davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens has been harassing me for payments they received! am paying for a refinanced loan taken in XXXX and paid additional payments approximately 3 - 4 times a year, it should have been paid in full by XXXX! They say not received XXXX 's payment yet they cashed XXXX 's payment on XXXX ( due to them stealing {$1100.00} from my account on XX/XX/XXXX, & cashed XXXX 's payment on XX/XX/XXXX for which I attached proof from my federal credit union 's investigation +, I paid XXXX 's mortgage payment and have never been more than XXXX days late even once/year, but Citizens reported me to the Credit Reporting Agencies ( CRAs ) falsely that I paid 3 times more than 30 days late to the CRA s then cash my check! 
I called Save Your Hoe Hotline and they informed me the week of XXXX XX/XX/XXXX that there were 2 other mortgages in my name which I originally thought must be the problem as I only got the original mortgage on XX/XX/XXXX, and refinanced in XXXX. For the 1st mortgage, I paid extra on the principal once or twice a year paying off in 1/2 the time! Now, the Loan # XXXX, I pay as aforementioned and it should have been paid in full no later than XXXX! I have continued paying extra on the principal but Citizens applies f my payments toward any account they decide without my authorization! I write the loan # on my check and do NOT have another loan with them but they say I do!? 
They're known to use illegal banking practices I learned from Enforcement Act infringed on for doing the same illegal banking practices they are doing to me! I have discovered over the years trying to force them to truly investigate and fix the amount owed but payments Citizens requested rises instead of declining but I owe XXXX!, 4 extra payments numerous times each year has loan as aforementioned paid by XXXX so i have been paying over " $ XXXX extra for 3 years or more! I complain and the follow-up after investigation letter always says there is no error but XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. all find fraudulent accounts not mine &, credit my account. are Citizens! Th. They are the only banking institution in the United States not investigating and seeing it is not me opening other loans/accounts- are Citizens!! I fixed my credit, Save Your Home Hotline said that it is obvious that the loans -one in XXXX & there other in XXXX which I only learned of the week of XX/XX/XXXX. I had no clue of them and they are forgeries as I am 100 % sure no other loans. I pay my bills and am a responsible person! Citizens. would not have given me a loan with a XXXX  credit score at the time due to identity theft! I would not have got 2 loans
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings (TX)

On XX/XX/2021 {$550.00} was taken from my checking out without my authorization. I authorized {$50.00} to be taken on XX/XX/2021 just the one time. At no point did I authorize any other amount to be taken.
Consumer complaint received 2021-09-18
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: ACIMA CREDIT, LLC (MI)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2023-02-10
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. (IL)

My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all XXXX credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all XXXX credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE. 
The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX Experian Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current Experian credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Consumer complaint received 2023-06-22
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. (TX)

I have disputed the accounts to the bureaus but they are still showing on my report. According to 15 U.S.C 1681 Law there should not be any damages on my report, it is a deformation to my character.
Consumer complaint received 2021-09-18
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: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TN)

I am writing to file this complaint because on XX/XX/2024, I mailed a notice of dispute to BRIDGECREST in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of 2 days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Consumer complaint received 2023-06-22
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. (TX)

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc. (IL)

I am receiving a bill from a collection agency for the amount of XXXX from RFGI Collection. The original creditor is XXXX. This company contacted me via email first and I told them not to contact me again. However, this company is still contacting me by phone and email. I would like this debt removed immediately.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (CA)

I acquired my credit report and asked the credit bureaus to check and make sure everything is being reported accurately 15USC 1681i I waited 30 days and i have not received anything back in the mail. 

XXXX, Equifax and XXXX are holding me back from trying to buy a house and this is very frustrating because they are not following the law.
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (VA)

XXXX XXXX XXXX sold my loan to SST and I was not aware. Once the company sold the loan, the new company, SST, has been messing up the payments and trashing my credit. I have had perfect payments on this loan for two years and now I am late and charged hefty late fees for the company not drafting the money and not processing the paperwork that is needed in a timely manner. the very first call I received from SST was letting me know that I was {$430.00} dollar delinquent but the partial payment had just been taken out on the XXXX which was only 3 days before. Since then, my auto drafts have not been coming out and I am now late again on the payment when it should have been an auto payment. Now, due to their error I am needed to pay a month and a half payment to catch up the account due to their mess up.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$4800.00}
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NV)

This bank is not reporting to the credit bureaus in a timely manner. 

The last time they reported was XX/XX/2021. My balance was $ XXXX The following payments are not shown at the credit bureaus and are keeping me from getting another car. 

XX/XX/2021 One-Time Payment Completed {$5400.00} XX/XX/2021 Payment Processing Center Completed {$19000.00} XX/XX/2021 Payment Processing Center Completed {$40000.00} The entire amount has been paid off and albeit the final payment was only 3 weeks ago, the other 2 payments on XX/XX/XXXX and XX/XX/XXXX were never reported to the bureaus. I have contacted Ally Auto and they have not responded.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (TN)

Well apparently one late fee is {$30.00} and then the second one I got was XXXX this is only my second payment to the company they also said my first payment was returned as nsf but that wasnt the case my back flagged it and rejected it. No problem and I fixed it.. then boom hit with a annual fee the {$75.00} and..
Consumer complaint received 2021-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

Mortgagee letter XXXX dated XX/XX/XXXX, XXXXPage three ... .states, " Mortgagees must inform Borrowers suffering financial distress that these additional resources may be available through their state. '' However when I speak with representatives at Flagstar, they indicate that they have no knowledge of the HAF. I spoke with representative from Flagstar on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each time I engaged the representative regarding my intention of applying for HAF funds through the State of Texas upon implementation of the program, not one of the representatives had knowledge of the HAF in clear violation of the Mortgagee Letter references above. I can not enter into a good faith conversation with Flagstar on a path forward since my Covid Forbearance will be expiring on XX/XX/2021. Using Flagstars ' guidance i have started the reinstatement process. From my research ( US Treasury Website, HUD HAF Income Limits ) from a financial stand point I qualify however if my loan is fully reinstated prior to the program opening much less my potential approval it will be too late since I have fully reinstated my loan
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Since XX/XX/2022 they have been trying to take an automatic payment from a closed account. I have tried several times to stop. They keep attempting this and it is closed and keep charging me returned fee of {$41.00} each month. They're only policy states that after the first time it is suppose to be removed but they have charged me XXXX {$41.00} fees for repeated attempts I was not able to stop for an auto payment from a closed account.
Consumer complaint received 2024-04-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

The journey with Citizens Bank has been prolonged for the VA loan assumption. The typical 30-day REQUIRED VA suspense period was ignored, and to date, they have exceeded XXXX  days. There is no end in sight for a closing date. The challenges have put us in a burden financially, due to their inability to process the paperwork promptly, communicate progress, ( or lack thereof ), and their general abysmal customer service.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Auto loan from XXXX was paid in full after trading the vehicle in. XXXX received the payoff amount on XX/XX/2023. The credit report from Experian still shows account as open, as of XX/XX/XXXX. I filed a dispute with Experian on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

I was hospitalized on Monday XX/XX/2023 at XXXX until around XXXX on Monday XX/XX/2023. When I arrived home after being released from the hospital I realized my cell phone and wallet, which had my Chime debit card inside had been stolen while I was in the hospital. I immediately called Chime Customer Service to report my Chime debit card stolen and the representative deactivated the card and assisted me with filing a dispute for all of the unauthorized transactions that were made using my Chime debit card while I was hospitalized. I received an email from Chime XX/XX/2023 stating that a decision on my dispute claim had been made and that it was declined and I would not be refunded the money that was taken from me by the unauthorized transactions made on my card.
Consumer complaint received 2021-09-18
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: William D. Meeker Enterprises, Inc. (FL)

1. CIC CREDIT has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2024-06-05
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. (CA)

I disputed inaccurate information with Experian, XXXX, XXXX in regard to this account XXXX XXXX Account # XXXX, # XXXX. Why are there multiple account numbers across all three consumer reporting agencies? clearly that's a inaccuracy so delete based off that error! Experian, XXXX and XXXX stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my Experian and XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX as stated by XXXX so which is it?, it should be falling off my credit report when? The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! The account is also Charged off TEN times which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Experian, XXXX, and XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in Delete account immediately Account Name : XXXXXXXX XXXX Account # XXXX, # XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-02-02
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. (AZ)

This is to XXXX - XXXX - and - Experian I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to XXXX XXXX Experian
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been attempting to get financing from several institutions that have stated in their denial, that my credit was denied due to EQUIFAX being unable to identify me. 

I have a recent version of credit report which has the accurate up to date information on it however, which is the same info used on my applications. I had contacted XXXX XXXX XXXX who informed me Equifax doesn't have my number on file therefor they can not approve me financing. 

Equifax provides no method of adding my number to any such system of there's to allow approval of credit through one of the institutions that use this terribly flawed system employed by Equifax. Equifax has caused significant financial harm and distress to me myself because of the inability to provide adequate service to me as well as the institutions paying them.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have called Mr. Cooper since XXXX of 2020 to ask them to pay my property taxes. 

The taxes were due in XX/XX/2020. 

I have over $ XXXX in my escrow account with Mr.Cooper to cover the $ XXXX of property taxes. 

Each week I get the same response which is that they are working with XXXX county to get the bill and submit payment. 
The bill is accruing interest and late fees.