davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: Rozlin Financial Group, Inc. (TX)

The original creditor was XXXX, account number XXXX. The current creditor is Rozlin Financial Group , Inc. account number XXXX. They say this debt originated XX/XX/XXXX. 


I received a response from RFGI requesting additional information to properly investigate the claim. The following information was provided to RFGI on XX/XX/XXXX ( Copy of the FTC Identity Theft Report, Government Issued ID, and Utility Bill ) via email ( XXXX ) I would like to have this removed from my credit report.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

I opened the XXXX membership account and the XXXX representative talked me into applying for a XXXX XXXX Citi XXXX card. A few months ago. I purchased {$190.00} worth of groceries at XXXX. As soon as I got the bill from Citi, I wrote a check for the entire balance ( {$190.00} ) placed it along with the bill stub in the return envelope and send it off to CITI. About a week later I started getting notifications from CITI saying that my due date was coming up and that I better pay my bill. It confused me because I remember sending them a check. I looked at my records and sure enough I had sent them a check. I got on their website, and it said I had one more day to pay my bill. The website showed my balance as being {$190.00}. I figured the bill and check must have gotten lost in the mail or something. I waited until the day before my bill was due, and still the balance was at {$190.00}, So I figured I'd better make a bank transfer so I didn't jeopardize my credit. I set up a bank transfer with my personal checking account and transferred {$190.00} into my Citibank account. So my bill would get paid on time. Then the next day I get a notification saying that my check had cleared and I have {$190.00} credit on my account! I called citi and explained that I had paid twice, once by check, and once by bank transfer, because Citibank kept sending me daily notifications that I had to pay my bill! The customer service agent said there was nothing they could do except request a refund. I said I wanted them to refund the {$190.00} back into my personal checking account where it came from immediately. They said there was nothing they could do for at least 14 to 28 days. I said it wasn't acceptable to hold my money for two weeks to a month and that they needed to refund it sooner. They said too bad there's nothing we can do. I feel citi is running a scam operation trying to get people to pay twice. I have an excellent credit score and pay all my bills on time. What CITI bank is doing is unacceptable. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX 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 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
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX Wells Fargo Bank made a debit to my account in the amount of {$1300.00} for " Transaction Correction - Mobile deposit check posted twice - REF # XXXX. '' On a call to their customer service department I was told that my Wells Fargo ATM deposit on XX/XX/XXXX was being returned because the name in the payee blank did not match my full name. I have deposited a check in that amount with an identical payee name nearly every week between XX/XX/XXXX and XXXX of this year and the check had never been denied for that reason. I was told I would receive a letter and the check in the mail. 

I received a letter on XXXX saying that a check I deposited in the amount of {$1300.00} on XX/XX/XXXX was deposited a second time on XX/XX/XXXX. First, there is no second deposit of this check on any of my bank statements or in the transactions shown in mobile banking. Second, Wells Fargo credited that mobile deposit on XX/XX/XXXX and they then debited my account in the same amount on the same day and it is listed as " DEPOSITED ITEM RETN UNPAID - PAPER XXXX ''. 

On the letter I was sent, both the alleged XX/XX/XXXX transaction as well as the fictitious transaction from XX/XX/XXXX have sequence numbers. The fictitious transaction has a sequence number that is XXXX. The real transaction has a sequence number of XXXX. I don't think it is coincidence that the fictitious transaction has a sequence number that doesn't match their standard format. I was told by a helpful bank officer in one of their branches that the fictitious all nine 's number can't be right. 

I was given a reference number XXXX, So, they debited my account {$1300.00} without notifying me for a check I deposited that they did not credit to my account. 

I have filed a complaint and a dispute of my transaction. I was told that most disputes are handled in 3-4 business days, but some take longer. I have asked them to credit the amount they debited on XX/XX/XXXX pending the resolution of this dispute. They refused that reasonable request. All of this took over 5 hours of phone calls where I was constantly transferred to different departments most of which could not help me. The level of incompetence boggles the mind. 

I do not believe that I am the only victim of a similar complaint.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by XXXX to receive payments on its behalf. The XXXX website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or western union location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by moneygram. It is not my fault if your website wasnt working. Nevertheless, I went to a moneygram location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Consumer complaint received 2023-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

In XXXX and XXXX I used the COVID assistance provided by the company to help us stay caught up on payments. My wife is an XXXX XXXX The summer after COVID started, she lost her summer courses and then winter courses as well. We used the COVID assistance to help us get back on track each year ( and hopefully permanently ) with modifications to the mortgage. When I needed the same help at the beginning of this year, I was denied due to the allotment of time was used up. However, when I checked my records, it looks like we only used the program for XXXX  months ( only showing XXXX months on credit report ) but XXXX months were supposed to be available. The company refused to allow any assistance without modification at that point. If we had been allowed to use the remaining months of the program, I wouldnt currently have any late payments. I tried to reach out to the company to find out why we were denied but was just told theres nothing they can do. Ive yet to receive information on the number of months we used the program. 
Now, were trying to purchase a home but getting denied due to recent late payments. I would just like proof all XXXX months were used and if not, be granted the forbearance period for XXXX and XXXX ( the months late were actually XXXX and XXXX but they refused to fix that as well ). Since the company is flat out willing to work with me, I have no choice.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (PA)

I had made a payment on XX/XX/2023 in the amount of {$710.00} cents to Milestone credit card partnership with Genesis FS. I had expected to receive my available credit on the next business day being Monday XX/XX/2023. However when I called them they told me that my available credit will not be available 2 weeks after my initial payment which will be in XXXX XX/XX/2023. I have never heard of this before. My checking account had funds available they took it out my credit bill was paid in full. But now I have to wait 2 weeks for my credit to be available? I have XXXX other credit cards as well that i have no issues with that in 1-2 business days will give me my credit no issues. They also told me they couldn't process it faster because they are not capable of doing so which I have never heard of a company not being able to do so before. Milestone also informed me if I didn't want to wait that id have to use a third party money gram service so the funds would be available within the 1-2 business day process which was never stated to me when signing up for the credit card. I was also never informed that it would take 2 weeks from my initial payment date. This is absolutely absurd from a credit company.
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (TX)

I received an email where they admit they overcharged me {$2.00}. However, in order for them to send me this refund they are requiring me to link my bank account to their system, presumably so they can get access to my banking data. They say it is to verify the address to send the check to. Nonsense. There's no reason I should be required to link my bank account to their system to get they money they overcharged me back. Unless of course they never did overcharge me, and are using this as a way to access my bank data. The whole thing is fishy.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MS)

My husband and I enrolled into a debt consolidation program XX/XX/XXXX. I notified every creditor, whether credit card, loan, or medical collection agency, that we were now in a debt consolidation program and being represented by XXXX XXXX XXXX. I gave them their email address and phone number to our attorney XXXX XXXX. ( Phone XXXX ) Both Tower Loan and XXXX XXXX continue to blow our phones up daily ( 5-8 times a day on my and my husband 's phone ), even after being informed several times of the situation and to please not call us but the attorney. I have been told by XXXX XXXX that they have not received any paperwork and even if they did, they have a right to continue to call us as much as they want ( this came from the manager ). 
Tower Loan ( today XX/XX/XXXX ) advises they have not received any paperwork and that they can not contact or talk to the attorney handling our case either. They too call 5-8 times a day, both our phones, and today the manager informed me, and I quote, " just know it is your fault I'm going to sue your husband ''. 
I got off the phone with Tower Loan and contacted XXXX XXXX. They inform me that letters have been sent out that we are enrolled in their program and that steps are in place to negotiate with them. They also informed me that these companies are allowed to speak with them due to the Power of Attorney my husband and I signed. She informed me to contact CFPB because we were being harassed and it is unnecessary as they could very easily call them and negotiate terms.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX, I contacted my mortgageServicer company and requested that they remove the monthly private mortgage insurance of {$170.00} because my loan-to-value, based on a recent appraisal, decreased to 66 %. I sent them the appraisal performed by a licensed appraiser. 

On XX/XX/XXXX, Freedom sent a message to my mortgage account indicating they received my request, they will research it, and anticipated an answer on XX/XX/XXXX. 

On XX/XX/XXXX, I received a message from Freedom indicating that my account passed the 2-year seasoning period, but exceeded 80 % LTV. It then stated I could lower the LTV by paying {$33000.00} or obtaining a broker price opinion or an appraisal evaluation. 

On XX/XX/XXXX, two Freedom reps on the phone said the LTV was based on my home 's value at closing, 5 years ago, even though I already sent them an appraisal from a licensed appraiser that was done XX/XX/XXXX. The message they sent me on XX/XX/XXXX said I could obtain an appraisal. Now, they want me to pay for another appraisal and an appraiser they choose. 

It is clear, they will do whatever it takes to make it costly to me and NOT terminate my PMI and this appears to be a clear violation of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

Santander consumer usa has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by Santander to receive payments on its behalf. The Santander website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or XXXX XXXX location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by XXXX. It is not my fault if your website wasnt working. Nevertheless, I went to a XXXX  location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

Experian continues to violate myconsumers rights but saying they investigated my disputes when all accounts comback verified. I continue to show proof of the in accurate accounts being reported on my credit file that they say has been modified or updated and the account only stay the same but report as a new debt which continues to hurt my credit and me financially. I have asked them over the phone allso in writting but still the same results nothing so i need the CFPB to crack down on this. I have more than XXXX disputes with the CFPB about the samethings that contine to do but nevr fix nothing. I also got proof of the other credit bureaus deleting the account off credit file but Experian still contines to say they verified something when i know u have to get my permission to do anything and I have not gave any authorization to nobody.