davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

i asked the JC Penny store employee if there were any instore coupons i could use for my purchase, she said no but said if i sign up i can save on my purchase, i was under the impression it was a rewards program i was signing up for, a few mins after i left the store i received notice on my phone my credit was ran by JC Penny, i then called called JC Penny and explained the employee never explained that it was a credit card or i would never had signed up because i don't frequent the store enough to want a credit card from the store i thought it was a rewards program, so when i got the notification on my phone asking if i tried to apply for credit i checked no.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

I've tried to open a checking account at a local XXXX but the associate mentioned he was not able due to a popup error about a block requested by TD Bank. I don't remember having any issued with TD Bank while having this account in 2016.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (NY)

I filed for bankruptcy in XXXX of 2018 - it was discharged in XXXX of 2018. I still have 2 companies reporting open accounts for items that were included in this bankruptcy. They are correct with XXXX  and XXXX   but Experian will not correct it on their report. I have filed a dispute with Experian, and written 3 letters to the creditors trying to get this resolved. The two open tradelines are XXXX and XXXX XXXX, both were discharged through bankruptcy. I feel that I am being discriminated against as I have tried numerous times to correct these issues and they have been ignored. I want both of these tradelines to show closed and discharged through my bankruptcy instead of showing as open and collections. People file bankruptcy for various reasons and in my case it was due to divorce, I am trying to resolve my financial issues and having these two incorrect items on my report is effecting me to recover from this situation. Please have Experian correct my credit report immediately or I will have to seek legal counsel.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

Stearns Lending, LLC Loan Number XXXX Close of Escrow was XX/XX/2015. 
Amount involve is {$370000.00}. 
Loan amount was paid by escrow XX/XX/2015. 

No Reconveyance Deed recorded as of today.
Consumer complaint received 2020-02-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Back XX/XX/XXXX I filed a complaint with you because my morgage payment had been messed up since XXXX of XXXX. According to my complaint and you sending in to ditech it was supposed to be corrected. Well here we are again and its the same exact thing as the previous complaint. It currently shows that I am behind on my payment which is not correct. It states my last payment was XX/XX/XXXX which was when they supose to have corrected my account. I made a payment on XX/XX/XXXX and XX/XX/XXXX but it does not show this. This is the exact same thing that has been happening every since last XXXX. It's so frustrating. I just want this to be fixed correctly, although it is a clear as glass that even management doesnt know what they are doing. I just dont know what to do anymore. The one thing I can tell you is that I dont have that kind of money to make 2 payments when I have been paying all along.
Consumer complaint received 2020-02-10
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. (NC)

On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Transunion Credit report. Transunion has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

At the time of our application XXXX XX/XX/2020 ) were told the minimum credit score requirements for loan approval were XXXX. As we went through the application process, required repairs had to be made in order for the loan to be considered and approved. Since we were planning on utilizing funds from the XXXX to complete those repairs we had to use alternative financing ( credit cards ). After many delays due to supply chain issue 's because of COVID repairs were finally completed, we notified our loan officer XXXX XXXX 2020 ) and we were able to continue the loan request process. We received conditional approval XXXX XX/XX/2020 ). The home was then appraised, we received notification the XXXX  was in final review and we would be contacted shortly to schedule a closing. I was notified at midnight by email that we no longer qualified because of credit score had fallen ( due to high credit card utilization ) below the new requirement of XXXX. We were 100 % misled the entire time. 

At NO TIME were notified of the new requirements or even contacted that the second credit pull would be completed. Had we been given the information of the new credit score requirement we could have made different financial decision to avoid this unfair outcome. 

We contacted CITIZENS and requested an exception. The request was sent to the manager, it has been over a week since the request and they are now no longer communicating with us, we can not get anyone to return our calls or respond to emails.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

Mortgage servicing complaint against Roundpoint Mortgage Servicing Corporation. XXXX personal complaint with CFPB about Roundpoint in two years. In each incident Roundpoint has failed to cashed mailed payments on timely basis. I strongly suggest the regulating agency that is responsible for conducting audits pay a visit to Roundpoint. Roundpoint failed to return phone call " immediately '' as their voice response system stated. 5 days latter I phoned Roundpoint and waited 1/2 hr. on hold to speak with customer service rep in XXXX TX. Rep. informed me Roundpoint had not received payment and late charge was automatically charged. Rep. offered to take a courtesy ACH payment over the phone, I agreed. I shared past experience with XXXX the personal check that was not received was then cashed on the same day as the day the courtesy ACH payment was made. Rep. did look at my payment history and decided to waive late fee. Seriously this does n't pass the smell test, something potentially bigger then lack of execution between the lockbox services they have outsourced with XXXX and Roundpoints internal IT is happening. The leadership is either aware of the problem or they need to be made aware of the problem or they do n't care, could be the culture of the organization. XXXX XXXX had a saying, its ok to make a mistake because we can all learn from our mistakes but if you commit the same mistake twice your doomed to fail.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theftt Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2020-02-10
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. (AR)

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

called XXXX to lift my credit freeze for a mortgage loan credit check and was unable to log on with my user name and password that worked the first week of XX/XX/XXXX. called the help line number on the log in page and it took over 10 minutes to navagate the phone tree and it hung up on me several times trying to verify me but i finally got in to talk to a rep. the first lady was hard to understand and she was again trying to verify my accounts before she could help. got to the last step and she asked about a balance on my credit card and it told her XXXX but she kept saying back XXXX cents and then said since i could not verify the dollar amount she hung up. then i called again and had the same experience with that lady and the language barrier so i asked her for her name or employee id number and she would not give it to me so told me to transfer me to a manager and she hung up on me. contact info is required by law i believe ... 
called again and got another person who would not transfer me to a manager and tried every way to not do it. i kept asking for her name or employee ID and she would not give it to me so i asked for a manager and she actually transferred me. the manager verified my account info and helped me but i told her i wanted to file a complaint against the first two people and she did not know who they are even though they were both into my account and i know they have to track that access as required by law. so she was hiding that fact and that is why i am submitting my complaint to you.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (NC)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Select Portfolio Servicing bought my mortgage from my previous mortgage lender XXXX XXXX on XX/XX/2019. Right away, SPS they told me that I had not made a payment for XX/XX/XXXX to XXXX XXXX, and that I was already behind. 

I contacted XXXX XXXX to make sure they processed my XX/XX/XXXX payment and that all previous payments were up to date. XXXX XXXX sent me a copy of all transactions showing that everything was fine, including my XX/XX/XXXX payment. 

SPS has decided, even with a copy of the transaction from XXXX XXXX and my personal bank statement showing the transaction, to Not recognize the payment to XXXX XXXX XXXX. 

SPS has also inflated my escrow monthly balance to XXXX. The tax amount on my property is {$1100.00} annually, and my insurance is about {$1100.00}. I have asked SPS for documentation for the escrow overage, but they will not provide me with the documentation as of today. 

I had made a payment ( s ) to SPS in the amount of {$1000.00} in XX/XX/XXXX and another payment in the amount of {$1000.00} in XX/XX/XXXX.

I received a notified letter from SPS over the weekend, that my loan is in default, so I am seeking help. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (IN)

Hello I had a prepaid card XXXX NetSpend prepaid card in XXXX till XXXX my card was stolen by my X boyfriend he stolen used it stolen my money out of the account. I made police report and send it contacted there team manager. I gave them the police report Numbers CAD. What's was stolen out my account well I never gotten my money back put into the account. I just order on a commercial on T.V and Brink Card and they mailed to me didn't know it's with NetSpend false advertising what's they done to me had an checking account. I do have it and I called the back of the card. That man from another country and all taped recorded when I gave him my name and social information mailing address I just got it in XX/XX/XXXX. He told me you can't used this card your at Risk I said what I ain't ever had no Brink Card and didn't know this with NETSPEND CORPORATE. I am a victim that my money was stolen out my account and even used a credit with that XXXX  Prepaid card I still have never gotten my money back that was my Government Income and I reported that to the Social Security Administration Office and they said the bank still owes me back my money he stolen that's a Financial Crime was done to me that man stolen my whole purse ID Card, Social Card and Birth Certificate Money I had in my purse and the police still ain't arrested that man and the woman I found out who fake there was me getting stealing my money out that account couple years ago no respond back at all. I do have the police reports to. He used my debit card to get his cell phone on and more to.
Consumer complaint received 2023-03-23
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. (NJ)

To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Consumer complaint received 2020-02-10
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. (AR)

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX {$3500.00}
Consumer complaint received 2021-04-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

This is a new complaint to follow up on previous claim ( XXXX ). 

SunTrust Bank ( Now Truist ) responded by filling a Fraud claim with their fraud department and notifying me on XX/XX/2021 with the fraud case number ( XXXX ) and that they will update me within 15 days. 

The case involves a reissued Escrow check that was allegedly mailed to me however was cashed by another individual. 

I received a copy of the cashed check from SunTrust on XX/XX/2021. The endorsement on the back of the check ( bank routing number ) indicated that the check was deposited via ATM of XXXX XXXX XXXX XXXX ( XXXX ) bank account. I verified the information with XXXX  and they confirmed routing number belongs to them. I included that information in the police report which I submitted to SunTrust and XXXX. 

Since I haven't heard any follow up regarding the fraud claim, and after may attempts I was able today XX/XX/2021, to get through after 2 hours on the phone to find out that they send an affidavit ( which is the next step after initiating a fraud claim ) to the involved bank, supposedly XXXX  ... however they sent the affidavit to ( XXXX  XXXX XXXX )! which has nothing to do with cashing the check nor do I even bank with. 
I can't get through to anyone who is in charge to talk to and follow up. Every time is a struggle to communicate with them, the only good thing is the customer service representative who assisted me finding the information today about sending affidavit to XXXX  XXXX XXXX. 

I fear that they will close the case with no resolution due to their incompetency and inability to even read their own documents ( endorsement on the back of the cashed check and run a simple Bank Routing Lookup ) not alone my police report, and I will be out of my money ( {$690.00} ). 

In the meanwhile, from my communication with XXXX, they are waiting to receive commination from SunTrust to start the process at their end. 

I am at the end of my rob here and not sure what to do?
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX and XXXX lates as a one time goodwill adjustment.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (DC)

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( SANTANDER CONSUMER USA ) ( Account # XXXX ) ( opened on XXXX XXXX ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( SANTANDER CONSUMER USA ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.