davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (CA)

This is just how ___ up this system is. I paid OFF a debt that was the result of a weather catastrophe ( had to buy a generator after a CA state natural disaster ), and Experian and likely the other two bureaus LOWERED by credit score by XXXX points! 

This system is truly so horrible. I paid OFF A DEBT. I am interested in PAYING OFF MY DEBTS but in America, they hold this AGAINST YOU. This system is sick. It does not serve US.

I demand to know why they LOWERED my credit score and I am really tired of posting these complaints but nothing changes in the system itself. Why does CFPB even exist? We don't get it.

Thank you.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX I made an online payment from my XXXX Bank Account to Comenity Bank for {$4700.00}. This was well before the due date of XX/XX/XXXX. When I received the next statement on appoximately XX/XX/XXXX the payment had not been credited to my account. I called Comenity and told them that i had sent the check and they claimed that they did not receive it. I told them that I would stop payment on the check and reissue the check. I asked them to waive the late fee of {$28.00} and the interest of {$130.00}. They agreed to waive the late fee but refused to waive the interest. I filed a written complaint with Comenity on XXXX and they have not taken any action. When I received my next statement they charged a return check charge of {$28.00}. I stopped payment on the check when they said they had not received it on XX/XX/XXXX. I called today and asked them to remove the {$28.00} charge and after speaking to XXXX people they refused to do so. 

I also had charges from XXXX XXXX on my XXXX and XXXX Statements that were not authorized. I suspect this was fraud and I do not know if Comenity is complicit in this fraud.
Consumer complaint received 2023-01-05
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. (AZ)

On XX/XX/XXXX I was unable to log in to Experian using my password and was unsuccessful so I decided to select Forgot Username even though I was positive that my email address was correct. I only have 2 email addresses and this is not one of them. EXPERIAN HAS ALLOWED SOMEONE THAT IS NOT ME TO ACCESS MY ACCOUNT AND CHANGE THE EMAIL ADDRESS SO THAT I NO LONGER HAVE ACCESS TO MY ACCOUNT. I receive a security email from companies whenever I update information on my account notifying me that my account has been updated. I never received an email from Experian. I have tried calling but the automated system never allows you to connect with an actual person so I am following their process to send information via mail. 

I was a victim of fraud in late XXXX and almost 3 years ago to the day I sent a letter requesting a Security Freeze and it is distressing to now discover that Experian, a company that is supposed to be protecting me, has allowed someone to breach my account and change the email address so that I no longer have access to my account. 

I have done some research and have discovered that this has happened to others : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My mortgage company, XXXX XXXX, sold my mortgage to Freedom Morgage. I was set to auto pay XXXX so every month they sent me a mortgage statement and I filed it away. When they sold the loan, I didn't have any knowledge that it had happened. The first I knew about it was when Freedom Morgage sent me a foreclosure notice ( which I assumed was also junk mail, but I looked at it anyway ). 

It turned out I was a few weeks behind on the payment and this was their way of letting me know ... " welcome, you are being foreclosed on '' ... even though it was literally just a few weeks late. I started scrambling around trying to find info on this new lender and realized that they didn't transfer my auto payment so I needed to setup a new account with them to pay it. I did that and then tried to setup an auto payment plan but they wouldn't let me do THAT because they needed my first payment to clear (?? ). So a week later I went in and setup the autopay. Selected the full amount payment on the due date and considered it taken care of. 

About 2 months later they sent me another threatening letter saying my escrow payments were going to be short. It turns out they had created an auto payment amount that wasn't for the correct amount. I am going to assume this is because it makes me think they are charging me less ... but of course it was just wrong. The letter said if I did nothing they would adjust my amount. So I left it alone and am chalking that one up to standard deceptive marketing practices at worse and incompetence at best. 

However, they ALSO charged me a {$15.00} `` drive by fee ''. Apparently this is because my payment was late in XXXX so they say they charge this fee to make sure the house is ok? I would bet the value of the house that no one drives by and this is just a random fee to get around the fact that they are not legally allowed to charge fees within a 60 day grace period during mortgage service purchase transfers. 

This company is a general disgrace and this fee is wholly fraudulent.
Consumer complaint received 2023-01-05
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. (CO)

I disputed late payments that are showing on my XXXX account at Transunion. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. Transunion stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank services my mortgage and taxes/insurance are escrowed. TD has failed to pay and remit timely payments for property insurance. There is more than ample escrow funds, mortgage is current and there is no reason to explain this issue. Contact was made on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to resolve this issue. 

On each date listed, TD Bank has assured us that they received the insurance bill and that payment would go out overnight. They failed to complete this simple task and the injury is that insurance cancelled on XX/XX/2018 after 30 days of non-payment. In order to avert cancellation, I personally paid the insurance for one quarter ( even though TD Bank is supposed to pay through escrow ). 

I raise this issue to the CFPB for resolution not just for my case but more importantly to red flag why there is such a flagrant disregard for remitting timely insurance payments. Hopefully, this can help avert the same issue for other consumers that find themselves innocently in this situation where your mortgage firm does not fulfill their escrow obligations and introduces risk.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XX/XX/XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to Transunion and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Auto Loan to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan.

Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO2 reporting standards. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.
Consumer complaint received 2021-01-07
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. (PA)

In XXXX i applied for a XXXX XXXX credit card i was approved for XXXX limit so upon waiting for my card to arrive i never receive my credit card after some time has gone by i contacted XXXX XXXX letting them know i didn't receive my card they said they will cancel it and send me out a new card, now we are in XXXX i never received the new card i contacted chase regarding the new card they sent me that it never arrived they then at that point me told me the account has been canceled because there is a {$6000.00} limit on the original card that i ever received and not 1 time did chase let me know that someone activated the previous card so therefore i filed an identity theft report and sent it to chase i also have an ongoing lawsuit against chase for trying to make me responsible for a debt and card that isn't mines and now Equifax  is reporting a fraudulent account on my report which i need this account removed permanently from my credit report or i will file a lawsuit against equifax
Consumer complaint received 2022-11-13
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. (DC)

I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating XXXX XXXX XXXX pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I received an email informing me that my credit card payment to XXXX XXXX  for {$100.00} had not been received. I went to my Citizens Bank account on-line and saw that my check ( # XXXX ) had been altered, with a different payee ( not XXXX ) and a different amount ( {$16000.00}!!! ). 
I called Citizens Bank and told them of the alteration. I was advised to go to my local branch, inform them, and open a new account. 
On XX/XX/XXXX, I received a call from XXXXXXXX XXXX XXXXXXXX XXXX informing me that they had put a hold on that check that had been deposited in a XXXX  account at an ATM ( in XXXX, MA ). 
On XX/XX/XXXX I went to my local Citizens branch, closed by old account, and opened a new one. I was informed at that time of several incidents like mine and was assured that it was clear that my check had been altered. 
On XX/XX/XXXX I received from Citizens Bank a request for information so they could proceed with their investigation. 
I sent Citizens Bank the information they requested : a copy of my bank register with the XXXX check and amount highlighted, my copy of the XXXX bill with the date of payment indicated, a copy of my last bank statement with the copies of all my checks in that time period which showed that the writing on the " pay to the order of '' line and the amount did on check # XXXX did not match the writing on the other checks. 
This information was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I called Citizens Bank Complaint Department and they told me that XXXX XXXX  had been contacted. 
On XX/XX/XXXX I called Citizens Bank again and was told they would again contact XXXX XXXX  and I should contact them again in XXXX weeks. 
On XX/XX/XXXX I received from Citizens Bank the same requests that I had received on XX/XX/XXXX. 
I called Citizens Bank and was told to only needed a copy of my bank register ( which I had already sent ). I sent it again that day. 
On XX/XX/XXXX I again called Citizens Bank and was told that they still need to follow up with XXXX Bank. I was hung up by a supervisor I asked to talk to ( her name was XXXX XXXX. 

This is a complaint against Citizens Bank both for the length of time that they are not returning my money to my account and for the way I have been treated. 
Please contact me if you need any more information.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of XXXX XXXXXXXX Compliant reporting standard.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXXXXXX XXXX XXXX XXXX  acct # : XXXX account balance : {$2700.00} XXXXXXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 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. 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 a 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 information is inaccurate
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (WA)

XXXX XXXX Credit card acct # : XXXX account balance : {$2700.00} XXXX credit card acct # : XXXX account balance : {$1900.00} 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. 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 a 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 information is inaccurate
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

PHH Mortgage Company acquired my mortgage in XXXX of XXXX. My first payment with them was XXXX. I paid XXXX early with a check and XXXX early with a check. I started calling them around XX/XX/XXXX because my account said past due. I believe they are trying to steal money. They cashed both checks and I had to provide them with copies for them to take a month to apply them. In the mean time I set up an automatic withdraw for XXXX 's XXXX payment. When they applied the payments to the account they never took off the past due notification. Their policy is to disable the automatic payment until you are current?? ( weird ) So my automatic withdraw did not go through and they took the payment out of my escrow account. I spend about an hour each day trying to resolve this. I found out today that my financial advisor has the same company and has been spending a lot of time on the phone trying to fix his payments. They past you to the " Escalation Department '' and then you can't talk to the person that is fixing the account because they don't take calls. Please help
Consumer complaint received 2024-03-26
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. (MI)

I am writing to bring to your attention a concerning discrepancy on my credit report. Upon reviewing my recent credit report, I discovered an account that is inaccurately associated with my name and it appears to be fraudulent in nature and is not affiliated with me in any capacity.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2022 at XXXX I went to an XXXX atm to deposit cash into my Huntington checking account. I used my Huntington debit card to make a {$900.00} deposit using an XXXX atm. The atm took the money and never, I have a receipt showing the amount that was taken and it shows that it did not give my money back. 

I have filed 3 disputes with the Huntington Bank, and each time they come back saying they have found nothing. I have also reached out to XXXX, and they keep telling me that I would have to go through Huntington. 

I have been going around in circles trying to get my money back and no one is figuring anything out.
Consumer complaint received 2023-05-08
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. (MO)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items :
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (PA)

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX,, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I noticed that XXXX, TransUnion and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, TransUnion and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.