davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (PA)

I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

XXXX XXXX, XXXX, denied employment due to First Advantage background check, Ineligible for hire status. FADV states, due to conceal weapon felony charge. " I don't have any charges. '' Filed dispute w/ First Advantage XXXX # XXXX. Followed up on XXXX XXXX, XXXX, spoke w/ employee XXXX XXXX According to XXXX, charge is out of XXXX XXXX, Case # XXXX, XX/XX/XXXX, XXXX, Illinois. It's the same name but didn't social security number and date of birth. I've never been to XXXX, XXXX. I have no felony charges. I assumed ID theft. I filed a Police Report w/ local PD # XXXX. I've applied for another job. Again denied for the same reason by reporting agency, First Advantage. XXXX XXXX, XXXX XXXX a complaint with XXXX, number XXXX. XXXX XXXX, XXXX, Denied employment again for the same reason by same reporting agency, First Advantage. I believe Improper disclosure is illegal. This error is prohibiting me from from potential employment in the transportation field. What action plan do you intent to take to correct this error?
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ).
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened this account online. I initially made 3 deposits, but the 3rd deposit was because I did not think the second one went through. Less than one week later I received a short letter saying my account was frozen and under review. I then tried to call and get information as to what was wrong. I have repeatedly told that they have no information to provide me with. I have called over and over and still my funds are being held with no resolution in sight. I have no other choice at this time but to file a complaint against this financial institution.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (VA)

Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I received a fraud alert. Signed onto my XXXX XXXX account. There was a phone number. Found out it was a woman by my same name on my Equifax account. She had called to reset her password and they gave her my account without asking any information. She said her name was XXXX XXXX. Did not check birthday, social security number or even address or phone number. Just her name. Now I can't get it fixed or even get my password changes. They told her it would take XXXX or XXXX days. My credit report is in the hands of a stranger and I can't fix it. Someone needs to be held accountable for letting someone into my credit report with Equifax. I need this fixed.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

I purchased a house back in XXXX XXXX with another person. The mortgage has fell behind on several occasions and XXXX loans modifications were done. Only the other party was living in the house in XXXX and was suppose to being paying the mortgage which they were not and they applied for the loan mod rather than have the house foreclosed on because the mortgage was past due. I only agreed to sign the loan modification paperwork if they would let the other party assume the mortgage after I Quit Claim deeded the property to the other person. I signed the deed over and signed the loan mod for the mortgage and Wells Fargo denied our assumption afterwards on the basis that they created a secondary lien to HUD around the amount of XXXX which was the past due amount and the person at Wells Fargo informed me that needed to be paid before they could approve the loan assumeption. Now I am on the mortgage, not living in the property and have no ownership rights to the house. The other party is renting the house out and has kept the account in good standing for the last two years. I am unable to take out any type of loans because I am tied to this mortgage and I do not receive any type of rental income. If I would of known this I would have let this house been foreclosed on so at least it would come off my credit at some point. Wells Fargo should have made us well aware about the secondary lien would have to be been paid before we XXXX signed any paperwork. There is about XXXX left on the mortgage and the secondary lien is around XXXX to HUD. The property value is around XXXX. I do not want to have to hire an attorney to file a Quiet Title Action to have the Quit Claim Deed stricken since I gave up my ownership under false pretenses or information omitted by Wells Fargo. All they need to do is a partial release of mortgage or let the owner assume the whole mortgage. I know Wells Fargo has been very deceptive in the Loss mitigations practices and this is another example.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (CA)

the company stole my collateral deposit that was given to them. Closed the account and never payed me back my deposit.instead self reported inaccurate, incomplete information to the credit bureaus. Self continues to report a false amount. Self is in violation of the FCRA by being a willing participant of knowingly reporting information that is not true. Please help in this matter CFPB
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

I asked Equifax to place initial fraud alert and they complied and placed initial fraud alert. I then called Equifax as well as visited website to place extended fraud alert for 7 years. I sent Equifax a certified letter with all the supporting documents that Equifax had requested and received confirmation that Equifax received the letter and supporting documents. However, Equifax still has not placed extended fraud alert on my credit file. My initial fraud alert has expired now and I just checked my credit earlier today and realized that they had not processed my request for extended fraud alert despite multiple attempts at resolving the issue on my own. I ask cfbp to assist me in getting the extended fraud alert placed on my Equifax credit report/account.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.
Consumer complaint received 2024-08-14
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (CO)

On XXXX XXXX  My refrigerator stopped working The factory warranty is still in effect but I need the receipt to get it repaired. 
I have paid the appliance off already and never received the receipt
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your immediate attention a serious issue regarding my credit report. I have been a victim of identity theft, during which my personal information was used to create multiple fraudulent credit files across various credit bureaus. To address this situation, I submitted a Federal Trade Commission ( FTC ) fraud report and promptly notified each credit bureau, including Experian, XXXX, and XXXX, of the incident. I also outlined the measures I have taken to mitigate further damage to my credit profile. Despite my efforts and the submission of the necessary documentation, my credit reports still reflect the incorrect information that has resulted from this fraudulent activity. I have not yet received a response from any of the bureaus, and the incorrect data remains on my credit files.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  XXXX Date XXXXXXXX  -XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date XXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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 XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

These are unauthorized unknown inquiries from car dealership. I didn't give any written permission for these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 3rd party transactions and experiences are excluded from Consumer Reports..
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My consumer report contains accounts associated with identity theft, which I never authorized in writing or with a wet signature. I recently informed your organization about this issue and am now formally demanding the immediate blocking and removal of these accounts from my report. Their inclusion has resulted in substantial emotional and financial hardship, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am ready to initiate legal proceedings to safeguard my rights and seek a resolution. These fraudulent entries have impeded my ability to reach critical financial milestones, including home ownership and providing for my family 's needs.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

It is not clear to me as why these big banks such as Citi Mortgage will not assist a consumer with homes still upside down. I have been denied XXXX times for a short sale on my home that is clearly upside down by Citi Mortgage 's own XXXX. I am underwater by about {$35000.00} to {$40000.00} and is clearly shown on my financial papers that I can not afford the payment but yet because I refuse to ruin my credit and struggle to continue to make my payments by working XXXX and XXXX jobs just to barely make ends meet and putting myself further in other credit card debt they will not work with us. Since when is it a requirement and or why is XXXX and XXXX and Citi Mortgage allowed to control my credit by forcing me to go delinquent when all the other hard evidence should support them granting me an approval to sell. I have lost XXXX buyers for this home and turned down each time BECAUSE I WAS NOT LATE. I hold a XXXX license and feel it is my obligation to pay my bills on time as to be an example to other homeowners. This is completely reckless and irresponsible of the agencies to allow this and control this to the point of hurting me from obtaining credit in the future by not assisting me. It has been almost 3 years that I have been trying to sell in an already troubling industry and this just confirms that the larger banks and agencies truly DO NOT CARE FOR ANY CONSUMER. I have reached out to the CFPB before on his matter and there was no resolution. Also I find it ludicrous that I can not get pre approved for a short sale knowing ahead of time so I can get a bonafide offer but rather have to be in contract with a prospective buyer, trouble everyone for documentation such as real estate agents, buyers, and escrow companies only to be declined. Where is the protection to the consumer - I see none! Ruin your credit then we will consider helping you is not a motto anyone should be proud of. Our industry of which I have been in for 30 years is a disgrace and see no where that any of the laws and regulations and changes have helped rather make things much more atrocious. I have a XXXX and XXXX both with Citi Mortgage and the XXXX is owned by XXXX XXXX. Very disappointing that as a community of mortgage professionals we refuse to help people until they damage their credit. In the midst of all this I get a letter every month telling me my payment is past due but I seem to be able to make it by the end of month. I truly have a stack of XXXX letters from Citi Mortgage spanning over XXXX inches thick.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

IMPROPER USE OF MY CREDIT REPORT XXXX  XXXX  XXXX  IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX  XXXX  AT ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF REPORT ASAP.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.