davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (MD)

During a loan modification after a forbearance period ( both covered under CARES act ) the mortgage company reported late payments to the credit agencies. When I disputed the report and stated that the modification period was covered under the cares act, the company denied my dispute. All details follow : Date : XXXX XX/XX/XXXX. 
-- >Initial request previously sent : XXXX XX/XX/XXXX. 
-- ->Denial of request received by phone on XXXX XXXX. 
Company : Shellpoint Mortgage Servicing ; XXXX XXXX XXXX ; XXXX, SC XXXX. 
Subject : Dispute of credit report information and request for credit correction, in compliance with the CARES Act. 
Account number XXXX. 

My account was incorrectly reported 30 and 60 days late for XXXX and XX/XX/XXXX ( see page 4 of attached credit report ). My CARES act COVID-19 related forbearance ended in XXXX. I had already applied for loan modification which was approved on XXXX XXXX ( attached ), which qualifies as a protected accommodation under the CARES act.

-- Excerpts from attached Consumer Financial Protection Bureau ( CFPB ) CARES Act FAQ and Statement on enforcement --.

The CARES Act addresses accommodations to consumers impacted by COVID-19. For purposes of the CARES Act amendments to the Fair Credit Reporting Act ( FCRA ), an accommodation includes agreements to modify a loan.

Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation : if the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. 
-- end excerpt --. 

Records of the trial payments ( from XXXX onward ) were previously submitted and are again included here. I now have completed the loan modification, as of XXXX XXXX. Documentation is attached. 

I initially requested this to be fixed on XXXX XXXX ( record attached ), and was told that it would be fixed once my modification is complete ( it is complete now ). I made a second official request by email and by the mortgage company 's online form on XXXX XX/XX/XXXX ( record attached ). 

Attachment 1 Credit report, reference page 4.

Attachment 2 Loan modification request approved/initiated, XXXX XXXX. 
Attachment 3 Records of the trial payments ( from XXXX onward ). 
Attachment 4 Loan modification complete, XXXX XXXX. 
Attachment 5 Initial request for credit report to be fixed, XXXX XXXX. 
Attachment XXXX Second request for credit report to be fixed, XXXX XXXX. 
Attachment 7 Consumer Financial Protection Bureau ( CFPB ) CARES Act FAQ.

Attachment 8 Consumer Financial Protection Bureau ( CFPB ) Statement on enforcement.
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (GA)

Ive contacted Experian about the XXXX XXXX Account number : XXXX that was added to my report without it being verified I sent several letters in XXXX and submitted my first complaint in here on XX/XX/XXXX it is complaint number XXXX another complaint on XX/XX/XXXX where I am detailing the horrible experience Ive been having with this Bureau after the information was verified, according to the Bureau, I reached out to the debt collector and they said that they documented my dispute with The Bureaus and they were NOT able to verify the information and even requested a deletion from the Bureau. Experian has since deleted this account however they HAVE NOT informed me that they account was deleted and why even though I have documentation the Bureaus have a responsibility to inform me of the dispute process which they have FAILED to do. Yes the account was since removed but I need documentation on why its being removed, and not a magical removal where they act like the account was never on my report. This is the third time Experian has denied this account ever being on my report. I have a letter from Experian which I will be attaching concerning this account and my most recent report where the account is NOT there but no explanation given of it being deleted!
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX XXXX DOLLARS WAS TAKEN OUT OF MY CITIBANK ACCOUNT USING XXXX. I IMMEDIATELY NOTIFIED CITIBANK AND TOLD THEM NOT ONLY WAS THIS NO ME BUT I DO NOT HAVE AN ACCOUNT WITH XXXX FOR CITIBANK.THE PERSON I TALKED TO SENT A REPORT TO THE FRAUD DEPARTMENT AND PUT THE MKONEY BACK INTO MY ACCOUNT.AND TOLD ME I DID NOT NEED TO CLOSE ACCOUNT EVERYTHING WOULD BE TAKEN CARE OF. 

XXXX THE SAME PERSON TOOK OUT XXXX AND ANOTHER XXXX USING XXXX AGAIN. I PUT A HOLD ON THE ACCOUNT AND 2 DAYS LATER WENT TO THE BANK IN PERSON CLOSED THAT ACCOUNT AND OPENED ANOTHER ACCOUNT. THE BANK FILED ANOTHER REPORT WITH THE FRAUD DEPARTMENT, PUT MY MONEY INTO MY NEW ACCOUNT. 

NOW JUST THE OTHER DAY CITIBANK IS CALLING ME SAYING I HAVE A XXXX OVERDRAFT. MY 1ST ACCOUNT WAS NOT CLOSED AFTERALL AND THE SAME PERSON TOOK OUT ANOTHER XXXX THROUGH XXXX. 

ALL THE OTHER WITHDRAWLS WERE NOT PAYED THE XXXX, AND XXXX, WERE NOT PAYED OUT BUT THIS LAST WITHDRAWL WAS PAID. 

NOW I HAVE USED THE MONEY IN MY NEW ACCOUNT GOTTEN RID OF EVERYTHING FROM OLD ACCOUNT AND CITIBANK IS CALLING ME FOR A OVERDRAFT ON THE ACCOUNT I CLOSED. 

ACCORDING TO THEM THAT ACCOUNT WAS NOT CLOSED BECAUSE OF THE INVESTIGATION. I TOLD THEM TO FILE ANOTHER FRAUD. 

CITIBANK CALLS AND I WILL NOT TALK TO THEM. I GET TOO UPSET. I HAVE NEVER HAD THIS KIND OF PROBLEM WITH CITIBANK AND I USED THEM FOR OVER 15 YEARS. EVERYTIME I'VE TALKED TO SOMEONE, ITS LIKE THEY'RE EITHER HARD OF HEARING OR NOT LISTENING TO ME AND I'M TIRED OF THEM. SO I'M FILING WITH YOU THEN I TALK TO MY LAWYER. THEY HAVE TO UNDERSTAND ONE OF YOU.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I opened a One Deposit checking account with Citizens Bank on XX/XX/2018. It's been 90 days since my deposit and I haven't been awarded the {$200.00} bonus. 

I also made three online bill payments and did not receive a {$50.00} bonus as stated in the mailer that I was sent.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (VA)

I quit my pt job with XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. Hired by XXXX, XXXX XXXX in XXXX. I never asked for a paycheck card. The company did this when I wanted to use my own account. I was told it charges alot of fees. Anyway when I quit last month, I asked where was my money. It was on XXXX XXXX XXXX XXXX XXXX XXXX. I got the money but in checking my balanced it said if you dont cancel fees would continue to be charged. So with XXXX left on my card, I called XXXX XXXX to ask XXXX and XXXX to cancel my card. They said they could not. Both sound foreign or something not right. 

My card number XXXX XXXX XXXX XXXX 3 digits on back XXXX XXXX email XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX Why would XXXX provide these fraudulent cards to employees and tell you that you might not get all your money off the card. Online people have lost whole paychecks. so I'm lucky I got my money but why do they need to keep my card active. I dont work for XXXX anymore please advise. Thank you.
Consumer complaint received 2018-10-29
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. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-13
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-25
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXBankruptcy XXXX  XXXX.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

XX/XX/2022 Company decreased limit by XXXX XXXX before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. Company doesn't even have a document regarding this decrease in my account.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by BANK OF AMERICA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by BANK OF AMERICA. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with BANK OF AMERICA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2023-03-21
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

XXXX transferred my mortgage to PHH. I attempted to set up a web account with PHH several times - each time they stated that our loans weren't transferred in yet I should wait. On the last day that my mortgage was due for XXXX I was forced to make a payment by phone and was charged {$7.00}. I was told that I wouldn't be charged. I spent hours and hours on the phone with them and they will not credit my {$7.00} back. They took my XXXX payment by phone and say that is compensation but it is not compensation - by then I could have made the XXXX payment by phone. 

They are extremely difficult to deal with and do not even speak XXXX well enough to understand what I am saying. They will not credit my {$7.00} back. 

Now they deleted my loan from their system. XXXX
Consumer complaint received 2019-01-10
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. (TX)

Transunion this is a request as to why my credit score went down when I made a payment to decrease the total, please explain to myself and the CFPB. is this because Im in dispute with you, please respond in a certified testimony for I may file a court case against you for Subterfuge of this report CFPB this is a way to manipulate consumer credit and financing, I can not see a clear reason for lowering a score when paying down an account, CFPB please investigate this reporting
Consumer complaint received 2019-05-09
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. (NY)

Good afternoon, My servicer XXXX, XXXX XXXX XXXX, sent me mailing about my deferment ending. I called in and spoke with a representative in XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into XXXX and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XXXX, XXXX, and XXXX. This needs to be corrected immediately.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have written letters to EQUIFAX andXX/XX/XXXXin compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX, my wife and I reviwed our statement from Barclaycard covering the time period from XX/XX/XXXX to XX/XX/XXXX. The statement was XXXX pages long and included many transactions that were repeated XXXX or more times as credits to the account and then as debits to the account. And, the original dates of some of the transactions went back months before the statement period but then showed new posting dates within the statement period. We each called Barclaycard several times over the next couple of days to ask for a new, accurate statement. They did not provide a new statement. Instead, they sent additional copies of the same statement. They promised us that they would not charge any interest or late fees on the account until they were able to provide us with an accurate statement. We have called to follow up at least once per week for the last month. Barclaycard promised that with our next monthly statement, they would correct the problem. They did not correct it. Instead, when we received the statement covering XX/XX/XXXX to XX/XX/XXXX, it had similar problems with mulitple transactions repeated as credits and then as debits to the account. It also showed a large interest charge. When we called to complain, they claimed that the interest charge was removed and promised to send new, corrected statements for each of those two months. They sent new statements but they were exact copies of what they had already sent us. We called to complain again and they said that the problem was being reviewed and they could not tell us when it would be resolved. They again promised not to impose any interest or late charges and agreed that we had no way to accurately determine what we owed- but it is not clear if they will follow through on those promises. More than a month and two billing cycles strikes me as an inordinate amount of time to correct inaccurate billing statements and provide accurate ones. They have claimed this was all due to a system upgrade and we have talked to several supervisors, but there is still no resolution or timeline for a resolution. I don't know how to get them to provide accurate billing statements so that I can pay what is owed other than raising this complaint.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

NOTICE OF COMMERCIAL LIEN INTENT!XXXX XXXX XXXX XXXX XXXX HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,