davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (PA)

In accordance with " The Fair Credit Reporting Act XXXX '', the accounts are as follows : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX , XXXX, MO XXXX ( 2x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX , PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 an account without my written instructions.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens bank updated their mobile mortgage app to force a redirect to their new banking app. The original app is now completely unusable, and prior login credentials are not valid for the new app. The login credentials also do not work on their website, and their system can not find our accounts, making us unable to sign in and access our mortgage. Citizens bank has been responding by stating that the old app is still usable, which is a lie. The only way to receive support is by phone, which took approximately 4 hours on hold, and the issue was never resolved. Citizen 's is going to force people to miss payments because we currently have no way to access our accounts and pay
Consumer complaint received 2021-12-31
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: First Technology Federal Credit Union (NJ)

I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX. 

I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information. 

Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome! 



Sorry for the late reply, I have been covering for a few other mortgage loan officers this week. 



Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score. 



The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score. 

Any small impact incurred you usually get back the following month. 



Should you have any questions about the mortgage application process, please feel free to reach out this week! 



My direct line is XXXX
Consumer complaint received 2018-07-17
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. (AZ)

I am a victim of identity theft. The following accounts and credit inquiry listed on my Trans Union, XXXX   and XXXX  credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

Please remove the two late payment reports from 2020 XXXX and XXXX for I was Financial impacted by covid 19. In an act of good faith please remove from report for my account is paid and never late after. My bill was paid on time every month after dating back to when the card was first issued as well please remove the late payment comment from my reporting it is hindering my ability to receive other products from different companies. Thank you.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (CA)

AMOUNT: XXXX

ON XXXX XXXX XXXX, THE FOLLOWING DISPUTE LETTER WAS SENT TO FINANCIAL RECOVERY SERVICES, XXXX XXXX XXXX XXXX MN XXXX, TO DISPUTE THE DEBT AND ASKED TO VALIDATE THE DEBT.  

FINANCIAL RECOVERY SERVICES DID NOT SEND ME ANYTHING TO VALIDATE THE DEBT, AND IT HAS BEEN OVER 30 DAYS.

JULY 19, 2021

FINANCIAL RECOVERY SERVICES
XXXX XXXX XXXX XXXX MN XXXX

RE: VALIDATE THE DEBT.  FRS FILE NUMBER XXXX, XXXX XXXX XXXX

TO FINANCIAL RECOVERY SERVICES,

PLEASE SEND ME THE FOLLOWING IN REGARDS TO FRS FILE NUMBER XXXX, XXXX XXXX XXXX.

1 - IDENTIFY THE ORIGINAL CREDITOR
PLEASE SEND ME THE CONTRACT FROM THE ORIGINAL CREDITOR

2 - ORIGINAL CONTRACT WITH SIGNATURE

3 - CONTRACT BETWEEN ORIGINAL CREDITOR AND COLLECTION AGENCY
ALSO KNOWN AS ASSIGNMENT CONTRACT

4 - PROOF THAT COLLECTION AGENCY IS LICENSED TO COLLECT DEBT IN MY STATE

5 - PROVIDE COMPLETE LINE BY LINE BREAK DOWN ACCOUNTING OF ORIGINAL ACCOUNT
TRANSACTION HISTORY, INVOICE HISTORY

6 - PROOF THAT DEBT OWED IS WITHIN STATUTE OF LIMITATION FOR MY STATE

THANK YOU.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (MD)

The following companies show inquries on my credit report without my knowledge or authorization:

- 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 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

Our mortgage company, Citizens Bank, escrows our property taxes. They made an error when entering our 2022 property taxes. They entered a total of {$36000.00} for our property taxes, but our total property taxes are {$10000.00}. This has caused them to increase our mortgage payment by around {$4000.00} per month. Our current escrow balance is {$14000.00} - far in excess of what it needs to be to satisfy the annual taxes. 

We have submitted evidence of our actual tax liability and Citizens Bank confirmed they received it, but they will not change it. 

I called on XX/XX/2022 to notify them of the problem. At that time, they requested I fax them the property tax information from my county, which I did. They told me it may take 5 business days to fix the issue. 

I also mailed them a letter on XX/XX/XXXX notifying them of the problem and the evidence of that. 

My husband called on XX/XX/2022 to follow up, because it still had not been fixed. They told him that it would be fixed by XX/XX/2022. On XX/XX/2022, I called and I was told it might be done by the XXXX or XXXX. I spoke with three different people, and I escalated the issue as far as I could. Each phone call took more than an hour. 

On XX/XX/2022, they again drafted the inflated mortgage payment and have taken no action to change it. On XX/XX/2022, my husband called again, but after another hour phone call, the problem was not fixed. 

During my XX/XX/2022 phone call, I requested that we removed from escrow. I stated that I would pay my property taxes myself. They told me that if I did that, I would be charged a fee, which would be a percentage of our mortgage, but the agent said they could not tell me what the fee was and that I would only find out after it was charged. I declined this, because I didn't think it was correct that I should pay a fee in that situation, and because of the unknown amount of the fee. 

At this point, we don't know what to do, and don't seem to have any recourse to stop the mortgage company from stealing our money. At this time, out mortgage payment is {$6100.00} and we have made significant financial sacrificed in order to not default on our mortgage.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2022-03-02
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. (NV)

XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and XXXX which received documents showing results as well XXXX XXXX responded to you
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent multiple letters and complaints to XXXX XXXX and transunion about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Consumer complaint received 2018-07-17
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. (FL)

Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.
Consumer complaint received 2021-06-02
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: CREDIT ACCEPTANCE CORPORATION (NJ)

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft Account XXXX : XXXX This is not mine. 

4. Identity Theft Account XXXX : XXXX This is not mine. 

5. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

On XX/XX/21 I received an email from Venmo asking for {$400.00}. The picture, name, and ID all match my wife 's account so I paid it. As soon as I paid it, the picture changed to a woman who was not my wife, and the name changed to @ XXXX. I feel like Venmo should have better protected our accounts and not allow a scammer/hacker to use my wife 's name and picture. I contacted Venmo and they refuse to look into it or try to recover my {$400.00} from the scammer. I also contacted XXXX XXXX XXXX XXXX County Police and they were hesitant to grant a police report because they said there is no way they will catch the scammer and that will be the only way to get my money back. I place my trust in Venmo to protect my accounts and not allow hackers to use my wife 's info. Venmo says they are not responsible but I have seen very similar cases on this site when Venmo refunds the full amount which is usually over {$400.00}. I am asking Venmo to refund me the full {$400.00}. Screen shots are attached - take note of how the name and picture change once I paid it. Thank you
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have contacted Equifax repeatedly in writing, by phone and by fax. I have asked them to remove inaccurate information from my credit report and provide an accurate copy to my lender so I can close on my house. This process has been going on since XX/XX/2021. My lender can not not get any information from them and I can not move forward with my loan. I do not know what else to do. I need help.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have made a couple deposit where the bank would place a hold and would not release the funds until as long as a few weeks later. This caused a lot of inconvenience and accrued many overdraft fees that I had to call in and ask to be removed. 

The ending balance was enough to cover yet, I still received overdraft fees because of the lengthy hold. 

I received 2 overdraft charges on XX/XX/XXXX overdraft {$70.00} with ending balance {$970.00}. 1 on XX/XX/XXXX for {$35.00}. 
XX/XX/XXXX 3 fees of {$100.00}. 

There the lengthy deposits begin on XX/XX/XXXX for {$1700.00} and XX/XX/XXXX I called in to see this was taking longer to clear and they respond that it was a new account when I had similar deposits before.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

I am XXXX years old and can no longer live alone because I have XXXX  XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Since 2014 I have credit card and almost 99.99 % of the time I have paid my bill 2 days in advance however this time I was surprise to see that I have been charged {$6.00} cent as an interest. When I call credit card company he said I may have paid my balance on due date and system did not get the payment that's why I have been charged. When I check, my due date was XX/XX/XXXX and as usual I paid two days in advance XX/XX/XXXX. When I told customer representative he just casually said its could be system mistake I will revert back charges. My question is on 1st why even I have been charged interest and now I have to check each of my bills since 2014 to check how many times I have been charged interest. This is not at all acceptable to me it seems fraud by credit card company. I am sure lots of user also have experience this issue and they may not aware of incorrect interest charge into credit card.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TN)

I received a letter from XXXX re : XXXX XXXX who is an adult. I called them and told them that I was not responsible for this debt. They opened a dispute with the medical center, more than 60 days again and it has not been resolved. ( XXXXXXXX Medical Center ). In addition, they have continued to try to collect the debt from me. I have advised them again today that it is not my debt and they have not provided proof or resolved my complaint and should not be sending me any correspondence about this debt. In addition, they are violating HIPAA as they have disclosed a date of service and location of services of an adult patient.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MD)

I have an automatic recurring payment set up with the company. Since the beginning of 2018 when they changed their system the additional money I pay each month does not go toward paying down the balance on the loan. Instead they apply it towards the next months payment. Each month I call to have them apply the excess payment to the balance of the loan and not towards the next months payment.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2022-03-02
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. (NV)

XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and TransUnion which received documents showing results as well XXXX XXXX responded to you
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

NewRez Mortgage Co states that I am missing a payment but the money has been deducted from my account when I try to call I get fast busy signal Payment out of checking account XX/XX/XXXX, XXXX On XX/XX/XXXX, at XXXX XXXX, NewRez Servicing XXXX wrote : This is a courtesy reminder that Newrez does not have a record of receiving your current monthly payment. If you have not done so yet this month, please sign in to your online account to make this payment as soon as possible. You can also call us at XXXX to make your payment via the automated line. 

Sincerely, Newrez Servicing