davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello, I have a mortgage with  Citizens One  home loans and a checking account with Citizens Bank, a stipulation of obtaining the mortgage, from which the monthly payment is automatically deducted. On   XX/XX/XXXX  ,  Citizens One  tried to pull the regular monthly payment from the account, but there were insufficient funds. On the online banking, there was actually a negative balance and I thought that the overdraft protection took care of it. Then, the funds were returned. Then they tried again. I transferred enough into the account to cover it on   XX/XX/XXXX  , but it took  XXXX  business days to clear, and  Citizens One  tried AGAIN on   XX/XX/XXXX   but they had n't arrived yet. My funds cleared on   XX/XX/XXXX   but  Citizens  stopped taking the payments and reported me lat e 30 da ys for   XX/XX/XXXX   and  60 d ays for   XX/XX/XXXX  . The funds sat there and the bank did nothing.     The result has been devastating : My credit went from the high  XXXX  's to  XXXX .  One creditor closed an account on me. I am now applying for a new m ortgage, and it is going to cost  me tens of thousands of    dollars more over the life of the loan because of this mistake.     I have contacted  Citizens One  on a number of occasions. Their response is that they had sent me letters. I was not in New York from   XX/XX/XXXX  -  XX/XX/XXXX   so I did not receive their letters. They said they made phone calls. I did not receive any phone call from  Citizens One . I asked why they did n't email me and they said they do not email. I asked why they did not take the funds from the account when they clearly saw them in there. One woman said they have " nothing to do with Citizens Bank. '' ( I was obligated to open this account when I got the mortgage, but then they have " nothing to do '' with  Citizens  Bank  ).      Today I spoke with  XXXX   XXXX  at  Citizens One  and she maintained that she * can not * my credit report because " they payments were late. '' I agree, the payments were late, but *only because the bank did not collect the funds from the account. * Since the mortgage was opened in   XX/XX/XXXX ,  the mortgage has been paid on auto-pay. You ca n't stop accepting payment and then tell me I am late! These marks are devastating to my  credit score  and history and completely unfair and untrue and do not paint an accurate picture of my creditworthiness. You can see by the attached Citizens Bank checking statement that they kept trying to take the funds and that I transferred the funds. All was well by the  * XX/XX/XXXX   of the month* and then it escalated to being late  30 days then 60 days! This is not an accurate picture of what happened.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

In   XXXX  ,   Carrington Mortgage modified my loan without my approval and/or knowledge.
I recently learned of their actions during a refinancing of the loan with another lender. When I 've talked with Carrington about this issue, they seem not to know much about it, never  theless it appears on my credit report as a loan modification. The documents that I will upload indicate that I never signed-off on the modification.   During this period, this property was a rental property, and was occupied by tenants that I leased to for approximately 10 years (  XXXX  ). Further, the mortgage was not late, i.e, I was not having difficulty paying the mortgage and did not need a modification.   I 'm not certain about what can be done, but I 'd like help in unraveling this matter and getting to the bottom of why the modification, and why without my knowledge and involvement. Your help is appreciated.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to dispute incorrect and outdated address information and My name currently listed on my credit report. The following addresses and name are being reported incorrectly and should be removed from my file as they are not associated with me : 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
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes 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 2024-09-06
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: EQUIFAX, INC. (SC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

I have had a PayPal account for years. Recently, they provided me with a PayPal credit card. Never asked for it and never wanted it. The web site forces me to use it and defaults to use the card, though I have other credit card and bank on file.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (VA)

In  XXXX    XXXX  , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same  day (     XXXX   XXXX   XXXX   ). No statement or account information was sent to us for the remaining balance of {$93.00}.  The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around    XXXX   XXXX   XXXX  . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via  US m ail on    XXXX   XXXX   XXXX  , wh ich we only received on    XXXX   XXXX   XXXX  .  I spent ov er 2 hours on the phone with different departments to close this account and asked to   speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
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Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
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LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes 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 2017-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ballybunion Enterprises, Inc (CO)

I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.