davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

i requested an increase on my kohls credit card through the website and was called days later to verify i requested an increase, i informed them that i had requested an increase, at this time i had requested an increase at least 7 times prior and have never had a hard pull on my credit. within 5 minutes of getting off the phone with the rep i get a notification on my phone that kohls has gotten a copy of my credit report. i then call back and ask them why there was a hard pull and why would they not disclose to me that there would be a hard pull before my credit was run and they state to me that they never disclose if its a soft pull or a hard pull. at no time did i agree to have a hard pull as the previous times there was never a hard pull its always been soft, at this point i was sent to the credit department and they explained to me that there was nothing they could do
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 the amount {$250.00} was deducted from my XXXX XXXX checking account without my approval. This deduction caused my payment to my account at XXXX XXXX  to be declined and subsequently my credit score dropped from a XXXX to a XXXX. Even though I have over draft protection on my account the charge was still declined. Corresponding with XXXX XXXX complaint # XXXX requested a letter from XXXX XXXX XXXX  stating the error and XXXX would resend the Late payment from the XXXX credit reporting companies to restore my good credit. The problem is XXXX XXXX will not issue the letter even though they admit to the unauthorized deduction that Caused the initial problem
Consumer complaint received 2023-12-29
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. (NJ)

I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNCOAST CREDIT UNION (FL)

I responded to the offer by opening a checking account on XX/XX/2023 and funding with a {$25.00} opening deposit on that date as per the offer. 

The offer was as follows : The participant must fund the account with a {$25.00} minimum deposit within 30 days of account opening and keep {$25.00} in the checking account for at least 45 days to receive the {$100.00} reward. Minimum deposit required for membership of {$5.00}. The rewards will be sent to the participant via digital gift card within 30 days of meeting the 45 day/ {$25.00} balance requirement. 

I fulfilled the requirement by leaving the required depost amount of {$25.00} for over 45 days. 
I did not receive the promised gift card reward.
Consumer complaint received 2020-05-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

On XX/XX/2020 I filled out an application for an mortgage on a mobile home. The loan amount was for XXXX. I offered XXXX down payment for an FHA loan. I was informed previously that my credit score needed to be over XXXX. I worked very hard on bringing my credit score up to more than the proper standard.when reviewing my application 21st mortgage XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free :  XXXX denied my application after advising me that my credit score was 639 though XXXX. She advise my application was denied but I can put down 10 % of the asking price. Just be advise that I did disclose my ethnicity on my application. I then inform Ms. XXXX that I could put down property that I own free and clear as collateral which was information that was given on the application as well she advise that i would have to resubmit a application which caused my credit score to drop. I resubmitted an application on XX/XX/2020 without disclosing my ethnicity on the second application got a response back from XXXX XXXX Direct Dial : ( XXXX ) XXXX Toll Free : XXXX Fax : XXXX XXXX whom advise that I also was denied but they had another loan option for me Needs upfront interview. Please call XXXX ext. XXXX An estimated loan amount of {$64000.00} or less, not including financed insurance and fees. 
I believe that this company has given me the run around reference to me trying to get a home i explain to them the urgency of me moving offered several thousand plus property as collateral. I believe that I'm being asked to put more than 3 % down that which FHA loan ask because I am a XXXX female  and Ms. XXXX was attempting to make it diffocult for me to be approval even after offering property that value over XXXX plus and additional XXXX.
Consumer complaint received 2020-05-09
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: CITIBANK, N.A. (LA)

XX/XX/2020 there was a credit inquiry on my credit report that dropped my credit score down 35 point. When trying to investigate the problem to explain this was not me and I do not recognize this inquiry. No success. Called 18 times. Stayed on hold for hours got hung up on twice before even speaking. So still havent even spoke with a agent. Im trying to build my credit and already have my preferred credit card. The fact that these people cant even answer the phone to bother tell me who or why they dropped my score 35 points. This is crazy. Especially when we have all this coronavirus going on. Im very disappointed that I even have to reach out to you guys. But again this is crazy.
Consumer complaint received 2020-05-10
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: FACTUAL DATA CORP. (NJ)

XX/XX/2020 hard inquiry The company ran a unauthorized credit report that is now showing up on my credit that I did not request. I locked my credit reports as to not have any new hard inquiries added.
Consumer complaint received 2024-10-29
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. (FL)

This morning, I discovered unauthorized inquiries on my credit report with no explanation as to why theyre there. I reviewed my credit report as usual, but this time, I found discrepancies out of the blue. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am urgently requesting a thorough review of the documents I sent to prevent further worry about this issue.
Consumer complaint received 2019-11-16
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. (AR)

On XX/XX/XXXX I disputed 3 non qualifying inquiries reporting on Equifax in the following letter below. Now I'm requesting the Agreement and or electronic online agreement signature with my signature on it that verifies or make these inquiries a matter of factual record. I understand that Equifax can not report Inaccurate incomplete reporting on my credit report. Furthermore, I understand that it is Equifax responsiblity to investigate and reinvestigate all requests made by the Consumer. And that reinvestigations must be conducted in 15 days. The consumer does not need to contact the original Creditor. That is Equifax job. I will be waiting on the response. If we can not resolve this matter amicably in 15 days as the FCRA requires for reinvestigations. I will be forced to sue you. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX Bank XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX v. Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No!

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (IL)

On XXXX I received a notice from Discover Bank that XXXX was no longer available to me because I enrolled in the service after XXXX. I had transfers in progress at that time which did not complete due to this action. Subsequently I opened a new bank account at a XXXXXXXX XXXX  and attempted to enroll in XXXX. I received an error message. I contacted Discover Bank to ask that they unenroll me from XXXX, which they said they had done. I tried to enroll in XXXX again via XXXX and received the same error as before. I asked XXXX to look into the issue, and they said a ticket was opened but there has been no response. I spoke with Discover Bank a few times and they would not tell me why XXXX was made unavailable or when it would be available again. 
I have communicated with others on XXXX and XXXX who have similar issues. 
XXXX ( XXXX ) I received a response from XXXX via XXXX that I should call their customer service phone number and spoke with someone who told me my phone number and email address were placed on a restricted list. They will not tell me why I was placed on the restricted list or how I was placed on the list and indicated that there isn't a way to get off the restricted list. 
I am not aware of any issues with transactions on my accounts or any fraudulent activity. 
I did speak with someone in the executive offices at Discover Bank who alluded to Discover notifying XXXX that a large number of accounts were fraudulent, and that this may have been in error. 
I would like to be able to use the XXXX service again but am unable to do so due to being placed on the restricted list. So far as I know I have not used the XXXX service in a way which would violate the terms of service or any regulations. 
I believe that there are many others in a similar situation and that this is due to an overzealous attempt to prevent fraud, but it has restricted my ability to send and receive money from friends and family. 
I request assistance in resolving this issue.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened the account at the beginning of XXXX, and I tried to Direct Deposit {$1000.00} from XXXX to HUNTINGTON BANK. I mistakenly sent the wrong directions, and after the banking message for one day grace period, I immediately deposited a {$2000.00} check into HUNTINGTON BANK. They took two weeks to review and told me my account was temporarily closed, and now I can not move any of my balance ; they used one week and still did not give me satisfying answers.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (AZ)

They promised to help with lowering payments. I have called multiple times to get help only to be ignored. I am now getting calls all hours of the day up until XXXX XXXX  at night and as early as XXXX XXXX. This is ridiculous! I have told them to stop and its not legal.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX check, written out to me for an unfortunate occur XX/XX/2019 auto accident, compel about {$5000.00} worth the vehicle repairs, was issue to me, and mine primary prospect attend Auto Body Mechanic ; Both names were printed on the check, although soon before, I did in fact, cancel the mechanic work performs regards the " primary shop mechanic '', and since there invoice for attention correct costs apply were malfunction. 
In order later, after the check was issue to me arrived me physical juris., I thought to save time and further inconvenience, apply make new check, at aftermath, shop malfunction event, regards " new chosen vehicle mechanic '', " have the check that was already issue, now, mine possession, " deposited '', into mine bank account, ... withdraw the funds when check clears, and then of just withdraw cash money, physically pay the new auto mechanic '' ; Sirs, after the approx. almost XXXX, check was in fact " cashed '', I did go and withdraw smaller amount of the exclaimed available funds, cash, and then soon later, attempt to gain the remainder, in order to complete pay the new mechanic at facility locate close by, off XXXX XXXX, XXXX, XXXX, as for then, unfortunately the bank informed me that relevant already cashed check had not been honored, and an " hold '' was placed on my account. 
I was caused XXXX, and upset at professional business to loss, by this unfortunate Well 's Fargo Bank 's malpractice event ... '' I call robbery '', by them, since Wells Fargo exclaim `` already clear '' that " insurance check '', provide me cash money, and allow relevant remain money register mine checking or savings account, then claim contrary matter, you ... '' mistakenly '' " cleared '' my check, ... Now then, 2019 you at Wells Fargo steal my money back. This cruel, and unusual, act by Wells Fargo, was outrageous and is unlawful, and now after XXXX XXXX military service detour, allows me be fit ready to further accommodate this acts of robbery by Wells Fargo, I must do so, ... and further request for here assistance by complaint administer to yours Sirs, CFPB, allow enforce justice to here obvious banking, crime.
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened a One Deposit checking account online with Citizens Bank on XX/XX/XXXX with a sign up bonus of {$300.00} to be deposited after one direct deposit of {$500.00} or more. Direct deposits of {$500.00} each were made on XX/XX/XXXX and XX/XX/XXXX, as well as additional transactions and activity such as withdrawals and transfers that were made through the end of XXXX. I withdrew the balance of the account, as another direct deposit was due to hit the account in less than 2 weeks. In that short time, my account was inexplicably closed. I received no notification, correspondence, or warning. I then called the corporate customer service line, who informed me they did not know why my account was closed and were confused that there was no reason indicated for the closure. All they were able to deduce was that it was not due to collections, which I already knew as I never had a negative balance. They suggested going into a branch to further investigate. I went into the branch at XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX and spoke with XXXX. At first, he was just as confused as the corporate customer service, as he could not see any reason as to why my account would be closed. After calling supervisors and corporate phone assistance, he told me that it was closed due to inactivity on XX/XX/XXXX. I argued that I had already met the requirements for the bonus and an account should not be closed due to less that 2 weeks of inactivity but he was unable or unwilling to do anything to remedy the issue.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I have struggled to get ahold of XXXX for over 30 days.. Sat on hold for XXXX hours over XXXX different days, sent multiple private messages and had no response. I was in the wrong repayment plan and now my payment is in an XXXX and its way more than I can afford. I am less than XXXX payments left on XXXX and cant get things straightened around. This is ridiculous.. I now owe over {$60000.00} on loans that were XXXX of that to borrow. Customer service is terrible, you cant talk to a human being to get help!
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

On XX/XX/XXXX, I had the balance of my student loans forgiven through the XXXX XXXX XXXX XXXX XXXX. My federal loans were serviced through Mohela. 

I found out a few days after that I had actually overpaid, and I would be issued a refund in the amount of {$1900.00}. At the time, I was told to allow the refund XXXX business days to make it to me. 

As of now, XX/XX/XXXX, I have not received the refund. It is over 90 days at this point and I have called Mohela at least 6 times, getting a different and unhelpful answer each time I call. I am getting so frustrated as I know this money is rightfully mine and Mohela just continues to brush me off. Anything you can do to help would be so appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC (GA)

I am filing this complaint against CKS Prime Investments. I called their office on XX/XX/19 to make a payment of {$4600.00} as this is the amount that they were reporting that I owed on my credit report. I was told that they no longer had the debt and they provided me the number to XXXX XXXX. I then called XXXX XXXX and was told that I needed to contact XXXX XXXX XXXX XXXX to make a payment as they were now the owner of the debt. I made an e-check payment to XXXX XXXX XXXX XXXX on XX/XX/19 for the full amount and was told that this would be reported to CKS Prime. The check cleared my account on XX/XX/19. I can provide my bank statement to validate payment. CKS prime has continued to report to all 3 of my credit reports and is updating the debt as unpaid and is unwilling to update their records. This is a violation of the CFPB and FCRA. I want this company held fully responsible for their illegal debt collection practices and prosecuted to the fullest extent of the law!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

On Thursday, XX/XX/XXXX, Citibank NA Best Buy made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. I mailed a certified letter via XXXX to Midland Credit Management on XX/XX/2019 and it was received on XX/XX/2019. I asked them specifically to provide proof that this alleged debt is mine by providing documentation that bears my signature and also a copy of the agreement that authorizes them to collect this alleged debt. They have yet to respond or remove this from my credit profile.
Consumer complaint received 2023-12-29
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)

Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).