davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

After I suffered a home owners claim, Citizens was impossible to work with and borderline abusive emotionally and financially. 

They moved my mortgage to XXXX XXXX, but I must still use their banking apparatus. They have zero customer support capability. Their online website is not only dated but unusable. I can not even view my annual mortgage docs. 

They are the worst bank I've ever worked with.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (RI)

My closing date was XX/XX/XXXX. On this day, I received Temporary Payment Coupons specifically for mailing in monthly payment for my mortgage to Guaranteed Rate. I was told by my Loan Officer that what I had received was the most up to date information. I was informed I could wait for my statement in the mail, but that it is common the first statement might not arrive in time for my first payment, therefore I can use the coupons. My first payment was due XX/XX/XXXX for an amount of {$1100.00}. The coupons had the wrong dollar amount due to a change in property taxes. But I was told by my Loan Officer I could send the check for the new amount, and still use the Temporary Payment Coupons even though there was a slight adjustment. My name and address was correct on the coupons, and the check was written out for the correct amount. I didn't see how this could go wrong. A few weeks went by, and I never received my statement in the mail. Because of this, I set up an online account so I could pay my XXXX statement online since I hadn't received any statements. It was then that I noticed my XXXX payment had not been posted on my account, and I soon got a call on XX/XX/XXXX being accused of not paying for the month of XXXX. I was shocked. They had taken the money out of my checking account though. I called Guaranteed Rate customer service and was informed my statement was mailed to the wrong address and that my loan number was changed. I was NEVER informed of this by phone or by email. Guaranteed Rate knew they mailed the statement to the wrong address as the statement was sent back to them ; they never informed me of this, and never asked for the correct address. The woman who helped me on the phone told me the statement had been mailed back to them since the address did not exist. I had her correct my address and she told me my correct loan number. I did everything I was told to fix this issue, yet, as of today, XX/XX/XXXX, they are still accusing me of not paying them for the month of XXXX.
Consumer complaint received 2022-02-24
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. (MD)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (OR)

CONTRACT CALLERS IS MISTAKENLY REPORTING ME IN COLLECTIONS. I VISITED XXXX  AND WAS ABLE TO GET A PRINT OUT OF THE RECEIPT FOR RETURNING MY EQUIPMENT AND DUES OWED AT THE TIME. PLEASE SEE ATTACHED. PLEASE DELETE THIS COLLECTION ACCOUNT FROM MY CREDIT IMMEDIATELY.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I really dont even know what to say at this point. I have filed so many complaints and called Equifax so many times and wrote so many letters and its been 8 months and still this issue has not been resolved. So now I am submitting this as a last ditch effort to resolve my issue before taking legal measures to resolve this ongoing problem
Consumer complaint received 2024-09-18
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. (NY)

This morning, I was stunned to see incorrect accounts on my credit report, and I have absolutely no idea how this happened. Ive checked my report as usual, but this time, there were unexpected discrepancies. I even refreshed the browser, thinking it could be a glitch, but it wasnt. The wrong accounts were still there. Thats why Im asking for a thorough check of the documents Ive submitted, so I can put this behind me for good.
Consumer complaint received 2022-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX at XXXX XXXX from Navient left me a message regarding my private loans. She stated in the message that she had a settlement offer for me, and that I should give her a call back, and that I had these loans for awhile. The phone number that she called from was XXXX. I filed a complaint XX/XX/2021, and asked that Navient no longer contact me via phone, and now they have again. I would like them to not contact me via phone, and I am not sure why they have continue to do so when they stated in their previous correspondence that they would comply with this request.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX XXXX USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I was scammed with a lot of money by XXXX XXXX guys. 
I've already reported everywhere, including XXXX, The fraud department XXXX XXXX, The fraud department of the US embassy in XXXX, and more. 
Long story short, I reported the fraud to my bank so started investigating, however, only the US bank didn't respond anything although my bank, XXXX, has contacted them several times. After all, XXXX closed the case and advised me to sue the US bank. 

The lady who is holding my money has an account in the US bank and of course, her account is locked because I reported her. 
I heard that she is trying to return my money back but she can't do anything with her account now. 
So, I went to the US bank a few days ago to ask if there is any way to release her account, but the US bank said I should report her to the police for more investigation. 
I just filed to the Federal Trade Commission fraud department and the website recommended filing to you here if I'm not satisfied with the bank 's service. 

I will go to the local police station to file her.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi, I was banking with Bank of America since XXXX and all of a sudden my account was closed in XX/XX/XXXX with a balance of {$28000.00}. I have not received my money yet and whenever I call customer services or visit any branch they simply say we have no idea as to when would I receive my funds. 

I dont see any fraudulent transaction, chargeback or any complaints on my account, still without any notice or anything the account was closed. I have also not received any letter or any details as to why the account was closed and whats happening with my money. 

I would really appreciate if someone can look in to it.
Consumer complaint received 2022-04-18
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. (WA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-03-04
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (GA)

I have asked XXXX ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by BARCLAYS BANK DELAWARE. After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in XXXX different times and written off amount are completely different. 

XXXX claims this BARCLAY has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this BARCLAY account to be valid and continue to report, It needs to be the same across the board. Because XXXX and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (TX)

Hope you are doing well. I opened a Chime spending account ( account number : XXXX ) through XXXX website on XX/XX/21. It has been 70 days after meeting all of the requirements, but I've not received the points yet. I tried to contace the customer support but nobody replied to me. Could you please help me check this issue? 

Offer details : When you open an online Chime account online, you get a Chime XXXX XXXX XXXX, a Spending Account, and an optional Savings Account. Get started today! 
1 ) Signup with Chime between XX/XX/21 and XX/XX/21 XXXX ) Download the Chime XXXX. 
3 ) Access your account number and routing number from the app. 
4 ) Add your account number and routing number to your payroll contact or service. 
5 ) Set up payroll direct deposit and receive your first paycheck within 30 days of your sign up date to earn Points! *
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (NV)

My identity was stolden Police report # XXXX XXXX XXXX XXXX XXXXXXXX police There are 3 hard inquires from cbna on my equifax credit report and equifax refuses to investigate it
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc. (GA)

I was reached By PDM INC XX/XX/2022 by representative XXXX XXXX who is unprofessional he called about a debt which is incorrect information. I asked for the validating documents about this debt which was sent next day and the document that have the client information on it is incorrect which i called and told them i want to speak with the client and they are and was never the management of this property. I carefully viewed the documents, The documents have incorrect client details in which I reached out to speak with client to solve this matter. I call PDM INC back and asked who did they contact to confirm this is correct the Supervisor XXXX XXXX stated he talked with the client and validated it was correct I called the client and the client on the paper work stated this is incorrect information. The client stated they never been over the apartment on the paper work. The client googled the correct Management over the property which was reached and they stated are not over the apartments. I also mailed a letter out to PDM to dispute and send more validating documents to support this debt the company did not answer my request they also over the phone asked me to get my card to pay a debt that has no supporting information to prove this debt.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

My XXXX was compromised and someone accessed my account to send themselves {$500.00}. They used my name and phone number to pay themselves to a XXXX XXXX account on XX/XX/2022. I have contacted Chase and filed a claim, but they are not promising a resolution. They say I initiated the transfer but I did not. I even called their Executive Team and spoke with a XXXX and all I get is a sorry but we can not help you. Sorry does not cut it. Sorry does not pay the bills, or buy groceries or fuel. Sorry does not put the fraudster behind bars. My account was hacked. XXXX says they can not help. I filed a police report. I just want my money returned to me. I will never again bank with Chase or use a merchant account, like XXXX. They are obviously siding with the scammers.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SimpliFast Lending, LLC (KS)

I don't know the dates. But I'm being sued for a online loan which I have no knowledge of taking out. I went to the XXXX XXXX bank and they said it was account open and closed. The account numbers aren't matching up with the numbers the lawyer has vs the bank paper and the dates aren't either. I was told by the bank to come to this website and make a complaint
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Have been a longstanding member of Capital One bank for years, I pay off all the cards that I have with this bank as I use it. I have an average XXXX  of 800+. It's a mileage card so I take advantage of the rewards. I realized there might be a different rewards card that I could be using and I applied for this card and was accepted online after unfreezing all my credit records, the next day I received a phone call from an agent of Capital One during my work hours leaving a message that they needed additional income information, which I am most happy to supply, before I could get home listen to the message and execute this they locked every single one of my accounts and I was declined at a supermarket register for {$10.00}, I have a {$10000.00} limit on the card I was using and several thousand on the other ones as well. I have since changed all the automatic payments I had on this credit card to a new more friendly bank, one that won't decline a {$10.00} charge ; however, they continue to charge automatic payments on my card, I understand that it is from my side and that i have cancelled and restructured the way those are deducted from a different card, maybe too late for this month, however if the cards are locked for me should they not be locked for them too Why Are They Able to Proceed with Charges to My Account Yet I Did Nothing Wrong and Am Declined, Locked Out, And Have to Wait 14 Days for A Resolution?? WHY does Capital One treat their clients like criminals first?
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.