davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I signed in to my Citizens Bank account and saw that a check I had written to someone for {$170.00} had been 'washed ' -- while you could still see traces of the original payee 's name, a different payee had been written in and the amount of the check was changed to {$5000.00}. I called the Citizens Bank fraud line ( at XXXX ) and after being on hold for about 45 minutes, spoke with XXXX XXXX He agree that you could see the original name, and that the fraud was " perfectly clear ''. He gave me claim # XXXX and said it would take 8-10 days to process, but the funds would be restored to my account, and that Citizens would send updates. 
On XX/XX/XXXX, I hadn't heard anything and called again. After being on hold for close to an hour, I spoke with XXXX ( spelling? ) who said the time was actually 8-12 business days but he would request a provisional credit and I should see the funds in my account in 1-2 business days. 
On XX/XX/XXXX, I had no communication from Citizens and the funds were not in my account. I made an online appointment with the local branch manager for that day. When the time of the appointment came, she did not contact me so I called the branch and was told she wasn't in the bank. I spoke with XXXX XXXX, who asked if I could come in to the branch. I sat with him for close to an hour -- while he text chatted with someone from the bank. At the end of the hour, the message was that it wouldn't take 8-12 days but 6-8 weeks and they would not be providing a provisional credit. 
It has now been six weeks and I have had no update on this matter and the {$5000.00} that was taken from my account due to the fraudulent check has not been refunded to my account.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX BANK Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have previously filed a compliant against SLS for this same thing. SLS refuses to properly apply my principal reduction payments. This causes me to have to repeatedly call and write them to correct their error. They have stated multiple times that they have corrected this this but it continues to happen. This results in SLS charging me extra interest - beyond what is defined/allowed in my Mortgage
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached and FTC report with inquiries I did not authorize and also attached accounts that are all reporting errors to my credit report please delete and update my personal information
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (FL)

I had a loan with big picture loans on XX/XX/XXXX. I made my first payment on XX/XX/XXXX because it was a partial payment of {$46.00} because of a hardship. The agent told me if my circumstances dont improve to reach out to see what options are available. I had a family emergency I had to go out of town so I reached out on XX/XX/XXXX to revoke ACH and I explained the situation. And I said when I return I will set up a payment plan. I returned on XX/XX/XXXX I sent an email stating that I returned from out of town and that I would like to go on a payment plan now the account is past due. I just came back from work. And I need more time to get back on my feet. I received an email stating that they are unable to set up a payment plan. I asked if they can do settlement plan that I can afford because I can not afford to pay {$180.00} with the income I have work part time and I do not make enough. I would like a resolution to this problem and the account closed
Consumer complaint received 2018-03-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MS)

I purchased a home through a local bank in XX/XX/XXXX at which time I was told to file for homestead exemption in XX/XX/XXXX. The mortgage was subsequently sold to Freedom Mortgage. I filed and subsequently received homestead exemption from the local taxing authority and was directed to inform my mortgage company ( Freedom Mortgage ) of the new estimated tax bill in order to have an escrow re-analysis performed to update ( and lower ) my monthly mortgage payment which includes insurance and taxes. I sent Freedom Mortgage the letter from the taxing authority informing them of the approval and new estimated taxes on XX/XX/XXXX. I was told at that time that the escrow re-analysis would take place within 30 days. I called Freedom Mortgage multiple times in the month of XX/XX/XXXX to receive updates on the escrow re-analysis process and was told it was in the works and that it would be resolved byXX/XX/XXXX and that my new payment would be reflected on my XX/XX/XXXX mortgage statement. I called on XX/XX/XXXX to get an update on the process after having reviewed my XX/XX/XXXX billing statement and noticing no change. I was promptly told that I would have to wait a full 12 months until XXXX for the escrow re-analysis to take place when the XXXX tax bills are generated meanwhile paying double into my escrow account at the non-homestead exemption tax rate. I expressed my displeasure to the representative at the disservice and the fact that I had followed all steps required by Freedom Mortgage in the XX/XX/XXXX phone call. By not re-analyzing my escrow amount, I am paying into escrow nearly double the amount of taxes I will be charged. This money could be used elsewhere or invested. Instead, it is tied up in escrow and will be refunded to me in XXXX due to an overage.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (VA)

Dear Sir/Madame I am writing to file a complaint against for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Failure to Provide Validation Information I received a communication from CREDIT MANAGEMENT LP stating that I owe a debt of XXXX to XXXX XXXX XXXX. However, the collection agency failed to provide me with the required validation information as outlined in XXXX CFR XXXX ( b ) ( XXXX ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies. 
XXXX. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt. 
XXXX. False, Misleading, and XXXX Practices The collection agency 's actions constitute a violation of XXXX XXXX. XXXX ( XXXX ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in XXXX XXXX XXXX ( d ) is a violation of my rights. This action could negatively impact my XXXX XXXX without ensuring the legitimacy of the debt. 
XXXX. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against CREDIT MANAGEMENT LP This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA. Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt. Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified. Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in XXXX CFR XXXX ( b ) ( XXXX ). Proof of their agreement to purchase the debt from the original creditor. Also, disputing owing any and all debt to them, revoking all rights of them communicating with me through email, text, and call. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely XXXX XXXX
Consumer complaint received 2023-08-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have had a line-of-credit open with my bank for the past ( 8 ) years or so. Shortly after receiving the line of credit, I sold the home that was used as collateral, however this loan was not paid off at closing. I assumed that it was converted to a standard non-collateral type loan, and have continued to pay the monthly payment. When I tried to refinance this loan with the same bank, I learned that it was still a line-of-credit! Worse yet, they still had the home I sold back in XXXX as the collateral! 

I have stoped making payments on this loan, as they have refused to refinance it, and have now received a letter from the bank stating I must pay the full balance by XX/XX/XXXX. 

Does the title company that handled my home sale have responsibility in this case, since they have now place myself as well as the bank in a very precarious position?? 

Help!
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all XXXX credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (NC)

I called Equafax to report inaccurate information on my personal information section of my credit report. 
.

There were 5 different variations of my name, only one was accurate. There are phone numbers and I don't own or recognize on my report. And and address of XXXX XXXX XXXX address on my personal information that is not my address. 

XXXX fax said I should file a report with the fpb since I believe it fraudulent. Send them the report number, and they will look into the information being invested.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I had to retire early and started drawing my SS. My pay checks were going into my checking account every week. I got a letter letting me know they closed my account. Of course I didn't know if I had a leg to stand on so I didn't report it, But I called the bank and talked to a lady and she said that I was no longer beneficial to the company any more so they closed my account. This has been five years ago but I felt I could try. It made me feel like gutter trash.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affiliates Management Company (CA)

I am having problems with : CO-OP Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX XXXX Their phone is = XXXX -- XXXX coop extension They are contracted by 'XXXX  XXXX XXXX ' CO-OP Financial Services ( risk_email@coop.org ) is not returning my money from FRAUD TRANSACTIONS on XX/XX/2018 ... {$990.00} ... ... XX/XX/2018 .... {$490.00} CO-OP Financial Services ... hangs up the phone on their customers and needs to return my money from the fraud transactions. 

CO-OP Financial Services ... needs to be SHUTDOWN and not operate.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I recently applied for a COVID temporary hardship forbearance with my servicer Select Portfolio Servicing , Inc. XXXX SPS ). The only terms offered for my forbearance was for three months with the full amount due at the end of the forbearance period. There are two issues with this offer. 
1. The CARES Act requires a 6 month forbearance period with a potential expansion to 1 year. Nowhere in the Forbearance Plan that was offerer or in communications with SPS is there any mention of a possible 6 month forbearance. 
2. The idea that anyone who is struggling enough to require a forbearance due to COVID would at the same time be able to save up and be able to pay a balloon payment at the end of the forbearance period is ridiculous. It does not comply with the spirit of the CARES Act and is an abusive practice under federal law and more specifically UDAAP. There are many servicers in the industry that are moving any payments that are forbeared to the end of the loan and due at maturity. Recently, the GSEs even provided guidance on exactly how to take such an action on a conventional loan. SPS also goes on the include language that indicates the borrower is responsible for taxes. It is very confusing on whether that means that even if I am escrowing my taxes and insurance whether I still need to be prepared to make my property tax payments ( even though there may already be funds built into my escrow account ).
Consumer complaint received 2022-11-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
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: Experian Information Solutions Inc. (NJ)

This account XXXX Account number XXXX is not showing on my Experian and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

According to Law FCRA Section 605B, it is illegal to report information on my credit report without my permission. Thank you, please remove this from my credit report .Account number XXXX XXXXAlly Financial Closed XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title