davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (IL)

Attached is my complaint letter sent to mortgage company. 
Department, Account Numbers Midland MortgageXXXX XXXX XXXX XXXX - XXXX Attention : To Whom It May Concern, I am writing to address an error regarding the balance owe on my loan account. The current balance reflected is incor and requires a thorough review. 
I borrowed {$64000.00} from XXXX XXXX on XX/XX/XXXX. On about XX/XX/XXXX, my loan account with XXXX XXXX was transferred to Midland Mortgage with Midfirst Bank as loan servicer. The balance transferred was incorrect. 
According to the attached court order documents, my cori loan due amount was {$3500.00}. 
The total of {$28000.00} that was paid to Midfirst Bank by XXXX was an incorrect amount that I owed. Howeve XXXX paid this amount to Midfirst Bank in grant form. 
Subtracting the amount I owed, {$3500.00}, from the {$28000.00} paid leaves a balance of {$24000.00}. 
Attached are my payment receipts totaling {$31000.00} in payments to XXXX XXXX since the start of my loan. Based my original loan amount of {$64000.00} as indicated in the attached Mortgage Note, the remaining balance should be calculated as follows : c Original Loan Amount : {$64000.00} c Total Payments Made : {$31000.00} Remaining Balance : {$33000.00} t Amount Paid by XXXX : {$24000.00} a Total Amount Toward Loan : {$55000.00} Therefore, {$64000.00} minus {$55000.00} leaves a balance of {$8200.00} for the entire loan or an overpayment of {$24000.00}.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

On about XX/XX/year> I was alerted that my payment was late for Barclays Bank, this was highly unusual since I had never been late paying in XXXX year history with them. As a matter of fact I can go back 30-40 years and not find a late payment for me for any bill, so when I go it I went to their website and paid the bill plus late fees. 

The chances of me paying any bill late is like one person winning a big lottery seven times in a row while being struck by lightning after each win, it doesn't happen. For the last XXXX years my credit score has been between the high XXXX XXXX  to over XXXX XXXX. 

Let 's say I was late because I was busy and maybe forgot that's about half of one percent chance, hold that. Then I got another late notice I think for XX/XX/year> then I made a payment on XX/XX/year>XXXX  before talking to their rep about another situation and she reminded me that I hadn't made my payment but I had just before we talked I mention that to her the payment wasn't due until the next day XX/XX/year> so it was on time because it was paid online. It can be paid online the same day and be counted as being on time I paid the day before it was due so it was on time.I see this company has less than two stars in reviews, I understand why!

So what they are doing is not collecting payments when they should and not allowing payments to be processed on time therefore customers are labeled as late or non payment Some retailers are doing similar acts with self-check out, defrauding customers I must say I refuse to make payment until I get proper credit for my payments including XX/XX/year> payment, so a non payment in 14 years is caused by their fraud! 

THIS IS FRAUD at the highest levels.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (CA)

I have recently become indigent due to XXXX XXXX XXXX where I have XXXX XXXXXXXX XXXX times and have been XXXX XXXX XXXX XXXX  I have made every contact to Citi Bank Credit Card only to be threatened via telephone after making them aware of the fact that I am experiencing homelessness in XXXX XXXX, California, as well as being affiliated with several homeless missions throughout the area. 

At 1 point in time I was making a great living working in California 's XXXX XXXX industry and without going into too much detail, we were paid in the form of donations with hardly any XXXX XXXX. I have also worked with what I was told were XXXX affiliates, however now I being told these XXXX  clusters were in fact not of XXXX relations. 

Fast forward to present day : After being placed on XXXX XXXX, losing ALL forms of gainful employment, having ALL bank accounts closed and being completely dependent on XXXX - life has hit rock bottom. I have XXXX recollection of filling out ANY paperwork to receive any line of credit from CITI and I refute ANY and ALL claims I believe were falsified against me. Furthermore, I'll reiterate, I am suffering from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all of which I take or have taken XXXX  for ). 

These malicious intent having Citi Bank Credit Card Collections have caused me emotional duress. I was harassed and threatened over XXXX times including Sundays and before XXXX and after XXXX! I was threatened with incarceration.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2024-09-08
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: Affirm Holdings, Inc (FL)

Someone created a fraudulent account with Affirm in my name and withdrew a XXXX XXXX XXXX from my banking account tied to my actual Affirm account thus I reported the fraud and Affirm closed my account. I didnt have a way to keep making the auto payments or manually make them and when I would call, each person I spoke with couldnt figure out was going on and multiple customer service folks said the account was closed and i didnt owe a payment. But then they came back and said i had a late payment. I had a handful of calls AND handful of written comms with them trying to sort out the issue. Because the COMPANY kept saying on multiple occasions the account was closed and payment wasnt needed. Time lapsed resulting in a late payment that I was trying to pay/ sort out on time. They did not acknowledge their part in this and refused to accept my dispute and even though I have records otherwise and I was never late to pay entire or after the one issue which was related to fraud because of Affirms poor systems, controls and transaction monitoring.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/year>. I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Consumer complaint received 2023-07-03
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. (CA)

4 Hard inquiries were made on my XXXX credit account that are fraudulent. 
- 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 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

As of XX/XX/year> I have received a debit card in the mail that I did not request. I tried calling the bank to get the card cancelled and the account closed. I got bounced around to a few people, all saying they were not able to close the account that was in my name because of how young the account is. I was even transferred to their fraud department, yet was unable to close the account even though there have been no transactions on the account. The card has not been activated.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OneMain Finance Corporation (NJ)

One Main Financial I advise to them that I get paid twice a month and still despises to take money from my account on the date I did not authorize in which overdraft my account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IN)

To Whom It May Concern, The following account listed on my credit report is inaccurately reported. Although I previously disputed this account and it was verified, I have not received the purchase agreement that includes the correct account number, balance, and account status.

Law 15 USC 1681 B-This law addresses the permissible use of a consumer 's credit report by third parties. There has been no authorization granted for any third party to access my credit report.

Law 18 USC 1028 A - According to the next law, aggravated identity theft has been committed. I did not give anyone permission to transfer my information from the credit company to a collection agency.

These items does not meet the FCA reporting requirements delete these accounts immediately
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NC)

I was contacted by XXXX XXXX debt collectors multiple time via phone and text message. On XXXX XXXX Ive sent a letter Ive disputed these accounts multiple of times Ive send a debt validation letter asking for proof XXXX XXXX XXXX  to this alleged debt. Ive never received any proof Ive never seen any contracts with my signatures. Ive stated to them I am a victim of identity theft. I provided FTC reports and police report was provided to the credit bureaus. There is allegedly XXXX accounts with this debt collector Account # XXXX {$920.00} Account # XXXX {$750.00} I will be Attaching a copy of the letter I sent to the debt collector, my FTC report , police report and also proof of identity
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

My XXXX  credit report does not update the payments for my Santander bank loan. It says that I have not paid for XXXX. I called Santander and they told me that they passed the information on to the credit bureau. I filed a dispute with XXXX and they did not respond.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

My personal information including an old address, current phone #, and my social security has been found on the dark web and sold to fraudsters due to a Data Breach with XXXX XXXX XXXX XXXX once in XXXX and again on XX/XX/XXXX. I now have another company XXXX XXXX XXXX that has had a security breach that includes all addresses I have lived at as well as my DOB and Social Security as of XX/XX/XXXX. I have credit monitoring and have been able to stop the XXXX accounts from being opened however on multiple attempts I have requested that inquiries be removed as well with no luck. My specific grievance is with Macy 's / CBNA ( requested inquiry be removed in XX/XX/XXXX ). and XXXX ( request inquiry be removed in XX/XX/XXXX ). I have also opened disputes with XXXX and XXXX XXXX and their response is that they need the creditor to remove the inquiry- they can't help me. Being a victim of fraud is very upsetting and frustrating because they all say they want to help you yet they do NOTHING. I have managed closing the accounts or stopping them from being opened myself. I have placed Security Alerts with all credit bureaus. I can not afford to hire a Credit company to help resolve this. I take pride in my credit standing and would appreciate accurate reporting from the creditors.
Consumer complaint received 2024-11-15
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. (FL)

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (WI)

US Bank Home Mortgage employees are not aware that when Loan is paid off Lender is required to mail Free and Clear Merchantable Title to the Borrower. 
Per my experience US Bank Home Mortgage employees do not understand that Title and Deed are 2 different things, so they all are sending me over to a Register of Deeds.I spoke with : XXXX XXXX XXXX XXXX XXXX XXXX escalation line ) on XX/XX/year> and they all are sending me to a County Register of Deeds. On XX/XX/year> I spoke with XXXX, XXXX, XXXX on escalation line and they too sending me to Register of Deeds. So I am embarrassed that they are all clueless at US Bank Home Mortgage : Today I provided XXXX from escalation line telephone number for Register of Deeds and XXXX at XXXX of Deeds told her that they only record Deeds and they don't deal with Title, however XXXX does not understand that Title and Deed are different documents. I requested that XXXX escalate my call to someone who knows what Titles is and she pretended that she did not hear me and disconnected the line since " I am not speaking '' instead of transferring me to someone who knows what Title is. 
I was educating all this named Employees of US Bank Home Mortgage that Title and Deed are different documents.

I paid off my mortgage I need US Bank provide me with my Free and Clear Merchantable Title : if they lost it they need to hire Title company to produce me a Title at their cost, because they held my Title when they lent me money to purchase the property.

Lender is provided a Title for the property when Lender borrows money to a Borrower, after Borrower pay off the Loan Lender is required to provide Title to a Borrower within 6 month.
Consumer complaint received 2024-07-26
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)

Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of XXXX accounts that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im also attaching a list of the hard inquiries from my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items.XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I have contacted care credit on multiple occasions about fixing this issue with no resolve.

I disputed a charge on my account for fraud which took multiple months and phone calls to resolve.

They still did not do it in a timely manner and When they did I was still being charged random ( nonexistent fees ). In the process of all this I have multiple incorrect late payments reported to my credit hurting my score.

I have called them 3 times and which every time they say to give them 48hrs for the problem to update and nothing has happened. I am very frustrated with this incorrect reporting and will be moving to certified mail next.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC. (NY)

I cant upload my identity Information And verify opening this account everytime when i try too upload and take the picture of my State ID The SoFI Website is not letting me take the picture and am unable to complete the verification to open the account everytime when i try to use the Sofi Mobile App keeps crashing and cant use the SoFI Mobile Banking App SOCIAL SECURITY : XXXX
Consumer complaint received 2024-09-11
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: Resurgent Capital Services L.P. (TX)

THIS IS A RESPONSE TO CFPB COMPLAINT ID : XXXX CFPB PLEASE STOP IGNORING THESE BLATANT VIOLATIONS COMMITTED BY LVNV FUNDING AND REMOVE THIS ACCOUNT FIRST OFF THEY FAILED TO RESPOND TO MY ORIGINAL LETTER WITHIN FOUR DAYS AS I REQUESTED.

SECONDLY, THEY ARE CLAIMING THAT ANOTHER PERSON OR ENTITY IS ACTING ON MY BEHALF SUBMITTING THIS DISPUTE WHICH IS INACCURATE. 

PLEASE SEE THE ATTACHED DOCUMENTATION AS IT PROVIDED FURTHER DETAILS INTO WHAT LAWS THE COMPANY IS IN VIOLATION OF ABOUT MY CONSUMER RIGHTS ALONG WITH THE LETTER I ORIGINALLY SUBMITTED COMBINED WITH LVNV RESPONSE TO MY DISPUTE
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

My identity has been compromised since the year 2019. The thieves used my stolen information to open a bank account with XXXX  XXXX XXXX and XXXX Bank. I became aware of this situation on Thursday, XX/XX/XXXX, after attempting to open a checking account with XXXX XXXX. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I reviewed my consumer disclosure report on XXXX, and that's when I discovered these negative accounts from XXXX  XXXX XXXX and XXXX XXXX. I have never had an account with either of these banking institutions. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove these bank accounts from my consumer disclosure report and uphold my rights furnished by the FCRA.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

please remove these accounts you are violating my rights as a person the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ) XXXX XXXX XXXX, XXXX XXXX XXXX They are delaying me from purchasing a home for my family
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (SC)

I have made a compliant about this company twice and nothing has been solved. This company has failed to provide the original contract bearing my signature and ownership chain agreement as requested. This company responded to my complaints saying they closed the case and returned to sender meaning they do not have the right to try and collect the alleged debt in anyway but are still reporting this debt to the credit bureaus. This is a violation of the FCRA section 605 B.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (FL)

OneMain Financial continuously contacts me over 10 times a day. I have repeatedly asked for the communication to stop on several occasions. OneMain Financial is reporting an alleged debt in the amount of {$2700.00} on the credit reporting agencies. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the inaccurate information listed on my consumer credit report. OneMain Financial calls from XXXX several times a day nonstop. I have received letters from the company advising of an unknown debt that I owe.