davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
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: ACIMA CREDIT, LLC (FL)

Dear CFPB Staff, XXXX has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : ACIMA CREDIT FKA XXXX. 

XXXX has refused to address this twice so far.
Consumer complaint received 2020-03-24
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: CITIBANK, N.A. (CA)

- XX/XX/XXXX, We purchased items in XXXX. We found the charge receipt was blank. We expected a charge of approximately {$200.00}. 
- XX/XX/XXXX, XXXX statement showed a charge of {$3500.00}. We opened a dispute with Citi Costco card via their website. In our dispute letter, we explained that the XXXX dirham was incorrect and could not have been more than XXXX and supplied a list of items purchased. This letter was transmitted via the Citi website. 
- XX/XX/XXXX, after periodically checking the Citi website for a response or progress on the dispute, we found an update from Citi explaining that the dispute had been resolved in the merchants favor due to us not responding to Citi 's request for information on the transaction.

- We made several calls to Citi 's billing dispute department for an explanation. We were told that an email had been sent to us on XX/XX/XXXX requesting information on the disputed transaction. I informed Citi that we did not receive any email and asked why they did not post the request to the website. Citi personnel had no answer. Citi personnel could not tell us if they had our original dispute documentation letter in hand or whether  the XX/XX/XXXX email was asking for additional information. Citi personnel told us there was nothing more they could do as they were required to follow Visa rules.

- Two calls made to Visa customer support suggested that Visa had only guidelines. Any rules were set by the bank and the bank was free to reopen the dispute. 
- We pulled down emails from old, unused email accounts and did find an email from Citi dated XX/XX/XXXX of XXXX. However, it was in an encrypted PDF form and was only good for 72 hours. We could not read it. Citi personnel could not tell us more about the letter.

- Calls back to Citi personnel with the information from Visa were rejected. We were told they were just following Visa rules and could not reopen the dispute. When we asked who we could  contact at Citi with a letter, we were given an address that was that of Costco. 
- By now, we are into XX/XX/XXXX. It took some time, but Costco 's local store administration had a regional Citi card employee  contact us. He did have the XX/XX/XXXX letter in the file, but it did not matter. He said there was nothing he could do. He could not explain why Citi did not post the letter to the website.

- We feel Citi acted inappropriately by communicating with us on the dispute both initially and in closing via their website, but altered the communication mid-stream with an email. This is an email that was not received and could not be read when told of its existence.
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (TN)

I have file 4 disputes to Experian and XXXX about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked Experian and XXXX  their method of verification of how this debt was proven to be mine. XXXX  could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how Experian and XXXX  were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.
Consumer complaint received 2022-11-05
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I started addressing this issue with OCWEN 2 years ago - they have only pushed me from group to group and no one has given me any solace or resolution. 

I have called and addressed this issue likely 100 times in the last 2 years.

OCWEN 's lawyers conspired with my lawyer to commit fraud and did. OCWEN paid my lawyer XXXX XXXX and I paid my lawyer to refinance the property I live in, after discovering that there were 14 violations of TILA and RESPA in my purchase and sale. They conspired to settle the debt by adding 10 's of thousands of dollars in fee 's. Because of it I am now unable based on the settlement able to correct them on the fact that they wrote into the settlement that I could never sue again for any reason including if they broke the law again. No lawyer can intercede because the CAL BAR will not allow them to negotiate with mortgage companies any longer. No lawyer will sue any other lawyer for such a small amount - no one is interested. I have escalated this to the CAL BAR  and they are investigating - this should take more than a year based on another case similar to mine that I am privy to. 

There is a reason that OCWEN is the most often sued lender on earth.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (GA)

A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.
Consumer complaint received 2020-03-25
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)

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

Santander doesnt mind reporting if your loan is late or anything negative on a report. However, they are reporting my balance incorrectly on my credit report for over 6 months. They refuse to update the correct remaining balance on my account. I also made a payment at XXXX XXXX last month and western union didnt receive the correct transfer so they reported me late. XXXX XXXX called Santander and told them it was in error on their end and they told me to put in a dispute but, when I spoke with someone else they said they would correct the error and send it to correct the credit report. This has not been done. Im requesting for the correct balance on the account to be reported correctly and to remove the 30day late off as a courtesy or error, They keep reporting like I owe {$3800.00}. when I owe them under {$2200.00}
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (CO)

XXXX has a Business Partnership with XXXX of which we have Automatic Daily Deposits. We ar3 still waiting for funds after 5 Days and XXXX refuses to contact their Business Partner to resolve this issue. We are requesting an Investigation into the Fraudulent Embezzlement Practices XXXX/XXXX is incurring on their Clients
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper is my mortgage company. I have contacted them numerous times, including twice on XXXX. The company has refused to pay the taxes out of my escrow for my second piece of property and the penalty acquired on both pieces due to their lack of accepting responsibility when acquiring my loan from the previous company. I had to pay due to the threat of garnishment due to my being a XXXX employee. XXXX XXXX has repeatedly ignored my request for the second piece to be paid, never even acknowledging the property in previous complaints. I can not believe the audacity of this company to think that it is ok allow penalties to occur and then dump the fee on the consumer. I would not recommend this company to anyone and will pursue whatever means necessary to make sure this company does not do this to another individual. I have had to pay the taxes/penalties, lost time at work, spend numerous hours on phone and have multiple emails to document the attempts to resolve this situation. I believe they are stealing from consumers due to their admitting that it happens all the time and it needs to stop.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TX)

US bank closed my account ; as there were attempts at fraud on my debit card ; and credit cards with them.I received a call ; and she says ; well you are in Texas where we have no branches there ; find a new bank there.This was XX/XX/XXXX.So far one excuse after another why the money left in the acct. have not been returned in 40 days.Imagine if that was my life savings.Many calls ; no action.
Consumer complaint received 2020-06-09
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. (NV)

I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX/XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX Are accounts open due to identity theft.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

National Credit System has reported a collection on my credit report that is false and inaccurate in the amount of {$4400.00} of XXXX 2020. I have contacted the credit bureaus directly and they are not removing the collection account per the regulations of the Fair Credit Reporting Act
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that XXXX had deleted the payment history, XXXX changed the dates, which are still inaccurate, and Equifax erased their payment history to unknown status. 

Also, between all three credit bureaus ; XXXX, XXXX, and Equifax, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my investigation.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am complaining about Shellpoint Mortgage Servicing. I consistently pay them, and they consistently send me certified mail threatening to foreclose. I continue to pay them every month. My payments are late due to financial difficulties, but I pay them every single month. When I speak to the collections department, I am told that the threatening letters are a " formality '' and that as long as I pay, they will not foreclose. These letters cause me significant amounts of stress. I have made regular calls and explained my situation to the company, and have continued to pay. These contradictory business practices have caused me duress and pain. Shellpoint is too aggressive. I do not believe the company when its staff says there will be no foreclosure, yet the letters indicate that this is the overall plan. The company says that it does not want my home. I do not believe them. This company is acting in bad faith and doing harm to its customers. I will also be writing to my Member of Congress to address these concerns. The company 's recent conduct also makes no mention, nor even offers any supportive words, concerning the Federal Government 's recent moratorium on foreclosures.
Consumer complaint received 2020-04-03
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: CITIBANK, N.A. (CA)

In XX/XX/2029 I Ourchased clothing from a company paid {$430.00} The clothes arrived made cheaply and poor quality runs small / XXXX size Talked to seller and mailed items back as requested and got a tracking number. Informed ciiti card I mailed the items back. Gave Citi the tracking info Since XXXX to XXXX I have called and spoke to disputed given them info abt tracking mailed items to seller and Citi card has now closed my case and DID NOT refund my {$430.00}!! So I hav no products and no money!! Since Covid I can not reach anyone and the phone calls will not go through! I have emailed them no answers from Citi! I need my money refunded Citi credit card disputes XXXX Im so disappointed do not feel protected and will be closing Citi card the customer service is the worst I really need help getting my money back!! In 35 years I have never had such bad customer service with any credit card!! Thanks
Consumer complaint received 2020-04-03
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. (MN)

My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my XXXX XXXX and Experian credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

This complaint concerns Fedloan Servicing and the public service loan forgiveness program. Last year ( XX/XX/XXXX ), in XX/XX/XXXX timeframe, my student loans were transferred to Fedloan Servicing to manage my payments towards the public service loan forgiveness program. I have been consistently making on time payments since my loans have been in repayment status ( XX/XX/XXXX ), before and after they were transferred. In XXXX ( XXXX ), I called customer service to get a total count on the number of payments I had made towards the 120 qualifying payments and was told that I had only made 3. I  informed the customer service representative that it should have been more than that because I had been in repayment status for much longer than that and had been making payments. After reviewing my account again, the representative informed me that I had been making payments larger than what I was supposed to be paying and as such, the payments were not being captured towards the qualifying payments. The representative agreed that I had made more payments than what was originally stated. The rep advised that she would record my concerns and a letter will be mailed to me notifying me of the total number of payments that quality since there was a backlog for this type of issue. Last week ( XX/XX/XXXX ), I received notification that the total number of qualifying payments I had made was 1, which is completely different from anything that was discussed in XX/XX/XXXX. In addition to the above issue, it appears that the balance of my student loans has increased tremendously from what the balance was prior to transferring to Fedloan.
Consumer complaint received 2020-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was looking to buy 2 poppies. I found this wedsite online with 2 beautiful puppies at a very good price. The person that I was on contact provided me with flight tickets. I transfer an amount of  {$1400.00} on XX/XX/XXXX. I was told they were going to be deliver the next day at XXXX. Instead I received a new email from the shipping company asking for more money. I used XXXX from my bank account Bank of America I was really disappointed when I call them and the answer I got was there was nothing they could do for me I started searching online and there was a lot of people with bad reviews about the same person I transfer the money to. Its unbelievable that some many people complained about the same person XXXX XXXX with the same bank information and that person still have a bank account access. 

I save for a long time with so many sacrifices to get my daughter a puppy and its really sad that someone took an advantage of that. And that the bank that I been customer for years couldnt do anything about it. 

Thank you