davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (IL)

My mortgage was originally opened with XXXX XXXX XXXX. I am currently retired, living on my Social Security and a small pension. My social security is received by my bank on the XXXX Wednesday of the month at which time my monthly mortgage payment is applied. Originally, prior to XXXX XXXX, the mortgage was paid on the XXXX of each month. This became a problem since Social Security made it 's payment on the XXXX Wednesday of a the month. Sometime around XXXX XXXX I made a loan modification agreement with XXXX XXXX XXXX to extend the mortgage due date from the XXXX of the month to the XXXX of the month. 

Seterus, a new mortgage company, took over my loan in XXXX, XXXX, without accounting for this loan modification. In addition, they did not account for my XXXX payment which was deducted from my bank on XXXX, XXXX, XXXX. These errors have not been corrected. Seterus now shows my mortgage in arrears, which is incorrect and creates an error in my credit scores.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.
Consumer complaint received 2023-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My XXXX took out a second mortgage on this house in 2008 with XXXX XXXX  XXXX. Select portfolio services bought I am assuming the second mortgage from XXXX XXXX XXXXXXXX. I threaten me with foreclosure on my house if I didnt pay up. I made an agreement that I would pay set amount am I cant be satisfied which they agreed. After I filled my part of the deal they told me I still had an outstanding balance of almost {$7000.00}. They keep calling me harassing me threatening me to take me back to court. They really took me once almost took my house. Thats why I made the agreement now they doing it again with lawyers. they keep blaming letters making calls with threats and pressuring me. Now this second loan was done in 2008. I believe the statue limitations were way overdue. I made a payment. Ive almost {$7000.00} so I can resolve this issue but they keep pursuing the matter is very harassing. To receive calls throughout the day and letters every other day. I never consented four select portfolio services to take over the dead.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

Please note : Phone calls are not permitted in this legal matter. 

On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates. 


Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 


On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed. 


They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter. 


The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.
Consumer complaint received 2024-10-01
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX XXXX last four Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. XXXX XXXX Account XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

In XXXX a company called XXXX XXXX, under the name cbe group ( partnered with XXXX  ) applied on my credit report a XXXX $ debit that I have no knowledge of or ever used. I was a customer of XXXX  for a year and paid XXXX $ per month and at the end of my service I returned all equipment and paid all fees. I already have XXXX  on audio confirming all my accounts with them are at XXXX and closed out. On XX/XX/XXXX I filed a complaint with XXXX  to have them remove it from my account yet they told me my social security number was confirmed on being on file with them. I believe this to be some type of fraud and havent been able to contact the creditor about this situation either
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I have gotten a strew of letters from Wells Fargo Auto Finance in the mail, they all go in the trash because they will not work with me. At this point, I want Wells Fargo Auto Finance to Dissolve the loan as all they do is argue with me over the phone, otherwise I will have to seek an attorney to take on this matter.
Consumer complaint received 2016-08-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

I signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I had rented a home from XXXX XXXX located at XXXX XXXX XXXX XXXX, KY XXXX in XXXX. There was a dispute between the landlord and ourselves. The landlord went to the courts and we had a hearing with the judge. The judge stated that as long as we vacated by a certain date, there would be no eviction on my record. We vacated by the date specified, and there is no money owed to the landlord. However after reviewing my credit report, the eviction is showing up and is stopping me from being approved for an apartment. I have tried to remove this from my credit with all XXXX bureaus and to this date, I have not been successful. I have mailed, called, and have done everything I can do get this removed. 

Court Case date XX/XX/year>, Case # XXXX, XXXX XXXX, XXXX XXXX : XXXX. 
XXXX ID : XXXX. 

I am trying to get this resolved as I am in the process of looking for an apartment home. 
Can someone please help me? Thank you for your time with this matter. 
XXXX, XXXX Also for some reason, some rental properties are trying to screen me and they are getting an error which states " Credit Bureau Blocked File ( XXXX XXXX ) Information from your inquiry has been identified by the consumer as fraudulent and therefore the credit report is not available for delivery ''. 
I have called all three credit Bureau 's to verify there is not a block/freeze/fraud alert however this is what some landlords are seeing when I am trying to apply.

I have been on the phone with all 3 several times trying to get this resolved. I really need some help if anyone can please help me or help guide me to a resolution?
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Hello, My issue is with Roundpoint mortgage Co. I recently received an escrow analysis which indicated that we had a escrow shortage. the shortage amount was {$2800.00}. the paperwork provided provided us with options to either pay the total shortage amount or not pay and have my mortgage increase from {$2000.00} to {$2400.00}. I reviewed the FAQ 's to determine what the best financial decision we can make since the shortage amount was large. I as told that the FAQ is subject to interpretation. Unacceptable. Are their answers are not clear. the account information provided indicated only the XXXX options with a breakdown of what the payment was and what the payment would be if we did not pay the shortage. 
We decided to pay the shortage in full with the understanding based on the paperwork that payment would not change. 
I called to ensure that my payment was received and I received communication that my mortgage payment increased to {$2200.00}. NO WHERE on any of the documentation did it specify the breakdown of this mortgage payment. I called in early XXXX and spoke to XXXX and her supervisor XXXX and they tried to explain the increase in mortgage payment but could not show me where it is broken down for us on the documentation. 
I informed them that their company practices was deceptive in providing us with inaccurate payment information and that they prevented us in discussing what the better option financially would be for us. Why would we have used our savings to make a large payment if the mortgage payment would increase by {$200.00}. Makes no sense. I have been a homeowner for over XXXX  years and had other mortgager lenders and escrow shortages. Other mortgage lenders paperwork is quite clear. Any assistance would be appreciated. 
Thank you XXXX & XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: KEYCORP (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-27
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CT)

Dear CFPB, I am part of a federal loan repayment program through the XXXX XXXX XXXX XXXX ( XXXX ). They make quarterly payments of {$9900.00}. My loan servicer, EdFinancial, has consistently been having delays processing this payment. These delays in posting result in delays in future payments being released by federal loan repayment programs, or jeopardization surrounding eligibility in these programs. In addition, they result in interest being accrued while they fail to process the payment. My last payment was submitted earlier this month XX/XX/year>, and it still has not been processed. 

I have had this issue numerous times. They consistently failed to address it and collect weeks of additional interest. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I HAVE REACHED OUT TO XXXX AND EQUIFAX AND MULTIPLE OCCASIONS TO REMOVE THE FRAUDULENT ADDRESSES, NAMES, PHONE NUMBEERS FROM MY PERSONAL CREDIT FILE. I HAVE CONTACTED THEM ON MULTIPLE DATES, MAILED IN LETTERS, AND CALLED THEM. THIS IS FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED FROM MY CREDIT. I AM ASKING THAT ONLY MY XXXX NAME & ACCURATE AND CURRENT ADDRESS BE LEFT ON MY CREDIT FILE, PLEASE DELETE ALL OF THE FOLLOWING INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21
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. (SC)

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 informationisinaccurate.
Consumer complaint received 2023-05-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

This account reported me in XXXX I called that company to be able to solve the problem which reports me wrongly in my credit report since it does not appear in XXXX or in XXXX 

I called experian and they suggested that I file a complaint with you so that it can be resolved directly with them.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

This issue is regarding Home Depot Credit Card website ( run by Citibank online ), on the payments section. When making payments, there are multiple options to select a precalculated payment amount. XXXX option is " Amount to Avoid Interest '', which it would seem to imply that if you pay this amount you won't be charged any interest. I have used this option multiple times to make a payment yet, I continued to be charged interest. As of XX/XX/2023 I've been charged over {$800.00} in interest XXXX, despite using this feature to avoid paying interest. 

I called customer service and they explained that this option only applies to " promotional balances '', but it doesn't include any revolving balances. However, there is no indication or disclaimer on the site that explains this particular detail, despite other options on this menu having " explainers ''. 

This option seems to be intentionally misleading to the customer because it doesn't indicate what would be a sufficient amount to actually avoid paying interest. Because even if XXXX, as a savvy customer, were to assume this amount referred to the promotional balance, if XXXX were to add the total amount of the revolving balance, that won't be sufficient to avoid the interest because this payment will likely be applied to the promotional balance, and the customer will be charged interest. XXXX will have to call another department so that they allocate that extra payment properly.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have been sending dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from XXXX XXXX XXXX  ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ) have been attached to all XXXX months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX