davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

As per the guidance from the CFPB the required documents and a letter from an advocacy group assising me due to debt XXXX  which falls underXXXX XXXX  accodring to XXXX XXXX Final Rule 1002.142 ( b ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you chexsystem remove and block thisinformation from my XXXX report with FOUR BSUINESS DAYS, I am i victim and would like all listed bank accounts be blocked and deleted 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 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 XXXXXXXX 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 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 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 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 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 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
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Birth : XX/XX/1996 SS # : XXXX
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

loan company Mr.COOPER dba Nationstar paid the wrong homeowners insurance company after they were told on XX/XX/2019 not to pay any one until i gave them my consent since I was shopping around for a new policy. Well they took it upon themselves to pay a company by the name of " XXXX XXXX '' After filing a complaint against them with you ( CFPB ), Mr Cooper contact XXXX XXXX XXXX to get my money back.The amount is {$3600.00}. 
XXXX XXXX mailed back the check to them on XX/XX/2019 and Mr Cooper states that they haven't received the payment. I suspect that they are lying like they did on my previous complaint against them. 
I am attaching proof that XXXX XXXX returned the uncancelled check to them. 
I want my escrow account to reflect the {$3600.00}. 
Mr Cooper is as crooked as they come.They shouldn't be allowed to do buss after all the problems they had under Nationstar.
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called the bank asking for assistance in disputing transaction from nonrespondong vendor due to incomplete work and dalse charges.Cap One agent promised to send me a follow up letter, I never got it.By accident I found out I need XXXX XXXX fax over, which I did timely.Now they claim thry never got faxed documents and yesterday I received an email communication that my charges were reversed because I failed to provide a paperwork. 
I called to complain and asked them to look at fax better, they offered me an email to upload which I did and they still did not reverse the charges.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX  XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

I was depositing {$5300.00} - {$6000.00} cash into a US Bank ATM machine on XX/XX/year>. This was a new machine that accepts upto XXXX bills. I had all {$100.00} dollar bills. The machine malfunctioned and I got a receipt that says A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. 
CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. 
KEEP THIS RECEIPT. 
I called the bank right away and reported the issue. The person told me it would take 3-5 business days to resolve. When I called again XX/XX/year> to follow up, I was told that there was no case submitted regarding this incident. I had to start the process all over again. Now I was told that It will take 10-45 days. 

I originally brought a check to the bank, but the teller told me they could not accept it because even though it was in US dollars, it was from a XXXX bank. 

Now this happens through their ATM.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MN)

I've contacted XXXX more than 3 times about information they are reporting that supposedly reflects a " serious delinquency '' on one of my accounts. I've examined my ENTIRE credit report multiple times but do not see ANY delinquency shown there. I do NOT have any delinquent accounts, nor should I have negative information on my credit report. This improper reporting of information is affecting my ability to secure low interest rates.
Consumer complaint received 2024-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I am a citibank customer. I have a checking, savings, macys, macys XXXX  and a citi double cash credit card. About a month ago it locked about 3 times in one day and I was able to fix it and only one supervisor out of three was able to help me with my transaction. The very next morning, I wanted to make another transaction so I called first to have a supervisor on the phone while I make the transaction incase I have an issue and didn't want to get the card locked again. The representative was rude, disrespectful, joking, laughing at me and should not be working for customer service. She didn't want to transfer me to a supervisor and told me my security word was wrong and locked my account. It's been over a month and I received letters with the reference numbers multiple times and everytime I call to verify, I am told it's the wrong letter. This is unacceptable and I'm very upset with the help and service of most of the representatives for citibank besides a couple here and there. But most of them are unprofessional, disrespectful and rude. I want to use my double cash citi credit card. I have multiple accounts with citibank and I want my card unlocked now!
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I've spent days on hold with MOHELA with absolutely no way to speak to a human being for assistance. I've literally spent hours on hold listening to the same circular hold music and " guidance. '' I applied for the REPAYE plan well within the required timeline and have not yet seen any response. I applied for REPAYE in XXXX and again in XXXX because MOHELA showed no previous application. Now it shows two applications, both pending for between two and three months now. I've recently been sent a letter stating that my payments will begin on XX/XX/2023 at a rate that's three times what I was told my payments would be under REPAYE. My REPAYE amount should be {$170.00} but I'm being told I'll be auto-debited the amount of {$460.00} which is absolutely not affordable for my family. MOHELA will not respond to any of my queries and there's now no way to chat with support personnel or connect with a person on the phone.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

I got a call today from Citi customer complaints based on the XXXX customer service the other day from one lady I didn't their name that hung up, then XXXX hung up. Then XXXX took my social and put me thru to fraud instead of a supervisor. XXXX took that screwed me over just as XXXX and maica did and XXXX was no where to be found. XXXX contradicted her self on the call and lied multiple times. Eventually I called back hours later since someone blocked my app again for no reason resulting in me wasting another hour on the phone with these idiots. 

Today I spoke with XXXX she was told the only question I have at this point is when the promo for the new checking account would credit so I can go in and close my account due to continued customer service issues I called back at XXXX to speak to someone about my promotion because XXXX couldn't get employees on XXXX diff holds to answer my question so she transferred me to someone named XXXX in which she didn't have his name proper she got off the line when he picked up and he told me that he is credit card department not checking account and he couldn't help so now after taking to her for XXXX minutes I've had to waste yet another hour now. When I called In to speak with the rep at th call center they had reception issues. I answered her questions so the account would hopefully have been verified and someone can see who I spoke to in order to review rhe calls. I was then hung up on by the supervisor claiming he couldn't hear. I conferenced in another phone like with another phone provisee to ensure it wasn't me, naturally the whole reason I asked for the supervisor was to get hopefully better reception. Apparently that call center is so muffled it's not even functioning aside from wasting our time and then hanging up on us and never calling us back. How does a bank supervisor answer a call and then not call you back if the account was verified prior to the transfer?
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I have been having an ongoing dispute with Citibank about a credit card that was never activated, was reported Lost or stolen.

Despite this card being reported as lost or stolen, they charged an annual fee of XXXX dollars and continued to try to collect. This card was never activated!!! they continued to report to credit card bureaus, even though this matter was brought to their attention numerous times. 

They previously agreed this information would be removed from my credit report, as of the last phone call they asserted they not removing it. 

I am a real estate developer. This is the only derogatory information on my credit and it is substantially affecting my ability to sustain myself as my credit is how I earn a living.. 

It seems that there is a lack of communication between the various departments. Regardless, I have communicated this information in writing repeatedly and would like the negative information to be expunged from my record. 

I have previously reported this to their customer service, fraud department, as well as the office of the presidency with no resolution.
Consumer complaint received 2019-07-01
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)

as of XX/XX/XXXX, I asked Experian to update the date of the status which reads XX/XX/XXXX which is impossible because if they actually followed the law and did investigate as they claim it would have said the date of status XX/XX/XXXX and it clearly doesn't but they claim its reporting accurately I have disputed this twice and they keep resaying the same thing no change the only thing they changed was payment history and that wasn't the problem
Consumer complaint received 2020-03-24
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: EQUIFAX, INC. (NC)

XXXX XXXX is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (ME)

XX/XX/XXXX I bought a brand new XXXX XXXX. 

XX/XX/XXXX, my XXXX  stalls dead in traffic. Took to dealer, they said it was out of oil. My XXXX burns oil! On 3 other occasions I have had dealer ship and myself add oil to this XXXX. This XXXX burns oil! And who knows causes premature tune ups, pistons, oil that cost XXXX $ a quart. This is not right. 

I tried reaching out to XXXX XXXX and received a call center who wouldn't let me speak to supervisor or management. 

My dealership says I can't trade it in, that they are trying to resolve the oil burning issue. I can't file for a lemon law. This is not right! 

I'm paying off a loan! I make {$12.00} an hour. I am XXXX years old. 

Can someone help me? I don't deserve this, it's a brand new XXXX  with XXXX miles. Can you have XXXX management contact me? They have many complaints about this problem, I've looked it up and the dealership says they have many complaints as well. 

Thank you, XXXX