davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

See complaint XXXX. 
Citizens opened a windstorm policy for $ XXXX at $ XXXX. My mortgage is for only $ XXXX ( current balance is about $ XXXX ). Why did they open a policy for more than the loan and why did they back date it XXXX months? 

Please reopen this complaint! 
Thanks. 
XXXX XXXX
Consumer complaint received 2021-06-08
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: Credit Karma (NY)

on XX/XX/2021 I logged into my credit karma account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from XXXX XXXX. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on Credit Karma. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

Original Debt was from XXXX XXXX. One line of four ( verified not used in a year by XXXX and Diversified Consultants ) not closed out when I switched to different carrier. Collection agent confirmed. Original debt was XXXX. 

Diversified Consultants, Inc. collection company received account. Negotiated and paid a settlement of XXXX paid in two installments. Diversified Consultants representative XXXX XXXX is the agent I worked with. Received confirmation that debt was settled and account closed on XX/XX/XXXX. On XX/XX/XXXX I received another bill ( collection ). There was a one digit change to the original account number XXXX to XXXX. Supervisor claimed it was for another line ( sub account ). Never received any other bill from XXXX. 

Contacted by Diversified Consultants and told them the original debt was paid. Supervisor interrupted and claimed what I payed was a sub account and this was different. Willing to take all steps necessary to end this.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

I have a charge of XXXX deducted from my debit card from experian credit reports on XX/XX/2020. I didnt authorize or Sign up for this. Therefore i want it off my Card asap!
Consumer complaint received 2018-12-19
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: LEXISNEXIS (PA)

LexisNexis has yet to provide any proof of any claims valid or accurate as claim by LexisNexis. My next issue is they claim there a reporting agency in which factor. I have yet to see any proof of gather information as stated by LexisNexis. Its all words with no documents to back up as there claims. CFPB # XXXX I did not agree or sign or give LexisNexis permission to run or check my credit for nothing or any other claim by them. I need proof of my signature as stated by XX/XX/2018 claim not some XXXX reply that has no documents to prove as stated. I don't want to hear a bunch of lies and XXXX  by LexisNexis or some run on line show proof or I'm in the process of filing a law suit on LexisNexis.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX  nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.
Consumer complaint received 2018-05-20
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. (MI)

XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I was induced to apply for and purchase an American Express Gold XXXX credit card by an Amex employee who promised that I would be able to use the Gold card with a temporary/instant number, which was a lie and two charges were declined. The merchant told me personally that no charges went through. I want Amex to cancel the Gold Card, not charge/refund the annual fee, and rescind the hard credit inquiry. Basically reset to before Amex induced me to apply for the card. Amex refuses to do so and takes no responsibility for its misrepresentations and harm to my credit rating.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX , OH  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have tried several times in the last three weeks to get my annual credit report from Experian. Each time, Experian immediately indicates that I have to send the request by mail ( it does not ask any questions, or give any reason ). I do not like sending sensitive mail by post, and would like to just download my report. I believe Experian just does this to discourage people from requesting their reports.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (WA)

- I initiated a wire withdrawal from Gemini Trust Company , LLC ( Gemini ) for the amount of {$10000.00} on XX/XX/XXXX. Gemini sent confirmation of having received the request and that it was " initiated '' on the same date, and that it would " arrive within one business day. '' - Two days later, XX/XX/XXXX, Gemini sent a notice saying that the withdrawal had been " sent '', and that the funds would arrive in the receiving bank account " shortly ''. 

- One day later, XX/XX/XXXX, I made a support ticket on the platform requesting assistance as the promised funds still had not been reflected in the intended receiving bank account. 

- One day later, XX/XX/XXXX, a service representative replied to the ticket asking if I still had not received the funds. After confirming that I had not, they said that the support request would " need to be escalated to another team so that they can take a closer look ''.

- Four days later, XX/XX/XXXX, I posted about my specific issue on an external platform monitored by the company and was able to get ahold of another service representative. The rep told me that they " sent this over to the right team so they can take a look at this. ", and to message them again if I still had not heard from anyone in two days time, on XX/XX/XXXX. 

- Two days later, XX/XX/XXXX, there still was no official update on my issue through email so I notified said rep about this. They apologized for this and then said that they " went ahead and escalated it. ''
Consumer complaint received 2020-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I purchased a home through XXXX Mortgage in XXXX of 2019. When I did I paid a years homeowners insurance in advance so my escrow would build during that time. Upon closing, XXXX sold my loan to PennyMac. I never made any payments to XXXX except at closing. I called to report a claim on XXXX that our shingles had blew off at which time our insurance company ( XXXX ) told me our insurance had lapsed on XXXX because they had not received payment. I then called PennyMac who told me they couldn't make the payment because XXXX didn't give them the information. The money was in escrow and no one contacted us to tell us there was an issue. I had to pay {$9000.00} out of pocket for roofs on my house and garage because the mortgage company was negligent.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX  Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} $ XX/XX/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 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

This is my second complaint to the CFPB regarding Synchrony. The problem has not been resolved and continues. The first complaint was closed because it said the company responded. In actuality, the only response I got was that they were looking into it. No resolution. Here is the problem that continues : I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to for interest income. This is in their financial interests, not mine, and breaks their user agreement.
Consumer complaint received 2022-06-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (FL)

My husband and I have been trying to purchase a home for over a year. XXXX year ago, we were unable to obtain a loan with 100 % financing. In XXXX of 2022 we contacted a realtor to try for a second time. Our realtor informed us that he knew of a lender with a 100 % loan program. We spoke with the lending officer to inquire about the loan program he informed me that part of the loan would cover the down payment and part goes to the closing cost. 

An application was taken, and he informed us that everything looked good and we were pre-approved. 

Because we are first time home buyers, we trusted him. During the entire transaction, he kept saying dont worry everything is going to be fine. He also stated we will get serval forms just sign and return. Also, when we asked about the high numbers it was the same responds dont worry it will improve at closing. 

He never locked in our interest because he was expecting interest rates to improve. At that time, we had no idea of what lock-in was all about. As former XXXX XXXX lock-in had a completely different meaning. 

Our biggest mistake was trusting him. We were desperate to move to close since our lease was about to expire and we had handed in our intent letter we felt like we needed to move forward. 

In short, we expected to go to closing with no additional money and expected our monthly payment to be XXXX less than what he got us. We believe that he has deliberately taken advantage of our situation for his own personal profit. We also believe he took advantage of us due to our race, age and lack of experience with financing.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WLCC (CO)

I am the employer. Received a call from a debt collector to implement a garnishment on one of my employees. They did not give a persons name. Asked for an email address to send this document to. Received an email from XXXX. Letter was from XXXX. Googled apex servicing and found a post from Washington State Department of Financial Institutions stating Apex Servicing is not a licensed debt collector and to beware. Very similar contact info in that post from Washington government. Looked up phone number to XXXX XXXX XXXX XXXX is legitimate. XXXX XXXX says something about collecting debts on behalf of XXXX XXXX. This seems to be illegitimate.
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (SC)

I have contacted XXXX XXXX directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
Consumer complaint received 2018-10-17
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: WELLS FARGO & COMPANY (TX)

been battling XXXX  and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I was a victim of fraud on my business account in the amount of $ XXXX Navy Federal Credit union is being investigated by cfpb for their conduct and failure to act in a proper fiduciary manner and refused of accept the determination by law enforcement and has continued to block a resolution. On XX/XX/XXXX i contacted collection and was advised that a Stay was on this account until cfpb completed its investigation. I received a letter from NFCU collection dated XX/XX/XXXX and postmarke XX/XX/XXXX advising me that unless i made arrangements with them regarding the balance of the debt $ XXXX that they would close the account. They closed the account on XX/XX/XXXX despite both the Stay and that they sent it after the deadline. I received this letter on XXXX this is an intentional breach of proper notice as well as mail fraud. My account is in collection and all of my correspondence '' evidence '' has been deleted by NFCU as well as I have no access to the account to do my XXXX taxes. I have been disconnected by NFCU in the last 24 hours 5 times. Account XXXX XXXX acct # XXXX. NFCU should reinstate the account until the investigation is complete and at that point if I have any liability I will address that. The damage to my business reputation credit worthiness and the failure on NFCU to their fiduciary obligations and legal protocol is unprecedented. They even took my unemployment payment and refused to provide me a list of protected funds. Help