davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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: CORELOGIC INC (FL)

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CREDCO XX/XX/XXXX, CREDCO XX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, CREDCO XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XX/XX/XXXX, CREDCO XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-24
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. (SC)

Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same sourceXXXX XXXX XXXX I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.
Consumer complaint received 2022-02-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

On XX/XX/XXXX I contacted Select Portfolio Servicing regarding forced insurance and balloon payment that was placed on the back of my loan. I requested documents regarding the original modification. I requested information regarding for the forced place insurance and was never informed by letter regarding the forced place insurance being placed on my loan. I requested the letter regarding the forced place insurance and have yet to receive that information. I was advised that they would have to research to locate documents. I made the attempt to refinance property to make major repairs to the dwelling however I was denied due to the appraisal value of the home being XXXX which is lower than what my payoff amount of XXXX not including an undisclosed balloon payment amount that I have yet to get information on. My current interest rate is over 6 %. On XX/XX/XXXX, We have attempted to sell our home and requested a reduction in payoff for XXXX. I was advised on XX/XX/XXXX that the request for reduction was denied due to the mortgage not being 90 days past due. We have received multiple offers for XXXX for the property. I feel that is unfair and unjust that I have made my payments on time with my failing health and my age, I feel that my lender is taking advantage of me and my situation.
Consumer complaint received 2020-05-03
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: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (NV)

Earlier this afternoon and after deciding to purchase a new XXXX XXXX truck after having an opportunity to experience the new unit my son purchased just last week, I proceeded to apply online with Chrysler Capital directly in order to take advantage of the manufacturer 's 0 % interest for 72 month with 90 day free payment offer which expires at the end of the day today. Unfortunately shortly after applying, I received a denial email yet after contacting Chrysler Capital to inquire why my application was denied as to understand the reason for it since my credit history and score are both excellent ; I was told that Chrysler Capital although they take online consumer applications they will not discuss these directly with the applicant and have referred me to a local dealer which as part of this manufacturer 's application process they force you to select even though you might not be purchasing the vehicle from them. That said and as a consumer, not only do I have the right to know directly from who is processing my application why it is being denied instead of having to contact one of their local dealers who is asking me to submit another loan application so they can present it to an undisclosed number of lenders which will end up damaging my credit history and score. Not only is this unacceptable but I believe it is an unfair business practice should be investigated. I appreciate your consideration to this request and look forward to hearing from you soon. Thank you...
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (IL)

Hello I keep getting bills from a XXXX I had back in XX/XX/2021. Everything has been already paid yet I keep getting bills sent to me and now you guys are contacting me. Once again everything has been paid months ago. 
Thanks
Consumer complaint received 2023-03-31
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: LEXISNEXIS (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Money orders were deposited in Citibank. XXXX money orders expired, however XXXX money orders Citibank, froze my account, sent it to fraud investigations, froze my debit card and wont release my money. The bank manager sent numerous emails to such department managers but no response. branch manager, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX. I have filed a complaint with Citi corporate via email. The expired money orders were all signed in front of the bank representative. The actions of Citibank are harsh and discriminatory. I am not a criminal or committed a unlawful offense. They are being punitive and causing me a detriment.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for HAMP loan modification XX/XX/XXXX. As of XX/XX/XXXX, I still have no decision regarding the modification. In fact, my application is n't even considered complete, as they are once again requesting another new document. I have been very timely returning their requested info, but SPS keeps asking for new Docs. each of these new requests for documentation is to support other previously submitted documents which support the information I provided on my application. The different requests I believe are not informational, but rather a delaying tactic. More frustrating is the fact that I have been told half a dozen times that the underwriters have what they need to make a decision, only to have them request another more obscure document. Dealing with customer service reps has been troubling since it is a different representative every time, so I 've had to answer the same questions over again and again, months apart, and the information they often ask for was included on the initial application. I do not feel this company is operating honestly or competently.
Consumer complaint received 2023-04-13
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: HCFS Healthcare Financial Services of TeamHealth (CA)

ARS wont allow me to get a copy of my consumer report. I have a right to see what they are reporting on me. They are giving me error messages. They will not allow me to freeze my report either.
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Equifax is reporting false information to my XXXX, that is not on my credit report. The information theyre reporting has damaged my credit score and theyre refusing to fix it. They are reporting bogus made up information. My XXXX dated XX/XX/2022 includes 4 derogatory 30+ marks of delinquency in the last 12 months and noted that the most recent delinquency was 5 months ago. Since none of this information is listed on my current credit report at all, there is no option for me to dispute this. When I called to escalate this issue, I got put on hold for over an hour and no one ever comes back to the phone. I was told that they no longer report to FICO and there was nothing they could do. 

Also, theyre refusing to delete a credit card thats been reporting for more than 7 years. The records they are completely wrong and theyre refusing to a knowledge this. When I reached out to myFICO, they advised that this is the most recent information that Equifax reported to them.
Consumer complaint received 2021-01-27
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. (CA)

In XXXX i submitted a credit dispute to experian credit agency. Regarding some items on my credit report. The investigation was done incomplete and the account XXXX XXXX XXXX Was not included in the investigation results. I wrote the credit bureau experian a second time notifying them of their violation of FCRA which states a FULL investigation must be done in 30 days and an account was missed. When i wrote them notifying them of this error they sent me a generic response notifying me of another 30day investigation being opened. 

It should be noted both XXXX and XXXX did a proper investigation and the account in question was deleted. I encouraged them to review the first document sent to them in XXXX where the proper dispute proof was. Because of this generic response im uneasy about a proper investigation being done and because of experians blatant violation of FCRA LAWS.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened an account with Citi Bank last week. I was told to fund the account within 21 days. Today, I decided to fund the account via a zelle transfer. I transfered {$1000.00} into the citi account. The XXXX  was successful & everything was okay. Then after about 30 minutes or so, my access to my own account was blocked & when I tried calling citi, they said my account had been blocked & the only way to unblock it was to wait 7-10 business days until a physical letter comes to my mail & I give them a reference code to unblock the account. 

I transferred all i had into this account & now I am unable to access my own hard earned money. Rent is due on the XXXX of XXXX & I will not be able to pay within my own money because of this. 

Please help me get my own money back.
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (TX)

Good Evening in accordance with the Fair Trade Act, the account ; Ally Financial : XXXX - has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

On Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me. 

This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider.

While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase. 

Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law. 

Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (UT)

Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..
Consumer complaint received 2015-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.
Consumer complaint received 2021-06-05
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. (TX)

Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I've worked and paid taxes as an American citizen as early on as 15 years of age with XXXX XXXX whom im glad to see doing business again. However out of my 15+ years tax paying employed salary/income I have to pay one fee for check cashing. The current financial ATM transferring has caused excessive financial problems & damages to my checking account/savings. I get one Social Security check monthly and were over charged thee check cashing fee were charged in the United States for cashing it. Bank of America, XXXX Master Card, XXXX Visa, XXXX XXXX Visa, XXXX Visa Cards as well. Each of them upon my trying to save for the next day at {XXXX} to {XXXX} a day transactions etc ways of budgeting I've been over charged the amount for cashing the check at an outrages rate of fees for budgeting it. Such as {XXXX} per transaction. When cashing amount of {XXXX} ive I'm actually being charged {XXXX} per 35 transactions at {XXXX} per transaction. Why hasn't anyone notice this has taken place. I do understand a little bit about how we govern things in America but please don't throw my money out the window to the wolves. After all I do TRUST IN XXXX if no one else does. Please fix and make them financial institutions pay, possibly not limited to non consumer customer transfers within their home location or not. As a traveling by state citizen the check cashing rate in California, New York, Washington etc might be higher than our other states in this country but, not no where near the amount the American citizens working or not working are paying to cash a check ( singular ) for the day, week or monthly amount were being charged be at home & foreign dignitaries Please do the math and not ignorance. Especially that the cost of living has rised. Is thAt a turn table # XXXX. Well get on it then.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to them!!