davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (TX)

I have a Fannie Mae loan with Click N Close Mortgage, Formerly XXXX Mortgage. In XXXX we came out of a one year XXXX XXXX. They had me do 3 months of probationary payments which I had to do over the phone, with no internet access to my account. At the end of the probationary period they offered me 4 choices on how to proceed as were allowed by Fannie Mae. I chose to do a streamline modification. After many mess-ups on the part of Click N Close we got it fixed. During that time they reported me as negative credit although they were not supposed to. This was on 2 previous complaints that I have filed with you. Both times they did it, it got resolved. On the paperwork signed for the streamline modification it stated that my payments would be {$2700.00}, Which what my payments were before going into XXXX XXXX. I inquired about escrow, because I knew that my taxes have gone up a bit. Not much. They said it was taken into consideration and everything was fine. Two months later they dropped my payment to {$2400.00}. I, once again, contacted them to make sure it was correct. They assured me it was. This month on XX/XX/XXXX I went online to make payment, and my payment has jumped to {$3300.00}. A difference of {$850.00} a month. I called customer service to find out why. I was informed that the did a new escrow analysis, and I have to pay this amount for the next 12 months to catch up the escrow account. This is a hardship on me that I can not afford, and none of the paperwork I signed stated anything about an escrow shortage. When they did my streamline modification they didn't include escrow, so my escrow account started out at {$0.00} in XXXX of this year. Under the guidelines that I read it should have been included and all that was happening was They were adding years on to the end of my mortgage. I'm tired of them doing these things to me. This has been overwhelming.
Consumer complaint received 2021-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (NJ)

When I was presented with my loan estimate, I was told that Gateway would service my loan. In under a year, it has already been sold off. This would normally not be a huge issue. However, I am a property tax exempt XXXX Veteran. The amount of back and forth I had to go through with Gateway was absurd. Now, the new lender is now fighting me on the exception as well. This will now incorrectly raise my monthly payment by almost {$300.00} per month, until this is resolved.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

Citibank is the worst banking institution I have ever used. They allowed money to be stolen from my account. They locked my access to my account. They cut off all my money with no permission whatsoever. They are terrible with customer service. They never handle any of it properly. They make you wait with no information whatsoever. They are a terrible company and it needs to be known just how bad they are.
Consumer complaint received 2023-01-17
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. (IN)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX  written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - TRANSUNION XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 TRANSUNIONXXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Khols called my mothers work. She isnt a co-signer and has nothing to do with my account. They also call at least 15 times a day. They call on weekends, before XXXX everyday and sometimes as late as XXXX at night.
Consumer complaint received 2023-02-10
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Consumer complaint received 2019-09-30
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: Santander Consumer USA Holdings Inc. (OH)

I got my most recent credit score on XX/XX/2019. I have been trying to get my credit back on the right direction. i cosigned for a friend and they turned the car back in to the dealership and stopped making payments. This account is still reporting on my credit and affecting me from getting the house i want and the car i want. I made a mistake cosigning and now i have to suffer and not get the things i want in life. I asked that santanders remove this account because it is damaging my credit and they are reporting inaccurate payment history i sent a letter in the mail on XX/XX/2019 and never got a response. I ask that this account please get removed from my credit file i cant qualify for a car to get my children to school and get my self back and forth to work.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I refinanced my mortgage loan with Mr Cooper ( close date of XX/XX/2021 ). I was told I would receive a refund check for prepaid interest within 21 days. 

After not receiving anything from Mr Cooper, I contacted them ( appx XX/XX/XXXX ) and was told a check has been issued on XX/XX/XXXX. After informing them that I never received the check they said they would place a stop payment on the check and issue a second check via XXXX XXXX. 

After not receiving the XXXX XXXX  shipment I called again. Mr Cooper said they mistakenly issued the shipping tags but did not mail a check. They then asked me to send a copy of a voided check vie email ( which I did on XX/XX/XXXX ) and they would issue the funds to my bank account electronically. 

After not receiving the electronic delivery I called them again XXXX XX/XX/XXXX XXXX. Im getting the run around from this company over a relatively small amount of money. 

I find it ironic that after having a mortgage loan with them ( AND NEVER MISSING A PAYMENT OR BEING LATE ON A PAYMENT ) theyre having such a hard time paying me within the legal parameters to do so.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MS)

My collections account with XXXX XXXX XXXX , XXXX, is incorrectly showing as an open charge-off with a {$0.00} balance, and it is paid in full. I submitted a credit dispute via XXXX, and the information has still not been correctly updated.
Consumer complaint received 2022-07-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NJ)

Some company by the name CREDENCE RESOURCE MANAGE who was previously positing on my account as XXXX XXXX put a collections from XXXX XXXX I have never had an communication with the company in writing or on the phone. I have never received any notifications of collection0s or debt or right to dispute. They are selling my information to multiple companies and placing collections repetitively on my credit report every few months that I am constantly disputing. I also do not owe anything to XXXX XXXX. I have had another cable in my for years I have had T-Mobile as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of this company or received any bills from XXXX XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs and XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Unfortunately, Chase has closed my 4 credit card accounts due to my recent disputes. This has been confirmed to me by the banks ' representative over the phone on a recorded line. Disputing charges is a statutory right under the Fair Credit Billing Act, which is protected by Equal Credit Opportunity Act.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : 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 XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX and XX/XX/XXXX I applied for two separate credit products ( XXXX XXXX and XXXX ). Both were denied due to " not being able to access Equifax credit report/no data returned ). 

This is the fifth time I have experienced this issue. Equifax has eventually resolved it in the past, but it has happened yet again. I have no security or fraud freezes on my reports.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Consumer complaint received 2018-05-14
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. (OK)

The same company named XXXX done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and equifax reported 2 hard inquiries on back to back days.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (TX)

Good Day XX/XX/XXXX I repeatedly try to work out an agreement with XXXX to lower my monthly payments from {$340.00} to a minimum of {$150.00} due to my employment status has changed after my car was totaled. After my car was totaled by the insurance they paid XXXX XXXX XXXX nearly {$11000.00} which left a balance in XX/XX/XXXX. I made a payment in XX/XX/XXXX of {$200.00} a payment of {$150.00} in XX/XX/XXXX also {$150.00} in XX/XX/XXXX ; which does not constitute being more than 30 days late & causing my credit score to plunge. Also I spoke to gentlemen by the names of XXXX ( XXXX ) & XXXX ( XXXX ) back in XXXX & they stated that the last couple of reps never completed what I requested or never have the ability to fill my request of a lower monthly payment. Also my issue with WFDS is that 2 reps before XXXX & XXXX assured me this was something they could take care of ; if I knew from the beginning they couldnt process my request I wouldve had the chance to use another option. But I wasnt giving that opportunity so this is the reason Im disputing. Again this will be the 2nd letter I had to type ; XXXX XXXX XXXX WILL NOT NEGOTIATE LOWERING MY PAYMENT FROM THE INITIAL PRINCIPLE BALANCE PAYMENT OF {$340.00} TO A MINIMUM $ XXXX   MONTHLY WHICH I HAVE BEEN REQUESTING SINCE THE CAR WAS TOTALED OUT IN XX/XX/XXXX. The point is that the reps I spoke to XX/XX/XXXX/XX/XX/XXXX lied & stated that it can be reduced which never happened until I kept getting phone calls from the automated service to call in which caused my suspicion. My issue is how can you still charge the principle balance amount when the principle amount is not there. Also I requested 2x to have it reduced in which I was told by 2 reps it would be completed and it had me under false pretenses that it was completed. Also I never disregard paying XXXX Ive made payments what I could afford ; so they have no legal right reporting me to the Credit Bureaus without at least reducing my payment as requested previously.
Consumer complaint received 2021-07-22
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/2021 I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I demand these accounts be updated as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. I have Attached FTC Report to document. You have failed to Provide Physical Proof of Original Application With my Signature For Validation of this Account. I Demand you to Stop Reporting this Account immediately or I will Seek litigation damages. 

I, XXXX XXXX gives CFPB permission to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.
Consumer complaint received 2021-07-22
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. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

On XX/XX/XXXX I was sick and admitted to the hospital. Afterwards I negotiated the full hospital bill with the billing department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. From {$5600.00} to {$2200.00} I payed in full XX/XX/XXXX in person and received a signed receipt from the billing department saying the bill was payed in full. About 3 months later I received an additional {$220.00} from XXXX XXXX XXXX from that same hospital visit that I had already negotiated and payed in full.