davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC (NC)

I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Navient Solutions, LLC. (AZ)

the mortgages that are with XXXX XXXX XXXX that are fraudulent have now been referred to Pioneer Credit for collection. 
I have asked this agency to cease and desist. 
All matters are now turned over to AZ State Banking, AZ Attorney General office, AZ Corporation Commission and XXXX complaint with Federal court, Audit of XXXX
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

Background : I receive a weekly credit report from XXXX. In order to verify the information, I went to Equifax and ordered the three-bureau report. The XXXX score reported on Equifax 's report seemed low to me, so I went to XXXX directly. Their score was significantly higher than the one reported by Equifax. I called Equifax to understand why the XXXX reports were so vastly different. 

During my call, the supervisor mentioned that Equifax runs its own model to develop credit scores. When asked why the XXXX XXXX scores ( the one provided by Equifax and the one provided directly from XXXX ) were so vastly different, the supervisor indicated that this was because Equifax generates their reports using their own model based on XXXX criteria. 

Complaint : I have XXXX alternative complaints : ( 1 ) That Equifax never disclosed to me, their customer, that when purchasing their XXXX-bureau package, they would not be giving me XXXX actual score, but rather their score based on XXXX criteria. In reliance of their advertisement that I could receive all XXXX Bureau 's scores, I purchased the package. ( 2 ) That Equifax , if they are not willing to disclose that they will be generating their score based on XXXX criteria, should then be made to provide the score I am able to obtain from XXXX directly. 

Conclusion : Given the sensitivity and importance around credit scores, and the need to provide such information to potential lenders, the bureaus have the responsibility to accurately and completely disclose to their customers where scores are actually coming from, rather than misleading them into purchasing a XXXX-bureau package that only provides a score from XXXX bureau with the other XXXX bureau 's criteria. Given that I was able to do my diligence, and reconcile the report provided by Equifax and the report provided by XXXX, I believe I was in fact mislead by Equifax.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XX/XX/XXXX we entered the Covid Forbearance program. I was given a letter on XX/XX/XXXX advising that I successfully came out of the Forbearance program and that ALL past-due amounts would be approved for a payment deferral where ALL those payments get put at the end of the mortgage. The letter explicitly states that XX/XX/XXXX will be the start of the monthly payments coming out of the Forbearance Program. 

However, XXXXXXXX XXXX  incorrectly reported the XX/XX/XXXX and XX/XX/XXXX as LATE to the credit bureaus even though XXXX XXXX never attempted to assess a late payment which is further evidence that they incorrectly reported this to the credit bureaus. 

I would like this to be immediately remedied by XXXX XXXX and an apology letter sent so that I have proof that this has been immediately resolved.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (DC)

I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

In 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (ME)

I have a tax lien on my Equifax report. I sent them a letter asking them to please send me verification that this is in fact my debt. When i saw it on my report I called the agency reporting the tax lien and the phone number is disconnected so how could Equifax legally come back to my request and say they verified the info is mine when clearly they did NOT? If your allowing them to simply get away with this please send me the next steps to pursue legal action this is n't right not XXXX time have they sent me anything back verifying the lien. Also I sent them letters asking them to remove the closed accounts on my report that have been there over 7 years and nothing has been done. This is clearly criminal action I want these items removed immediately or I will take further action. The tax lien case will be easy Equifax said they verified the info yet the number they said they called is disconnected and has been for over 6 years. If Equifax is going to continue to lie to me I will certainly use this document when I file charges against them. I have been asking them for over 8 months now.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public during the Equifax, XXXX, and 2024 data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: SIMM Associates, Inc. (CA)

these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

I wanted to get my XXXX credit report. I thought the process was simple, but it did n't work for me. I applied online but received the message " unable to confirm identity '' and then message " If I leave page now I wo n't be able to receive my free reports for a year '' That 's totally unfair, I have the right to see my reports online and do n't want to go through cumbersome process of filing paper forms. This would be difficult since I 'm XXXX and I do n't have a printer. Please help.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (TN)

Subject : Dispute of Debt and Violation of Consumer Rights Dear CFPB, METRO COLLECTION SVC HAS SENT ME THE SAME AUTOMATED RESPONSE TWICE AS " LEGAL VALIDATION '' WHEN ITS NOT. WITH THE MOST RECENT DISPUTE BEING CLOSED IN 12 HOURS WITH THE SAME INVALID DOCUMENTATION AS A RESPONSE IS A CLEAR VIOLATION OF THE FCRA WHICH MEANS THEY MUST REPORT THE ACCOUNT IN MAXIMUM ACCURACY!

I am writing to formally dispute any and all debts AND DEMAND A FAIR INVESTIGATION TO BE CONDUCTED. IVE ATTACHED ALL PROOF OF THEIR AUTOMATED REPSONSES AS WELL AS ME DEMANDING A FULL INVESTIGATION WHICH THEY CAN NOT PROVIDE TIME AFTER TIME..

METRO COLLECTION SVC Address of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX : Acct # XXXX claim I owe. I assert that you are in violation of my consumer rights under the following laws : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n 15 U.S.C. 1681 ( i ) ( 2 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) 12 CFR 1006.34 ( d ) 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have reported this collection on my credit report. I have not been given a proper opportunity to dispute the account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Additionally, your communications have involved false, misleading, and deceptive practices, infringing on my rights. You lack the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures, which is a clear violation of the above statutes.

Furthermore, I hereby revoke any permission for you to communicate with me via email, text, or phone calls. I request the following : Debt Validation : Provide documentation verifying the debt.

Purchase Agreement : A copy of the agreement between METRO COLLECTION S
VC and the original creditor XXXX. 

Licensing Proof : Evidence that METRO COLLECTION SVC are licensed and bonded to collect debts in my state.

And according to this law METRO COLLECTION SVC are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( ii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 METRO COLLECTION SVC suppose to 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. 


Please respond to this letter with confirmation that the account is deleted. Thank you
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.