davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I called Citizens One to discuss the Covid relief program and was told the deferment plan would allow you to skip a payment for three months, then you would resume the mortgage payments and if additional assistance was needed to contact them. 

I received a letter dated XX/XX/XXXX - regarding my request for loan assistance and the implementation of a 90 day forbearance of my loan with the ability to extend, if NEEDED. 

I received a letter dated XX/XX/XXXX stating my forbearance plan is ending soon and that the payments that were not received will become due unless other arrangements are made. 

I then received a letter dated XX/XX/XXXX stating that they could not reach me and that they would be extending the forbearance plan for an additional 90 days. I called and told the loss mitigation department I did not want an extension, and was told they had no control over the situation. 

I received a letter dated XX/XX/XXXX regarding a partial claim modification and on XX/XX/XXXX I contacted the Loss Mitigation department regarding the letter about the foreclosure prevention option : Partial claim. I stated that I did not want to participate in the foreclosure program and I wanted to pay my loan up to date. I was given the amount of {$3700.00} and paid it on this date, bringing it current. I told the loss mitigation department that I wanted a letter stating that I am no longer in foreclosure and that my loan is current. I was promised that I would receive such letter, to date I have yet to receive such a letter. I was also reassured by this department that my payments would resume by automatic draft as they were paid before. 

I received a letter dated XX/XX/XXXX - which stated that my forbearance plan is ending soon, it was the exact letter dated XX/XX/XXXX. 

On XX/XX/XXXX - I called the loss mitigation department to make a payment for the month of XXXX, since this is the only way I can make a payment. I was told that I did not owe a payment and am currrent. I also inquired about the letter stating I am no longer in forbearance and am current and was told it would be coming some time this week. 

I called Citizens One on XX/XX/XXXX and a young lady in another country looked up my information and told me my payment of {$880.00} was in suspense and she didn't know why. I explained to her that the loss mitigation told me on XX/XX/XXXX that I was current. She had no explanation. I explained to her that my Citizens One mobile app stated that I am past due. The young lady asked me about refinancing, I told her I did not request to refinance. She said it was mentioned in the paperwork.
Consumer complaint received 2018-04-30
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. (MO)

XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect. 
2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Consumer complaint received 2022-06-13
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank decreased my credit limit from {$13000.00} to {$1000.00} without notice although I have never missed a payment and have a credit score in the 800s. I found out about this action when planning to use this card for a large purchase. This unfair action negatively impacted my credit utilization ratio without my knowledge, and is a harsh action to take during a pandemic. I spoke with a representative on XX/XX/2021 and requested written notice of why this significant change, resulting in a reduction of {$11000.00} of my credit limit was taken. I was told it was because I hadnt used the card for a while. I explained that my use of the card declined due to the stay- at- home order because of the public health crisis. Based on my solid credit profile, I requested my credit limit be reinstated and I not be punished for not using this card during a pandemic. I was told I would have to reapply which will generate a hard inquiry and another negative impact on my credit score. Synchrony should not be able to make such a significant change to our agreement without notifying me of this severe credit limit reduction that has negatively impacted my credit score.
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (VA)

Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Consumer complaint received 2020-07-26
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. (FL)

XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on XXXX & nothing reported at all on Transunion at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX TRANSUNION XX/XX/XXXX XXXX. PAYMENT STATUS How can I be late 120 days on Transunion and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF EDXXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX XXXX  SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!
Consumer complaint received 2020-09-10
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. (CA)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus .

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.
Consumer complaint received 2022-07-22
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account below : XXXX XXXX XXXX Balance {$1000.00}
Consumer complaint received 2018-12-13
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)

I have been the victim of identity theft the following inquiries are unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-04-30
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. (GA)

The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to Equifax a {$700.00} balance. I can not believe Equifax would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want Equifax to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX  XXXX XXXX.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TX)

XXXX  XXXX XXXX and Citigroup are dictating to companies who they will or will not do business with based own these banks views of gun rights and the XXXX XXXX XXXX. These multi-billion dollar Banks that were bailed out from financial collapse with American taxpayer dollars now feel they do not have to follow the laws set by Congress and our constitution and can discriminate on certain companies with their on policies. This is a dangerous precedent.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Automatic Data Processing, Inc. (CT)

I have funds debited from my paycheck to fund a Flexible Spending Account ( FSA ) account with ADP Total Source. They outsource the FSA administration to XXXX XXXX  a third party vendor. During the XXXX -XXXX year ending XX/XX/XXXX I spent {$2700.00} in covered expenses that I submitted to XXXX XXXX on XX/XX/XXXX for payment. They confirmed receipt but then stated they needed a claim form with the documentation by XX/XX/XXXX the last day to file claims for the prior year. I filed the claim form as requested on XXXX. I have all these facts documented. 

I called multiple times and was told it was being processed yet I never received the funds or a call back from XXXX XXXX. They had system problems the prior year so i was patient until XXXX when I put forward a written demand for payment to both ADP and XXXX XXXX  with all the associated documentation. ADP called back and said they would investigate and respond but they never did. No response was ever received from XXXX. I attempted to contact a specialist in XXXX but there were no points of contact listed and staff there never returned the messages from the call center. So I began investigating and found that XXXX has a documented pattern of complaints like mine. I believe that they may be intentionally holding my money and engaged in improper behavior while purposely holding funds that are not legally theirs to hold. 

Since they refused to respond to repeated requests including a demand letter and still hold my money with no written explanation i believe that both ADP and XXXX XXXX  must be held liable for their inappropriate actions and failure to respond. I have so much documentation that I will choose the most pertinent ones to substantiate this complaint. 

I request that you please hold them accountable for returning my money ( {$2700.00} ) and also investigate them further for a pattern of ongoing behavior that is not acceptable. 
I am glad CFPB is dedicated to consumer issues such as this. Thank you. 

XXXX XXXX
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NH)

My home was unlawfully foreclosed on by Caliber Home Loans and XXXX XXXX XXXX XXXXt. The foreclosure should not have taken place as foreclosure paperwork was fraudulent in there was no disclosure of change of ownership. This change of ownership was no disclosed to the court. Additionally this is an unfair debt collection practice by the firm that represents Caliber Home Loans. In the case involving this particular assignment, evidence has surfaced that shows the XXXXXXXX XXXX XXXX XXXX  is in fact not a trust holding beneficial rights to the Defendants loan, but rather it is an undisclosed Participation Agent for yet more undisclosed investors. In essence, the named assignee and Plaintiff in this case, XXXX XXXX  XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX  is nothing more than a sham
Consumer complaint received 2022-06-16
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. (AZ)

My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. I've filed a police report with the XXXX XXXX Sheriffs office ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. They wont remove the disputed account, but they acknowledge that my identity has been stolen by putting an identity theft alert on my file. I have followed all steps to get the credit bureau to remove these fraudulent account, but evidently they're slow and don't know that when a persons identity is stolen ; thieves steal a person 's identity and use it to open up accounts in that persons name, thus the information will be correct when you verify it with the company. 


The following hard inquires are false and are a direct result of identity theft : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Can I get some assistance in this matter
Consumer complaint received 2020-07-26
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: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.