davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

In early XX/XX/2018, I tried opening an account with Citibank and was approved online. Following that, I got letters about my account number, a signature card and providing a state Driver 's License/ID. I immediately responded with a state ID and driver 's license and the signed signature card. I need the debit card to actually use the account and deposit into it as it's required for registration online. Nearly a month goes by and today I call Citibank to ask why I haven't received any feedback or my debit card. It turns out they " rejected '' my ID and DL for being " too dark '' and that they couldn't " read '' it. They were perfectly legible and I think this is a deliberate strategy on the part of Citibank to structurally prevent people from opening accounts. I tried opening a Citibank account years before where I faxed the same ID or DL five times because they kept claiming it was " too dark '' and they couldn't " read '' it. I have faxed a lot of material to banks and other companies over the years and only Citibank has this problem. The customer service agent I talked to confirmed this as he said a lot of IDs were rejected and this was the most common reason. This is deliberate discrimination and I have really soured on doing any business with Citi because of these types of games. I expect this to be corrected or me and my spouse will cancel all our credit cards as Citi is the worst.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: KEYCORP (IN)

( Short version ) A cashier check from Key Bank was issued to me in the amount of {$5400.00} for a mortgage credit balance as of XX/XX/XXXX. 

This cashier check was dated XX/XX/XXXX. The memo line on the check identifies as credit balance to my mortgage account number. 

On XX/XX/XXXX, this cashier check was cashed by my personal bank, XXXX XXXX XXXX. This is the bank where my checking and savings account is held On XXXX XXXX, XXXX XXXX XXXX was informed of a stop payment on the Keybank cashier check and in turn XXXX   told me this. 

No reason as to why ... .Initial thought was it being cashed 30 days past issue date requireing a replacement check. Prio to cashing the cashier check, I walked into a local Keybank where the branch manager confirmed the check was still valid. 

From XX/XX/XXXX and up until XX/XX/XXXX, many calls were placed to Keybank and their representatives. Nobody could give me information. The only progress made was when they asked me to fax them information that the check was cashed. I did so, but again, no answers. Not until XX/XX/XXXX when I called and informed them I wanted an answer by the end of the day because I was filing a claim. Finally ... .. information. 

I was told by a supervisor that the information she had was the cashier check was sent in error and my attorney was advised of this and not to cash it on XX/XX/XXXX. Yes, the date was repeated at my request. 15 days after it was cashed, I am told my attorney was advised not to cash it. 

I havent heard from my attorney since XX/XX/XXXX and last conversation we had was he hadnt heard back either if the check needed to be reissued. 

For 2 months my checking account has been held hostage with a negative account balance. It has incurred over {$300.00} in fees. Just recently, encompass has set it aside so I can use my account until Keybank honors their cashier check. 

Please re-issue this cashier check and honor it as it was issued on XX/XX/XXXX.
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

The Money Source aka TMS, paid my taxes for XX/XX/XXXXafter they were already paid in closing. TMS was refunded in the beginning of XX/XX/XXXXfor those XX/XX/XXXXtaxes and then paid my taxes in XX/XX/XXXX and filed incorrect XXXX  's for XX/XX/XXXX and XX/XX/XXXX. When brought to their attention and asked for them to file corrected ones for XX/XX/XXXXand XX/XX/XXXX, TMS customer care said no go see a tax advisor. 
I then emailed and in writing de-authorized them to service the escrow account and demanded it closed. They said no they wont close it that it is a VA loan and it is mandatory. I explained to them that the VA does not required or have mandatory escrow accounts for their loans. I explained that I did not apply to TMS or refi with TMS that they assumed my loan and must accept all terms and conditions. I explained that on page 4 of the loan disclosure that escrow was not mandatory for the loan and that I voluntarily accepted it and that it does sate that I may cancel with out stipulations. They told me again no they will not cancel my escrow accounts that I can refi with them or to make escrow payments or they would file against my credit reports.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (IL)

Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX # XXXXxxxx
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

I signed up with this company and was misled as to the rates and fees that would be attached to this '' line of credit '', which effectively acts like a running payday loan with ridiculous fees. 

I have paid the principal amount of the loan ( {$480.00} ), and requested that the account be closed and considered paid in full. This was in an email sent on XX/XX/2018. 

The company insists that their practices are legal due to them operating on tribal grounds, and that California 's consumer protection laws are not applicable to them. This is in an email reply from them on XX/XX/XXXX. 

Their statement in the legality of the line of credit : " MobiLoans , LLC ( " MobiLoans '' ) is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an " arm of the Tribe, '' and entitled to sovereign immunity and therefore not subject to any state laws. '' I'm not sure what else to do. Any help you can provide will be greatly appreciated. 

Thank you
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (FL)

Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.
Consumer complaint received 2018-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

2008 the loan was taken out. Predatory Loan company Navient. Have resently been hit with a huge financial burden. Unable to pay. Have veen paying on and off for the 10 yrs of the loan. 
Using a debt relief program. 
Harassing Cosigner to no end. Have refered company to XXXX XXXX. To no avail, they are harassing cosigner. 
Life of loan I was never offered adjustments in payments that could realistically pay off debt. 
Now as my parents are XXXX and XXXX they are being harassed by lenders i never had to use in the first place.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  XXXX   and equifax
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (GA)

I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. XXXX, Equifax, and XXXX have unlawfully and incorrectly reported the following accounts without my expressed authorization : XXXX * ( XXXX ) Account Name : XXXX XXXX OF XXXX Account XXXX : # XXXX EQUIFAX * ( XXXX XXXX Account Name : XXXX DEPARTMENT OF XXXX Account Number : # XXXX XXXX * ( XXXX ) Account Name : XXXX XXXX XXXX Account XXXX : # XXXX * ( 4 ) = ( 4 accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.
Consumer complaint received 2023-06-07
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. (MS)

Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Experian, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I contacted Portfolio Recovery Associates, LLC to validate a mark on my credit profile that I did not have any clue about. Portfolio sends me a letter with and old bill from a XXXX XXXX account from 2013. I called the dispute department and explained that this account was settle with XXXX XXXX and asked if they could delete this from my credit. 
I was told that they did not have any record of me paying XXXX XXXX and I am responsible for a {$510.00} debt. Portfolio did offer to settle the debt for a smaller rate. I agreed to settle if the company would delete this from my credit profile. 
According to the representative this was going to happen. I did my part, but the company did not honor their portion. 
I already feel that I am paying for a debt that I took care of 5 years earlier. Now I feel that I just was robbed by this company.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was instructed to pay a vendor at the request of what I later found out was an imposter. My cashiers check of {$3600.00} went to a Chase bank account XXXX routing XXXX XXXX XXXX. My bank and Chase seem to have no interest in pursuing this
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (OH)

Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX Balance : {$130.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$580.00}, XXXXXXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.