davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

The problem that I'm having with this company is that I cancelled services, paid everything and returned equipment to save money, time passes and when I look at my credit report I find out that there is an account in collections from them stating that I owe them money when I clearly remember making the last payment and returning the equipment, which they're not only charging me for money that I do not owe but they're also reflecting on my credit report which is hurting my credit.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ON XX/XX/2020 I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/2020 NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

Dear FREEDOM MORTGAGE MGR ; I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX and XX/XX/2023 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-04
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. (MD)

This is my SECOND COMPLAINT, and Experian provided a vague generic response without justification and assumptions that it did not appear as if I submitted the complaint, when in fact, I did! Experian previous response ( XXXX ) did not address ANY of the disputes that I attached in my initial complaint! I provided the " Experian Dispute Letter dated XX/XX/2020 '' with specific accounts ( XXXX XXXX DEALER SERVICE ( Individual and Joint ) and (XX/XX/XXXX/XX/XX/XXXX XXXX XXXX ) areas on my credit report that displays inaccuracies and/or incomplete information, which they neglect to verify! I attached the U.S. Postal Service Certified receipt card date stamp by their representative on XX/XX/2020! I attached a copy of my credit report showing the differences between Experian and XX/XX/XXXX, which both have inaccurate and incomplete dates! I requested the source or contact information of who they used or how they verified said information on my credit report! I provided proof of my identity and the Experian response letter dated XX/XX/2020, lacking ANY information that DO NOT support their verification process, and yet, I received a generic response that does not show ANY basis that they lifted a finger to look into my complaint! Then Experian had the audacity to accuse me of using an outside source other than myself, when there is no basis of their assumption that this occurred! I feel INSULTED, BELITTLED, and AVOIDED because they refuse to take the time to verify the inaccuracies and incomplete information using a Metro 2 format ( Record Layout ) and e-OSCAR that I pointed out to them in this complaint that is UNEXCEPTIBLE! They should be held accountable for their indiscretions to properly address the concerns listed in my dispute attachments! I am an XXXX veteran that served 24+ years protecting my country, and I do not deserve to be victimized by Experian. If these accounts are not properly verified per the FCRA, the identified accounts must be REMOVED, and if not, I will escalate this matter to the next level!
Consumer complaint received 2023-03-11
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. (GA)

In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (AL)

Dear Truist, I am contacting you all in regards to my Business Checking Account ending in XXXX. 

I filed a fraud report for the transaction that took place on XX/XX/XXXX in the amount of {$46000.00}. 

I initially reported this transaction on XX/XX/XXXX however I just found out that my claim was never properly submitted and that it never was being processed. I just assumed it was taking a long time given it is a higher amount. 

Therefore, I filed a new claim which is associated with Claim # XXXX. 

In accordance with Truist Bank policy I am hereby requesting I receive a provisional credit for this transaction while it is under investigation within 10 days of this transaction being reported. It was re-reported on XX/XX/XXXX and I have not yet received a provisional credit and hereby request I receive said credit and that it be made permanent after the investigation is complete into this fraudulent transaction. 

Please handle this matter in an urgent fashion given this is a lot of my funds and a significant amount of my account balance. 

In the event I dont receive a provisional credit while this transaction is under investigation I will have to get my attorney to file a lawsuit given I relied on Truist Banks policy.
Consumer complaint received 2021-05-29
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. (VA)

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXXXXXX XXXX XXXX ( multiple ), XXXX XXXX  ( multiple ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (WA)

On XX/XX/21 as a 20+ year customer of the First Technology Federal Credit Union I went to the " XXXX XXXX XXXX '' at XXXX Urban Plaza, # XXXX, XXXX XXXX WA XXXX to request my card to be re-pinned. Both the employee in the lobby and the branch manager stunningly asked me to exit the premises on the grounds that my face was not covered. I informed the branch manager of medical exemption laws and those that prohibit unlawful discrimination. The bank manager even proposed conducting the re-pinning in the public area outside! I informed him that what he proposed was preposterous since it would be highly insecure to share private banking information there. 

Does the CFPB support banking institutions which put unlawful roadblocks in the way of customers who want access to their capital?
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Phoenix Financial Services LLC (FL)

They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX  and XXXX  to remove these off my report and they refuse to do so.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I had filed my taxes. I got counseled to obtain a bank account in order to get direct deposit and to apply to p.p.p. Next on XX/XX/2021 I ask a Citi bank employee if I could open an account at that exact moment. The employee said yes. I got my data and proof. The account was opened with XXXX dollars. In the very early hours of XX/XX/2021 I had deposited a check for {$1200.00} dollars through the app. Also i had direct deposit from my XXXX XXXX job for {$580.00} dollars. Moreover, 5 days passed and my expenses were pilling up because i could not reach my money. So I use the Citi bank app to text to a Citi representative. I had asked why was my check taking so long to process. The person responding had said, it was because I had just opened the account. So I asked if the process would be speedier if I just deposited in person. And please remember this part. And I paraphrase what they said, " it is ok. The check you deposited on the phone will cancel itself. Since they have the same Information. Leaving the current check in my account. '' Next I believed my money was going to be available because i got a a letter from Citi bank. Confirming my money would be available for me XX/XX/2021. But days prior I tried signing into Citi bank app and it said I did not exist. I did not get a letter or a call. I had to borrow money that I do not have in order to travel to a Citi bank and to pay my expenses. XX/XX/2021 the Citi bank closed my account. The Citi employee said the bank would have to see if it was fraudulent money or not. I have not gotten my money, and my expenses are past due. Also my boss showed me the receipt the company has that the check I deposited got into Citi bank. So the bank has my money! What angers me is that I called every resource available to guide me in banking and finance. And it leads me talking to a robot. While they get to use my money! I am poor living check to check. I want to sue them but I am so poor I do not even have money for the paper to print. XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-29
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. (NY)

XXXX will not update the exact accounts as that XXXX has. It's fraudulent activity that XXXX is not updating all the accounts on my credit profile which are current and never late. XXXX update score by approximately 50 petcenr.with the same accounts that on XXXX. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.
Consumer complaint received 2021-05-29
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. (MI)

As of XX/XX/2021, XXXX, Equifax and XXXX XXXX are reporting inaccurate information on my credit file. The following accounts are being reported inaccurately on each credit bureau. 

XXXX XXXX # XXXX XXXX  - 2 late payments Equifax - 0 late payments XXXX XXXX - 1 late payment XXXX # XXXX XXXX  - 3 late payments Equifax - 1 late payment XXXX XXXX - late paymenXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  - 5 late payments Equifax - 2 late payments XXXX XXXX - 1 late payment
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I made a payment on my Citicard account on XX/XX/2021. The payment was adequate to bring my account current. Today is the XXXX and I am still receiving phone calls about paying the bill. I received 4 phone calls yesterday for an account that is current. This is harassment.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

On XXXX rec 'd phone call, caller ID - Chase at XXXX. Individual claimed to be XXXX and there was a problem with my cc ending XXXX. She asked questions, put me on hold 3-4 times, then never came back, but a man came on and did the same as XXXX and I hung up. XXXX I called Chase to check on a purchase I previously made and could not access my account. I called to talk with a person, to find out I had been scammed the day before for {$16000.00} for four transactions in XXXX. I was told I was not responsible for these charges and transferred me to the fraud dept. Two different individuals in the fraud dept. stated I was not responsible for these charges. One recommended I cancel my card, which was done. On XXXX an individual came to my house, identified herself, stating she was from XXXX County Dept. of Human Services and received a phone call from an individual she was asked, not to identify. She asked if I was scammed for several thousands of dollars. I replied, yes. She helped me contact three credit reporting agencies and advised I report this to the XXXX Police Dept. which was done. My attorney has sent an affidavit to Chase, stating not my charges, was received on XXXX, requesting a response. Chase has not responded.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I paid the balance on this account months ago in full for Comenity Bank XXXX but they will not update paid as agreed never late for this account. They accepted my payment & I want my credit reports updated.
Consumer complaint received 2021-02-10
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. (FL)

Hello, this is my second time trying to get these accounts removed from the credit bureaus. I pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX I filed a request to be refunded for student loan payments made during the COVID pause. The amount equals {$8400.00} for XXXX payments made from XX/XX/XXXX to XX/XX/XXXX. Nelnet the servicer for my loans said that I would be sent a confirmation email and further instructions within ten business days which would have been on XX/XX/XXXX. However, I have not received any confirmation or instructions to date. I called the servicer twice, and they can not provide updates or an expected timeline for my request confirmation or a refund. They just said it's being processed, but they missed the initial deadline dates given by the customer service representative when the refund request was filed.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am the co-Personal Representative of an estate of one of my firm 's deceased clients. I have attempted to marshal XXXX Bank of America checking accounts in the late client 's name. I appeared in person at the XXXX XXXX, XXXX, XXXX branch of Bank of America and provided them with the Certified copy of my Letters of Authority, an original signed letter from the other Co-Representative who lives in XXXX authorizing the release of the accounts in question to the Estate, and an original Death Certificate. I spent over an hour at the Branch and was informed the bank would be mailing a check made payable to the Estate to my office. That was almost XXXX months ago. Just last week my office received a checklist from Bank of America requesting the same information which I already provided to the XXXX, XXXX branch in person. My office called and spoke with someone at the XXXX XXXX, XXXX, XXXX Bank of America branch and was told that the account is not in their branch and they can not assist us. 

In my opinion, this a breach of the bank 's obligations and I wish to have this complaint filed and have the funds released to the late client 's estate.
Consumer complaint received 2018-02-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRANCER CAPITAL CORP (FL)

Prancer Capital Corporation has been calling me muilipule times a day every month to try to collect a debt, and leaving detailed messages on my voice mail ( that does NOT have my name attached ) Today for example I was called at XXXX, XXXX XXXX and I declined the call, they then called right back at XXXX XXXX  AND again at XXXX at which point I advised them to stop calling me, and the MANAGER refused stating that they could call me as much and as offen as they liked. 

They have been calling me consistantly twice a day every month starting from the XXXX of the month I have 33 Messages that have been left on my phone since XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mr. Cooper AKA IS AT again. After going through several rounds about Escrow. They finally decided to follow the law and do an escrow analysis. It was discovered that I have an escrow surplus. That was recorded on XX/XX/XXXX, I called on XX/XX/XXXX to make an inquiry if the check was actually sent out since it was nearing three weeks. I mentioned this the representative and they offered me a stop payment and reissue of check. I told her please do not that. I then asked her to speak to an Escrow specialist because I had a question. She transferred me I waited for over 45 minutes and no one picked up so I hung up. Later that evening I noticed I had a voice mail. It was a representative calling me to tell me that they placed a stop payment on my check. I called the next day when they opened and found out that this was done and on the same day I received the check, I asked if they could reverse the reversal since it was less than 24 hours. They told me no because a reissue was in progress. I decided to call back to confirm this so the next representative I spoke to said that the check was okay that I had. I asked her to confirm the check that I had was okay so I read the check number to her. She repeated the check number and said it was okay to cash. So I deposited the check into my account only to find out that it was reversed by my bank and my account is severely negative and will incur fees. I called today to only be disrespected by rude representatives and still no clue when I am going to receive this surplus money. 

Please CFPB will you investigate this company. I am a person who has blessed enough to pay their mortgage on time every month I can't even imagine how they are treating people that are not so blessed.
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXXXXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts. 

This letter was sent to Transunion onXX/XX/2021. They received this letter on XX/XX/2021 which they have not yet responded to nor have they deleted said account in letter from my consumer report. I have never given Transunion any written consent nor can they provide any proof of me giving consent to report anything on my consumer report. No consent is identity theft, which is a violation of 15 USC 1681b ( a ) ( 2 ).