davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
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: Experian Information Solutions Inc. (CA)

Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks XXXX
Consumer complaint received 2018-07-19
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: HCFS Healthcare Financial Services of TeamHealth (OK)

I have disputed this inaccurate, erroneous, unverifiable account entry with XXXX  XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX   XXXX XXXX  has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX   XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. 

Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit reports.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I applied for a loan modification aproximately a year and a half ago. Citibank continually denies the loan modification. The reason Citi mortgage denies my loan modification, is because my income is unverified according to Citibank. My concern is that continually resubmit my application and I receive a vague answer from the company. I do not feel that Citibank is being cooperative with allowing to fix the problem. If there is a problem with the part of financial aspect of the application, I need them to be direct about problem. I continually go over the paper work and resubmit it. I have attempted to contact them and trouble shoot. I hired an attorney to speak on my behalf. XXXX XXXX has tried to get clarification. In addition, he feels like Citibank is being very vague with him. Also, I am working with XXXX. XXXX contacted Citibank to find where the errors are being made. They have not heard back from Citibank. The last response from Citibank is that the underwriter is on vacation. I do not feel that Citibank is being helpful. I am not trying to be fraudulent with Citibank in any way. My only going is to ave my largest investment. I have desire to file bankruptcy. If I do not qualify for the program based on the numbers, Citibank should be direct with me. Truly that is all I want. If I have to file bankruptcy as a last option, that is what I will do. Please assist me with getting a direct response from Citibank. Thank you
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.
Consumer complaint received 2018-07-19
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: STATE FARM BANK, FSB (IL)

State Farm Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on the same day. I did authorize only one inquiry for a car purchase at a dealer and only one not two. The second inquiry was an  unauthorized hard inquiry to my credit. The date of the inquiries is XX/XX/2017. I called State Farm Bank and got nothing more than a run-a-round by their customer service representatives on multiple calls to them on this subject by myself to them. This action by State Farm Bank is an unlawful unauthorized hard inquiring to my credit and I demand these hard inquires be removed immediately. That is the reason I am making this  complaint.
Consumer complaint received 2017-09-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

i will have to make this the resolution box bc i messed up bc i had my son attatch my documents and show me how ... a nice resolution would be to forgive my loan after all the XXXX and hours upon hours of research and paying 3 different lawyers who just took our money and sat on our case from the very beggining of all this.. we had to actually hire one lawyer to sue another one to get our money back and then he took half of it ... my last lawyer had no clue what was going on even after having our paperwork in his office for a year claiming he was " combing '' through it ... .and esp ... after all your fraudulent paperwork and demeaning our family that way XXXX XXXX XXXX ... but since i know that will never happen ... im asking for the XX/XX/XXXX offer that we never was sent ... .we have been in our home since XX/XX/XXXX ... this is all my children know ... we would like nothing more than to be able to stay and afford it..the XX/XX/XXXX offer was perfect for us ... .your consideration of this would be greatly appreciated ... thank you for your time!!!
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complainant : To : CFPB Bank of America breaks the law by refusing to dispute {$95.00} One Class charged XXXX/XXXX/XXXX. 


Complainant bought specific course from One Class but found that the course was listed without content specifically linked to the specific course bought. 


Complainant alleges One Class commits tortious fraud. 


Complainant requires refund of {$95.00} plus finance charges. 


XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (PA)

My complaint is with Barclays Bank and the RCI Elite Rewards Credit Card. On XXXX XXXX, XXXX, I phoned Barclays Cardholder Services agent to request new cards, as the expiration date on my ( two authorized ) cards was XX/XX/XXXX. New cards were received on XXXX XXXX, but the expiration date was still XX/XX/XXXX. Again, I phoned the company on XXXX XXXX. The Cardholder Services agent stated new cards would be expedited to me with valid expiration within two days. Nothing was ever received. I submitted a third request on the Barclays Bank card website. On XXXX XXXX, I logged in to my account and discovered the account had been closed with no reason. I phoned Cardholder Services on XXXX XXXX and was told by the agent and her manager that closing was by bank policy. No further explanation was provided and the manager would not allow me to speak with any higher official to obtain information about the bank policy that was violated. What is the bank policy? Am I too old? Am I too male? Am I paying on-time too frequently? Is the bank policy that I am a member of the wrong political party? Why is the bank discriminating against me after sixteen years of responsible card use, payment, and communication?
Consumer complaint received 2017-09-30
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. (MS)

I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX from XXXX XXXX.
Consumer complaint received 2017-09-30
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: Experian Information Solutions Inc. (FL)

I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is XXXX.
Consumer complaint received 2017-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT. 
I called this company they could n't tell me why they are on my report .I sent letters to company asking them to send me what ever information that was used to open this account because its fraud no response after 5 months .I sent the credit bureaus letters disputing these accounts asking them to please investigate this fraud debt on my credit report because it was n't mine and to send me whatever the company sent them to verify the account. Thy just said verified and left on my account.
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (NJ)

I submitted an end of lease buyout form online from Wells Fargo in order to purchase my lease. It was said that I was approved and gave me my interest rates and payments based off m y credit score they ran and my information As I chose the one I wanted, I waited to hear from the company to finalize the loan that I was approved for.   When I received the call, I was told I was now denied.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (OH)

I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (TX)

L J ROSS ASSOCIATES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You L J ROSS ASSOCIATES INC failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Consumer complaint received 2017-09-30
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. (NY)

I have to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MD)

I sent this company a letter on XX/XX/2018 to validate the debt that they put on my credit report. I have not heard from them and the account is still showing on my report. I know that I do not have an account with them and I want this removed immediately.