davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I was affected by Covid. I contacted Citizens OneHome Loans ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted Citizen One Home Loans and are working with them on the back payments. Citizens One Home Loans has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, Citizens One reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting Citizen One Home Loans with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

How is it possible that XXXX keeps appearing on my credit month in and month out with different company 's name, different opened date, and first date of delinquency and different date of last activity. This is completely unacceptable and it shouldn't be reported because as you can see, it's

reporting incomplete, misleading information. It was once removed from all the 3 major credit bureaus and now it's reporting back with a different open date as collection. DOn't you think this is unjust? Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CBC Companies, Inc. (MI)

I used to have a XXXX card ( XXXX XXXX ) and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX , XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX ( XXXX XXXX XXXX/XXXX ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The SPS mortgage servicing company is my mortgage servicing company on my primary residence mortgage ( property located in XXXX, California ). 

About 3 months ago, I realized that they have two account open for me ( one for XXXX property and another account related to a mortgage in XXXX California ). I told them that I have no property and no mortgage in XXXX California and my only account must be related to the mortgage of property in XXXX. They promised to investigate and eliminate this account from my name. I called them multiple times during the last 3 months. Everything they promise to resolve it but nothing happens afterward. This account seems to be fraudulent and either by mistake or by identity theft is assigned to me. 

I have talked to SPS company multiple times and submitted request to eliminate this false account via their web site. The SPS company has refused so far to clear the mistake or identity theft. I'm disappointed as it seems like the company is not caring and it is not doing its job properly to rectify the identity theft or mistake They even refuse to give me information about the other account. They keep me responsible for the account but they refuse to give me information about the account!!! This is totally unacceptable. I need to escalate this to the government authorities as SPS is not doing its job properly.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/2021 at XXXX XXXX., I made a {$20.00} purchase in a stock on CashApp. The transaction was to be executed at XXXX XXXX when the market opens. I had noticed the transaction never went through. So, I proceeded to try and cancel my purchase. I received a notification that the refund couldn't process. I continued and nothing would happen at all or sometimes it would day error or network connection error. My gripe is why wasn't my purchase processed at XXXX XXXX. when the market opened, and when it was suppose to anyway. Then, my money is just sitting on CashApp 's platform, when it was suppose to be invested. Now, they are holding my money not allowing me to access it. This is unethical and a little shady. What if that {$20.00} that was meant to be invested into a stock accumulated from it's investment. Now, I wouldn't know because CashApp illegally held my money, and now will not release it.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just got a fraudulent email claiming there's a new derogatory mark on my credit report. According the email address in " sender '' it's definitely not one of the three credit reporting bureaus. See below ... 




From : XXXX XXXX Subject : A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX Report Reply to : XXXX Sent : XXXX Sent on : Sun, XXXX XX/XX/2020 XXXX XXXX Your A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX can be viewed at no cost using the link below ( Checking will not negatively impact your score ) View Your Score To unsubscribe please follow this link
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

I was pre qualified for a loan through Wells Fargo & submitted all the documentation needed and myself, the listing agent, my real estate agent & the seller were told everything looked great. This went way past the due diligence period, I put down my earnest money, had the home inspected & had the appraisal completed. The closing date was scheduled for XXXX XXXX. XXXX XXXX I received a call that the property taxes were more than they anticipated, & to keep the debt ratio down, they needed me to put down another {$25000.00} and also told me I 'd need to switch my Homeowners Insurance to Option B, which was a higher deductible of {$2500.00} with poor coverage & no full replacement value to reduce my premium. My insurance agent refused to do this to protect my interest. As a result of these XXXX requests at the last minute, I had to back out of the loan. I lost the house, & now I 'm out all the money I put down because of their negligence in informing me of needing this additional money right before closing. They had all my information & knew the taxes for an entire month. What can I do to get Wells Fargo to reimburse me for my earnest money, inspection fee & appraisal fee. I 'm out {$2700.00}. That 's a lot of money for me when they are a Federal Bank & should take responsibility for their incompetence.
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-29
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. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

I lost access to my account with Cash App ( Square ) XX/XX/2020 due to my phone number changing and losing access the email attached to that account. I have attempted to recover my account regain access with Cash app ( Square ) Now for the second time. I have provided them with all of the information they had asked me for the first time and again this time. The ending result being the same 75 emails later I'm being told I will not be able to regain access to my account. I actually just reached out this time to make sure my stimulus money and boyfriend stimulus money that had been deposited onto that account last year was being kicked back so I could look for the check to be mailed to us. To my surprise that account is still active and still open. I have proof of my identity. I have the last four digits of the card from that account at the time I was using it provided by cash app, I've provided my social security number my birthday my name my cash tag name screenshots from when I was using that account I provide them a specific dates I moved money specific contacts I used my rent every month I have everything they've asked plus more. I have emails from the manager supervisor XXXX telling me my account is still active my account will continue to receive deposits as they come in as long as my account is active not giving me an option not giving me a choice but just ending that conversation with I'm sorry the case is closed we will no longer be able to help you I have since then made several attempts to get a hold of them just to get the same email back from XXXX stating I'm sorry your case is closed we can no longer help you so that's what I'm doing today asking for help I do feel this is very fraudulent
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

Hello, I applied for a job with XXXX. They used Microbilt Corporation who is a credit report agency. 
I was told that I have an eviction on my record. My name is XXXX XXXX social security number is XXXX. 
They gave me a copy of the Eviction on my record. This Eviction has another person 's name as XXXX XXXX I 'm XXXX XXXX. But it shows my social security number on her Eviction. I never lived in the address that is XXXX XXXX XXXX XXXX XXXX, Wi XXXX. 
I found the owner her name is XXXX XXXX XXXX XXXX XXXX XXXX. After many attempts I finally was able to speak to her several times. I sent her a copy of my license and she checked her files and finally stated that I AM NOT THE PERSON who lived there. 
I called Microbilt Corporation XXXX and tried to give them this information, since they were the ones that XXXX use for credit information. But they said that it is not their problem. That all they do is get the information from the county where the Eviction was file at. I called the County of XXXX Wisconsin ( XXXX ) XXXX And they Also stated that first of all it was NOT ME and that they never put social security numbers on the Eviction record. 
My problem is with Microbilt Corporation. XXXX who are the ones that is reporting that I have an eviction and even with all the information I gave them, they wo n't help or delete this Eviction that has a different name XXXX XXXX ( my name is XXXX XXXX ) but ONLY THEY have my social security number associated with this person 's name. When I looked at my credit with XXXX XXXX, it shows that Microbilt Corporation did request my credit information. Can you please help me correct this? Having an Eviction on my record is very damaging and on top of this, IT 'S NOT MINE!! But when I try to give them my information, they are short with me and do n't want to deal with me.. They are very unprofessional. It almost seems like they are some sort of scam company.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (AZ)

To whom it may concern, I am submitting this complaint to inform the CFPB and Executive Leadership at BBVA on the horrible experience I received with my mortgage loan that settled XX/XX/2020. My wife and I were misled from day 1 during our initial discussions with the loan officer which has resulted in financial harm.

Here are the facts of the complaint : 1. We began discussions with the mortgage officer in early XXXX  as my wife and I were actively looking at properties. At that time, my wife disclosed that she was a XXXX XXXX and that our desire was to use her commission towards a portion of the down payment so that I didn't have to sell stock and take short-term gain which would have a significant tax burden. Further, we had discussions that if we couldn't do it then we would lower the sales price less the commission offsetting the taxable income. The loan officer assured us that they do this all the time.

2. The application was completed in mid- XXXX where we again expressed our desire to use my wife 's commission towards part of the down payment. And again, the mortgage officer said no problem ( we have emails to this regard ).

3. During the underwriting process, we were asked for a gift letter from my wife gifting her commission to me as i was the only borrower on the loan. This which was provided as an underwriting condition.

4. The day of closing we find out during final underwriting review that we couldn't use my wife 's commission. Thank XXXX, I had already sold some stock and had the available funds to close. If I wouldn't have we would have missed escrow breaching the contract and causing downstream impacts to the sellers.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (HI)

Amazon  XXXX  Store Card by Synchrony Bank has continuously charged me for services I never asked for. Furthermore, I have tried numerous times to dispute the charges with no luck. 
I was charged {$15.00} every month for XXXX since XXXX for a total of {$140.00}. 
I was charged {$120.00} for Amazon  XXXX  subscription. 

I disputed these charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been refunded sporadically for XXXX, not for Amazon  XXXX subscription. 

According to Synchrony Bank, late fees interest will not incur during the dispute. I have not bought anything from this card since XX/XX/XXXX. However, I am still charged interest and late payments. I have talked on the phone with customer service for hours and they have offered no resolution.
Consumer complaint received 2020-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CAPITAL ONE AUTO FINANCE FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-29
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. (TX)

I am a victim of identity theft. Experian, XXXX and & XXXX have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020 and my most recent is early XXXX. The total debt amount is less than {$8000.00}.