davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

At Best Buys request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in Best Buy Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

All began back in XX/XX/XXXX, when contacted XXXX and placed fraud alert on my accounts. Since that time have mailed multiple certified letters to all three credit bureaus notifying them to freeze my accounts so no one has access to my credit files or reporting. This was after had been victim of identity theft and purchased an identity theft policy from XXXX XXXX, XXXX, TN. Attempted to get XXXX XXXX to send me a policy which never did ; when I sent them analysis of the conflicting and nebulous information contained in information they had emailed me, only put me in contact with their attorney. Request for additional information continued receive information that had terms and conditions that they would not define, nor would they provide me any evidence of a contract. Contacted XXXX with Experian on XX/XX/XXXX, an alleged Subsidiary or affiliate of XXXX XXXX who told me had sign up for service ( $ XXXX/mth ) to place a freeze on my account and would replicate with other bureaus ( XXXX  & XXXX ) . When I logged back into account, there was no such functionality. When attempted to call the merchant back, Experian, the number had been Additionally, attempted to cancel this automatic draft within 30 day period they told me once I place the freeze on accounts, then could cancel service. Although, was unable to log back into the account. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, the three Credit Bureaus have been a circuitous route back to labyrinth of deception in Washington.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

In or around XX/XX/2018 XXXX XXXX was approved for a loan modification. On XX/XX/2018 XXXX XXXX submitted an appeal of the loan modification offer. Pursuant to Regulation X, 12 C.F.R.

1024.41 ( h ) ( 4 ) a loan servicer is required to keep an offer of loan modification open until no less than 14 days after the loan servicer completes the appeal. On XX/XX/2018 XXXX XXXX, an attorney for Caliber Home Loans, notified Mr. XXXX that, since he rejected the modification offer, " your default can not be cured '' and the property was now subject to foreclosure. XXXX XXXX did not acknowledge the right to appeal or the deadlines prescribed by Regulation X. Caliber then advanced foreclosure while the appeal should have been pending in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

I told this company the debt is my sister they sent a electronic signature sayin i signed it i want a written signature and pictures of me at this place i never lived in Connecticut only lived in XXXX XXXX   and XXXX no where else im a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PR)

I previously submitted this as complaint XXXX, but it was not tied to my CFPB account or log in. I also did not receive an email confirmation. 

One of my federal loan servicers is demanding I send them a paystub within 90 days. I already sent them verified IRS data about my income. This is for the Income Driven Repayment Plan. This is not allowed under 34 CFR 682.215. I tried to call them and they were not helpful and did not understand my complaint. They said it is simply their policy but was not able to identify where this policy comes from.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

There was ( and still is ) a Cash Bonus promotion of {$1500.00} once we deposit {$200000.00}. 
We opened a Citibank account on XX/XX/XXXX. 
We completed deposit of over {$200000.00} on XX/XX/XXXX. 
We called Citibank in XX/XX/XXXX to check the status of our Cash Bonus promotion. We were told it can take up to 90days for Citibank to deposit the bonus after we meet the terms. 
We called Citibank again in XX/XX/XXXX to check the status. We were told we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status. We were told we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status. We were again told that we should be receiving the bonus in few business days. 
We called Citibank again on XX/XX/XXXX to check the status and this time, we asked to speak with the supervisor. We were told we need to mail W9 to be eligible for the bonus.

We mailed W9 on XX/XX/XXXX. 
We chatted with Citibank again on XX/XX/XXXX to check the status. We were told they never received W9. 

Based on our interactions with Citibank so far and also based on online reviews, it seems like Citibank is doing this on purpose to avoid actually giving the Cash Bonus promotion.
Consumer complaint received 2018-12-21
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 am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-25
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (TX)

I am XXXX XXXX military and in the process of trying to purchase a home. which will be my forever home/retirement home for completed 20 years of military service. There are some late payment reports on my credit report from my current mortgage lender BB & T. My credit report shows that I had late payments for XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. I have reached out to the bank numerous times explaining to them that I was having financial issues due to having one source of income and being stationed in XXXX XXXX California. Also, I had a tenant abandon my property and in the process of transferring to XXXX XXXX, Texas. Finally, I assumed responsibilities of a nephew due to my sister being XXXX   and I had a death in the family which the family member did not have any life insurance, etc and my family and I had to allocate the funds for burial. I have called BB & T and spoke to several representatives on several different occasions during this painful financial setback. I have also provided a written requesting stating all of these facts to their mortgage department as well as the SCRA department of BB & T. Additionally, I went into a branch in person as well. I have been a loyal paying customer to BB & T since XX/XX/XXXX and have never had any issues up to this point. I am humbly requested that these late payments be removed so that I can purchase my final home before retirement.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I repeatedly receive calls starting at XXXX XXXX lasting until XXXX XXXX. I attempted to answer several time but am hung up on.

I have asked the representative to identify themselves and what the subject matter is. They claim it is for my account.

I have not received written notice of this debt. I can not verify this debt on my credit report. I am not aware of any other collection.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

I began receiving bills from Americollect requesting payment for a debt I did not recognize. I repeatedly asked for verification that the debt belonged to me. I have the dates and certified receipts of the letters mailed requesting proof of this debt. I also asked the credit bureaus to provide the information used to make them believe the debt was mine and subsequently adversely report it on my files. From Americollect I only recieved new bills and from the bureaus, I received correspondence stating the debt was validated. How can this be possible?! How can no one prove it to me but can prove it to an outside source?
Consumer complaint received 2018-11-05
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. (CA)

XXXX shows late 30 days. company and documents state never late. bureau shows verified. XXXX states they were never notified of dispute from bureau. 
2.XXXX XXXX , XXXX XXXX XXXX . I requested verification on both accounts due to I have XXXX sons named after myself and they do in fact have these cards. Both cant provide me with any documentation with my signatures on anything. 
3.Bk was disputed and deleted in XX/XX/XXXX but since above disputes bureau has reinstated on my report without any notice. 
bureau is using third party info for verification and not contacting the companies as required by law. 
Two other account were also not verified. 
All requests were not notarized and sent certified mail. 


NONE OF THE ACCOUNT SHOWN ON MY DEMANDS FOR VERIFICATIONS AND CORRECTION WERE CONTACTED BY EXPERIAN.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (TN)

I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX  this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX XXXX XXXX XXXX sent me a settlement agreement letter stating that the revolving Visa account in question would be settled and my credit report would be " coded as paid in full for less than full balance ''. I paid the agreed amount of {$5000.00}. They sent me the agreement letter, yet they neglected to code my account as " paid in full for less than full balance '' to the credit major credit bureaus as they promised. I have contacted the creditor XXXX XXXX XXXX several times asking for them to honor their agreement and I spoke with XXXX XXXX who holds the title of Member Solutions Counselor III. XXXX told me to dispute the account through the normal dispute channels for each credit bureau. I did just that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have uploaded and sent the settlement agreement letter to the credit bureaus. When the credit reporting agencies contacted XXXX XXXX XXXX, XXXX stated to them that the reporting was accurate and no changes were made. Currently the status of the account remains " Charge off '' with a balance of {$10000.00}. XXXX refuses to honor their written agreement. I feel XXXX tricked me into paying {$5000.00} and then did not follow through on their written agreement.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/18 I asked that they stopped calling as I told them when I could make a payment. This conversation was never recorded. They have continued to call 3-4x a day and said they have every right to. On the XXXX I did tell her I would file harrassment charges with you. Again she said this was notated. Tonight I spoke with XXXX that transferred me to XXXX that transferred to his supervisor XXXX who then transferred me back to XXXX who then transferred me to XXXX agent # XXXX. They all told me they had a right to call up to 4x a day until they received a payment.
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received a letter onXX/XX/XXXX stating that Chase LO on XX/XX/XXXX andXX/XX/XXXX did not require I submit income documentation in order to receive a Loan Estimate onXX/XX/XXXX which is incorrect. I had to submit Tax Transcripts onXX/XX/XXXX before I was able to receive the XXXX - see the attached emails. In fact, I had an appointment with one LO in XXXX XXXX branch onXX/XX/XXXX but he refused to take my application until I had all of the documentation on this Chase paper form. As a result, I went to the XXXX XXXX branch to meet with XXXX XXXX. He also required that I submit income documents before he would process my application and execute a XXXX.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2018 I went into BBVA Compass Bank to inquire about a 2nd chance Checking account. I had just come from the XXXX SSA branch receiving a SSI payment in the form of a check. I handed the Sr. Sales person that check endorsed, though prior to her getting up to go to a teller, she did not reveal that there would be a 5 business day hold on any new account prior to depositing the opening deposit check. When she came back, she informed me of that policy, and I said that I needed access today to the funds, as ND she asked if I wanted to " retract '' the deposit, and I stated yes. She went back to the teller, came back with a piece of paper, asking how much money do I need. I can't really know for 5 business days, but stated {$300.00}. Not once did anybody notify me of that " hold '' being overridden. I was never heard I guess, for once a owner of the account makes a decision, who has the authority to " over-rule '' the account holders decision? I never asked after my statement " retract the deposit '' for cash or anything else. I, XXXX XXXX XXXX XXXX own the account, not BBVA COMPASS!! IT IS MY DRIVER 'S LICENSE, MY ADDRESS, MY PHONE NUMBER, MY SOCIAL SECURITY NUMBER, NOT ANYBODY ELSE 'S, WHICH MEANS I OWN THE ACCOUNT.. 

I EXPECT THE CFPB NOT ONLY TO INVESTIGATE THIS MATTER, BUT ALSO ALLOW THIS I TO COURT FOR LEGAL ACTION AGAINST BBVA COMPASS BANK! 
I EXPECT THE CFPB TO TAKE ACTION AGAINST BBVA COMPASS 'S BUSINESS LICENSE.
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX