davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Collection agency is reporting the incorrect date of first delinquency. I have disputed with TransUnion multiple times ( XXXX times in total ) and each time, the dispute has been verified. The original tradeline with XXXX Bank became delinquent XXXX XXXX as recorded on my credit report. The debt was sold to a collection agency, XXXX XXXX, who then reported the date of first delinquency as XXXX XXXX. Due to the age, the original tradeline has been removed from my report and is no longer listed. With the suggestion of a Transunion representative, I provided a copy of a previous credit report ( XXXX XXXX, prior to the removal of the original tradeline ) circling the date of first delinquincy and estimated removal date. I then circled the estimated removal date under the collection agency as proof the date is incorrect. The dispute was verified as correct. I was told by a representative Transunion does not investigate the dispute and all documentation is forwarded to the collection agency for verification. The collection agency has refused to correct the issue. Transunion representatives have stated numerous times there is nothing they are responsible to do and the credit report is not sufficient proof of the dispute. I was also told to file a police report or get an attorney as Transunion is not responsible for investigating disputes and if the collection agency verifies the information as correct, there are no laws they have broken. Although the customer service representative was a XXXX supervisor and could blatantly see the error and agreed with me of the error, she said there is nothing she could personally do to correct the issue and all corrections must be made by the collection agency.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: LEXISNEXIS (MD)

I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : XXXX, XXXX, XXXX, XXXX and XXXX. To date only one report has been confirmed corrected. Lexis Nexis is refusing to correct or remove inaccurate information specifically the XXXX XXXX XXXX XXXX XXXX and reselling, data sharing and marketing inaccurate information contained within their consumer database/reports. 
I have disputed the information as inaccurate, identify fraud and requested removal of the information and OPT OUT of their database, data sharing, reselling and marketing of my personal information. To date Lexis Nexis is refusing to remove the inaccuracies and remove me from their data base.
Consumer complaint received 2015-12-28
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.
Consumer complaint received 2015-06-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

Dear CFPB, Citibank assisted me with paying my property taxes and homeowners insurance because I was unemployed for nearly 2 years. I pursued a XXXX license to develop new skills and was hired by XXXX XXXX XXXX, in XX/XX/XXXX. Since, I have been struggling with Citibank to straighten my mortgage account balance due. 
In XX/XX/XXXX, I took over paying my OWN homeowners insurance and property taxes because Citibank 's Escrow charges were escalating at an exorbitant rate. They are charging me {$28000.00} in arrears. Citibank added their own homeowners insurance and paid approximately {$4500.00} XXXX year and a second time {$4700.00}, WITHOUT MY CONSENT, At that time, I tried doing a Modification so that I could catch-up. Citibank refused. 

Recently, I also tried to lower my interest payment to see if there was a way that I could make progress towards paying my mortgage and account in arrears. However, all Citibank offered was to refinance my mortgage to a 20 year, but I said no because I should be finished paying off my mortgage balance in less than 3 years. 
What I find I find interesting, is that I did not receive statements from XXXX County indicating how much Citibank paid and NOW CITI is charging me {$28000.00}. 
Needless, to say, I am in the dark and do not trust any of the charges that appear on my statements. 

PLEASE HELP!!!!!
Consumer complaint received 2024-10-19
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. (GA)

Fraud accounts that were not completed by me, incorrect reporting. The accounts are as follows : Collection Accounts -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 I deposited a {$5000.00} personal check into my account through the mobile banking app on my phone. On XX/XX/2018, this posted as a present balance but not available balance. On XX/XX/2018, 7 calendar days after I made the deposit, the funds were still not available and I called Chase. They started questioning what the purpose of the funds were for. Then they stated that because I don't normally make deposits of this size, they were going to hold the funds until XX/XX/2018. They did not give any reason as to why I was subject to this unreasonably long hold of 12 days other than the fact they couldn't verify the funds from the bank XXXX XXXX where the check came from through an electronic portal and that I'm not a customer who " routinely makes these deposits this large ''. 

The actions by Chase bank for placing an unreasonably long hold on my check deposit are a violation of 12 CFR 229.13 because my circumstances don't meet the basic definition required to establish doubt of collectibility : ( e ) Reasonable cause to doubt collectibility ( 1 ) In general. Sections 229.10 ( c ) and 229.12 do not apply to a check deposited in an account at a depositary bank if the depositary bank has reasonable cause to believe that the check is uncollectible from the paying bank. Reasonable cause to believe a check is uncollectible requires the existence of facts that would cause a well-grounded belief in the mind of a reasonable person. Such belief shall not be based on the fact that the check is of a particular class or is deposited by a particular class of persons. The reason for the bank 's belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, Experian, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
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. (VA)

Hi, there are items on my credit report that have resulted from fraud to which I never benefitted from. These have been previously deleted but the items keep coming back, I have reported them to the federal trade commission but they are not removed from my report.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention.
Consumer complaint received 2024-10-18
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. (NY)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$570.00} INQUIRIES : XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (PA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$49000.00} XXXXXXXX  - XXXX - XX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2015-09-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MA)

My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.
Consumer complaint received 2018-07-13
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. (AZ)

The item XXXX XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting a charge-off every month since XX/XX/XXXX up until this month XX/XX/XXXX. A charge-off is an event that took place back in XX/XX/XXXX it is not a status to be reported each month according to my online report. ( See print screen below ). 

This monthly reporting of a charge-off has caused my scores to drop as a result of this retaliatory reporting. Furthermore the listing also lists a {$210.00} balance ; which clearly is not accurate. A charge-off would indicate that the company has written off the debt and thus would have a XXXX   balance. Obviously they can't have both reporting : it's either a charge-off or there's a balance due. These errors on my report causes me great concern, in that I have no reason to believe that this listing is accurate at all or has ever reported correctly based on their failure to report accurate information. 

Please remove this inaccurate item from my credit report as it is clear that they have re-aged this item by reporting it charged-off month after month. Re-aging a debt is a violation of the FCRA. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution.
Consumer complaint received 2015-04-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (MS)

360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.
Consumer complaint received 2015-05-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money
Consumer complaint received 2017-03-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.