the XXXX XXXX during XXXX I missed the deposit. However, neither XXXX XXXX XXXX mentioned that the money had been returned in our phone conversation on XX/XX/XXXX and XXXX, XXXX. I wonder why? 
I believe that the left hand does not know what the right hand is doing and no one at PNC Bank communicates with others, and they are do not communicate with the victim/customer.
Consumer complaint received 2023-01-13
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. (HI)

Experian report number XXXX Date Generated XXXX XXXX Send proof of my XXXX account and XXXX account never late.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

For the week of XX/XX/XXXX I have tried dozens of times to release a freeze on my credit report. While successful on the other agencies, Equifax is a disaster. Every time I log into my account on myequifax.com to manage the freeze, I get a message that the action is current unavailable. This has continued EVERYDAY for a week. Then I tried to use the phone system, and each time I get through the maze of questions including particular amounts on my actual report, I get to the end of the line and get a massage that my request can't be processed at this time. This has happened several times despite my having the actual figures from my report available to respond to the questions. Then I'm told that I either have to fax or mail a bunch of documents in order to have the freeze released. Obviously mailing docs will take several days, so I opt for fax. Finally I got word that the report has been unfrozen. It should not be so hard to use a platform when I have all the needed info, but the on line system doesn't function for more than a week. I checked on line forums and have learned that the on line system has been unavailable since the early summer. Couldn't they inform us via their web site this is the case. I never asked for Equifax to hold my data. I would never frequent a company that performs so poorly, however, I want to get a new mortgage, and I'm told that I HAVE to get Equifax information. If they are going to make a business off of selling MY information, the least they can do is let me manage it as needed. Isn't this just the reason that the CFPB was created for?
Consumer complaint received 2023-01-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX XXXX  I had a notification that a new mark was established on my credit report from a company I had no idea about. No previous call ( All calls are answered and have not missed a call in over a year as the number called goes to a 24/7 dedicated phone team who answers and records all calls ) This is for a XXXX $ charge that has already been paid for and can not be verified but they would not provide an email to send this over to or even verify the debt. I could not obtain a name, email or direct number as I would just be passed to another manager. 

I am trying to buy a home for my family right now and as were getting started I now have a negative mark for a medical bill on my credit report bringing me out of range for purchasing a home. XXXX points for an error that cant be verified or asked upon Simply had they even reached out to see if this was paid or not, this could have been handled without affecting the life of another. 

The walk in clinic in question has confirmed our account is XXXX as our state insurance covered everything in XXXX  Maybe this was never submitted to our insurance but we already paid this anyways
Consumer complaint received 2023-01-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am one of those millions of people who was in Forbearance during Covid 19 struggling to meet ends therefore, I have an outstanding balance of $ XXXX On XX/XX/XXXX, XXXX XXXX ( original lender ) approved the loan modification to reduce my interest rate from XXXX to XXXX. I resume my mortgage payment on XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX I received a letter advising me to approve the loan modification I have to meet the trial period plan. During that time, the services was transferred to XXXX XXXX XXXX and they are the one that collecting payment from me. I met the trial period and they send me the paperwork to sign with prepaid XXXX envelope. Then, late of XXXX XXXX, I received a letter from XXXX XXXX advising me that my services will be transferred to RightPath Services/Nationstar Mortgage . XXXX XXXX XXXX advises me that nothing will be change and that my interest rate will stay at XXXX percent. Rightpath Servicing rejected the modification loan XXXX and escalated it XXXX while collecting my mortgage payment. The person in charged of my modification refused to accept my mortgage payment for XXXX. He can no longer accept payment he said, since my modification is rejected. They mishandled this process from the first time they took over the services.
Consumer complaint received 2023-01-13
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. (CA)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MT)

On XX/XX/XXXX I emailed Firstmark customer service and asked them to define the " credit worthy '' conditions to have a cosigner removed from my private student loans. Firstmark who services 5 of my private student loans formally through XXXX XXXX responded by email stating " We regret that we are unable to provide that information. You may complete and return a cosigner release application and it will be reviewed and an approval or denial letter will be sent. '' By not providing consumers with the parameters with which Firstmark determines a person credit worthy leaves the door wide open for Firstmark to deny every application to remove a cosigner. They can literally say that a person with a XXXX XXXX XXXX does not meet their criteria in order to keep as many people on the hook for this type of debt. This needs to be addressed immediately. It's horrible enough that student loans are subject to unfair bankruptcy standards, but to allow loan servicers to withhold information to release a cosigner should be considered criminal. Please help me resolve this issue. 

*Side note : All payments to Firstmark have been made in full and on time since the repayment period started in XXXX The cosigners are my elderly parents in their XXXX XXXX XXXX XXXX  's respectively.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

I called the customer service number in XX/XX/XXXX and XX/XX/XXXX constantly and the message was, theres no customer service representative available at this time. I was blocked from access online to view my account which has never happened before, even during a modification period. I found a telephone number on the federal government Webb site which listed mortgage companies that have class action law suits filed against them under the topic, if you are having problems with your mortgage. This is the only way initially I could get in touch with someone their at PHH mortgage in reference to my modification status. 

I have received my modification agreement in the mail after informing a relationship manager via phone conversation that I hadnt received a final offer upon making my 3 trial payments as contract conditioned. I was emailed a copy the day of our phone conversation but was told I would have to return the mailed copy which has limited my time to read the contract and respond by XX/XX/XXXX considering it arrived 3 days after this phone conversation. I contacted PHH Mortgage company on XX/XX/XXXX and spoke with operator # UCRF9, ( SWATI ) to question the balloon payment in the modification agreement of {$52.00}, XXXX  that would be owed at the end of the loan even if I made every payment of {$410.00} for the life of the loan until XXXX. I explained to her that his was incorrect and we could owe this much money. She recommended I submit a written request to have the matter investigated. She stated it had to be faxed to XXXX. 

When I purchased this house in XXXX, XXXX it was for the price of {$99.00}. This was done with an XX/XX/XXXX mortgage of {$79.00}, XXXX and {$20.00}, XXXX. I filed my first bankruptcy case in XXXX. My husband and I have paid on this case since that time. When this company attempted to foreclose in XXXX of XXXX, I was sent a notice from PHH mortgage stating that we owed for some missed payments. ( {$410.00} times 4 payments ) I sent a payment in XXXX and had receipts for other payments. In the midst of trying to prove payments were sent I filed a modification which brings us here today. We were in our last months of payment with Chapter XXXX  and our case is now paid in full. We do not owe PHH Mortgage {$52.00}, XXXX. The second mortgage of {$20.00}, XXXX was stripped in our chapter XXXX case when upon several attempts to meet with the debtors from XXXX XXXX XXXX never showed for court nor a representative. The bankruptcy judge stipulated it be null and void as of the completion of our chapter XXXX case. To sign this modification agreement would be admitting to pay something that we already have paid in chapter XXXX from XXXX to XXXX and agreeing to a debt thats more than fair and owed. Considering we have had an active Chapter XXXX Case since XXXX and making payments on past due amounts, how can we owe this amount?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-13
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: Resurgent Capital Services L.P. (WA)

I have communicated with XXXX that this is not my debt and that this is fraudulent activity. The amount is {$620.00}. The following are the report dates on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} Closed Overview You have XXXX XXXX  left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX