davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MD)

Citibank has repeatedly frozen my accounts and placed fraud alerts although I have had ample funding. At one point I have been able to make certain transactions while others were denied. When I contact them via telephone, they are unable to send me text messages to the phone numbers provided in order to address any concerns. My debit cards have been frozen while I have been at merchants trying to make payments and the bank is unable to confirm my identify even with personal information which I am able to view online. The telephone representatives never provide any information on your accounts and you are unable to address any issues with the bank. They repeatedly tell me that I need to call back once I receive secure messages. I have provided them with my cell phone number and I am often told they need to call my work or another phone number which I may not have access to at the time. The wait times to address fraud activity is extensive and you are often left at merchants for extended periods while the phone rep fails to address the concern. I recently updated my account, received a new debit card and checks. I logged and the new account is missing. I have logged in to see secure messages saying that they tried to contact me which is false. I never receive any calls to my primary mobile phone regarding any suspicious activity and when I call no one is able to assist me. This has happened in excess of ten or more times. Below is the  message below I received via secure mailbox. 

" We have reason to believe that your Citibank Banking Card may have been compromised. We have attempted to contact you by phone to speak with you personally but have been unsuccessful. As a precaution we have reduced your daily purchase limit. Please contact us immediately in order to confirm your recent account activity and restore your purchase limit. This can only be done by directly speaking with our Customer Service department. Representatives are available to assist you, 24/7, at  XXXX. If you are calling from outside of the United States, please call collect at XXXX. ''
Consumer complaint received 2018-04-02
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. (NY)

There has been an ongoing issue with experian reporting false credit inquires on my credit report. I have been contacting them none stop as I find out about them I would like these fraudulent inquiries removes from my credit report at once and would like my credit score raised to where it should be. As this has been an ongoing problem and it's causing tremendous stress on me as I am XXXX and so is my child. Please removed the credit inquires and stop false reporting as I already stated several times I am a victim of identity theft. Inquiries that need to be removed are XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXquired on  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX acollector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The innaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars. 
The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the account and moved to another carrier.I was being billed heavily as I had added my girlfriend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good or adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Consumer complaint received 2018-04-03
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. (NY)

my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts removed from my credit reports
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by Priority Mail. I also sent two checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
Consumer complaint received 2017-10-31
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 — Investigation took more than 30 days
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (NC)

Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (GA)

I had a credit score and was alway paying my bill just great, until my idenity was stolen XX/XX/2016. I have closed 3 bank accounts -- as in closed -opened new one etc. My mail, my email, my ss cards, college transcripts, passport, passwords etc. all information stolen. My credit score dropped to XXXX. taxes are on hold now. I started a new job too during this. I am broke and working in XXXX XXXX XXXX. I have many charges which is not me. Thank you, XXXX XXXX Some person or people are being me and using my idenity while I struggle to start over.
Consumer complaint received 2018-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I spoke with Transunion on XX/XX/2018 in response to inquiries I never authorized and although I had requested assistance in getting these removed their customer service would not help and take care of the negative inquiries reporting to your credit report.
Consumer complaint received 2018-04-02
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: AMERICAN EXPRESS COMPANY (AZ)

I noticed that on XX/XX/2018 a hard inquiry was made to amex which I do not recognize at all. I am in the process of trying to improve my credit score and pay off account balances to purchase a home in the future. An amex card is one that I am not even ready to try and apply for. As this is hurting my score just a little bit I would like it removed from XXXX  and any other credit bureau that it may appear on please.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18
Consumer complaint received 2017-09-24
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. (IL)

My information was among those affected by the Equifax data breach. As their response has been lacking, ( executives selling stock before hack was disclosed, sending wrong information as to who has been affected, and not outlining any corrective measures ) I 'm complaining because I have had to freeze my credit reports in the hope that will my credit report from being abused. 

I had to pay a {$30.00} in fees to freeze all 3 of my reports ( XXXX, Equifax, and XXXX ).
Consumer complaint received 2018-04-03
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. (LA)

On XX/XX/XXXX I initially sent a written request to Experian letting them know that under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I advised them to not respond to my request by saying that these accounts have been verified. I asked them to send me copies of the documents that they have in their files that were used to verify them. Also, If they did not have any documentation in their files to verify the accuracy of these disputed accounts to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties They are damaging my reputation and credit worthiness. They accounts in this dispute are. 
1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX XXXX DBA XXXX XXXX XXXX The only response I received were they were verified. On XX/XX/XXXX I sent them a personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. 
It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. 

On XX/XX/XXXX I received a response from XXXX stating that the following accounts could not be verified and they were immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. 

The only response I received were that the accounts had been verified yet again. On XX/XX/XXXX. I sent another request to have them follow suit and delete the accounts from my credit report since they have not provided me any documentation of how they verified that these accounts are mine. The response I received was that they will no longer reinvestigate these accounts. They have violated my rights as a consumer. I will be filing a legal complaint if this is not resolved.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?
Consumer complaint received 2024-11-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp. (MA)

On XX/XX/2024 I went XXXX to Apply for a loan to do a lease buyout of my vehicle with XXXX XXXX XXXX. The amount was for {$50000.00}. Check and the odometer statement were sent to Stellantis. The check was cashed and it showed a zero balance on my account login. I was them sent a letter on XX/XX/2024 starting that Stellantis would not send out my title. I contacted Stellantis and got no answers of why and I now see on my account that they are trying to charge me another monthly payment ( {$990.00} ) on an account that has a zero balance. 
I have my wits end with this company for us been almost a month and a half since I have been trying to finalize this purchase.

It took almost 3 weeks to t someone to first tell me how the process works and now it's even longer to just close out this lease with them. 
This is not fair for myself as a consumer.
Consumer complaint received 2017-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : TransUnion : XXXX : To : TransUnion, XXXX, & XXXX. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, TransUnion, XXXX.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Tuesday, XXXX XXXX, XXXX between the hours of XXXX pm and XXXX pm ( XXXX XXXX I attempted to access my account at the following XXXX XXXX XXXX portal : XXXX : //verified.capitalone.com/sic-ui/ # /esignin? Product=Card. 

I entered my login information correctly and was taken to a page asking me to verify my Phone Numbers, Email, Employment Status and Income Information ( All of which are available from the credit agencies ). At this time, I did not wish to disclose any further information. Usually there is a button to pass by these surveys if you do n't want to answer the questions. However, on this occasion there was and still is not an option. In fact, the past few months I have been asked repeatedly by this company to disclose this information and I feel it is harassment. 

Because I can not get past this page without answering these questions, I am unable to log into my account. This has XXXX my ability to double check certain charges showing on my monthly statement that could be fraudulent. I was attempting to access my account to check for more information, so that I could report to them, if it was needed. Now I am left with no way of verifying the information. I am also not able to make my payment or file a complaint via the website. 

After not being able to access my account, I called XXXX at XXXX pm ( XXXX XXXX. The agent who answered my call, said that she could not help me gain access to my account ; leaving me only the option of answering the survey form. 

I have been an outstanding customer for this company. I pay my entire balance every month on-time and have done so for many years. Apparently, Capital One is not satisfied with my only using a fraction of my credit limit for any one month, making on-time payments and having an excellent credit score. Maybe this an attempt to get me to miss a payment, so they can earn interest and penalty fees. I do n't know, but it sure seems fishy. 

**This and many other reasons are why I have been writing my Congressman and The White House to ask for more restrictions on credit lenders. I urge everyone who reads this to do the  same and to spread the word among family members & friends. It is up to us to hold our government and the companies doing business in the U.S. accountable. I urge you to take initiative and get involved.