davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX of 2023, I tried to make a payment ( s ) to my capital One account ( s ) and my bank ( for what ever reason ) declined the payments. Capital One closed both of my accounts, with out informing me, Then they keep trying to charge me for those accounts and hurting my credit score. when they closed my accounts i had a total debt of around {$500.00}, and now have raised the debt to {$1200.00} for no reason. They keep charging me for a service they refuse to provide. I can not pay in good faith for a service they will not provide. After numerous attempts, Capital One refuses to assist me to fix this problem.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (GA)

I have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.
Consumer complaint received 2020-09-21
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. (TX)

XXXX XXXX XXXX XXXX  continues to report on a closed account that has been paid in full.. And is still reporting this account on all 3 credit bureaus as delinquent every month. This account was paid through XXXX XXXX in the amount of {$66.00}. who I contacted and was told that XXXX XXXX needs to stop reporting to the 3 credit bureaus. and update paid in full. I contacted XXXX XXXX and the customer service told me there is nothing she can do, I need to contact XXXX, I feel that I am been lead around in circles..
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

In early XX/XX/2020, as we were considering refinancing our home mortgage, Quicken Loans approached me with match or beat offer ( attached ) directly addressed to me with their rates and numbers. Subsequently, I inquired XXXX XXXX XXXX their vp and others ) to find their most competitive rate. They were not very cooperative and kept referring to the rate of 3.316 % APR as written in the attached offer. 
However, I received better rate ( 2.75 % ) from another vendor ( XXXX XXXX XXXX ) and recently closed the refinancing with them. 
Following their instructions of the Quicken Loans Match or Beat offer, I submitted all the requisite papers to claim the small {$250.00} reward they promised. After much wasted time, an employee XXXX XXXX XXXX XXXX refused to provide me the {$250.00} reward with the excuse of not finding any record of my interactions with their people. As you may see in the claim offer, nowhere they said I needed to provide the logging details of my interaction as most of these people always insisted on communicating the numbers on the phone and not in writing which itself is very shady and unprofessional in nature. This employee admitted that no recorded logging and conversations were needed. 
Despite explaining all these, the Quicken rep XXXX XXXX XXXX kept refusing to honor the reward with excuses of not finding the record. I am attaching another email herewith from another quicken employee XXXX XXXX XXXX on this matter to show a proof of interaction. But since these people refused to provide any additional written refinancing rate term ( other than what I attached here in the match and beat offer XXXX, it is not possible for me to submit additional rate offer. 
Recently, I found out they will not give me any rate info without a formal application and running a hard credit on me which is unheard of and very unethical as an applicant must know the specific numbers, terms and conditions and accept before any application. I have provided them all the numbers of my financial information they were looking for, but did not get any written offer beyond the attached offer. 
As you can see that this ( including this match and beat offer ) is nothing but a very fraudulent scam by Quicken Loans. We need your help in stopping this scam and they must be forced to honor and provide their numbers and terms and conditions prior to any formal application or credit check as all any other reputable institution does.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian Report ID # XXXX I contacted Experian in XX/XX/2023 and XX/XX/2023 to dispute the items directly online. Some of the items are unable to be disputed online. 

XX/XX/2023 : I contacted Experian via USPS mail requesting to dispute and update my name, address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address ID # : XXXX, XXXX, XXXX. 

In XX/XX/2023 : I disputed an account in collections as it is not mine and belongs to someone with a similar name. I provided Experian with the proof of my identity, as well as the insufficient verification documents provided by the collection agency. The collection Agency did not verify the account ownership. They sent me a copy of the credit card statement, which does not prove ownership. Therefore, Experian should be required to delete the account. 

In XX/XX/2023 I provided Experian with a copy of my social security to confirm my identity and delete the XXXX social security numbers currently listed on my credit report. What is currently listed belongs to my XXXXXXXX XXXX children. 

I have attached a copy of my social security card, my state identification, a copy of my experian credit report with the incorrect information and a copy of the verification documents I received after disputing the account in collections directly with the current servicer.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: U.S. BANCORP ()

I have received a secure message from US bank as I attached the email. 
But the site is XXXX XXXX site. 
I tried to register as a member on cfpb 's site, but I couldn't do it. 
Also I tried to login on your site with the password what I got impormation from U.S. bank but it didn't work. 
Please let me know why it is not U.S. bank 's site, and I sould follow the direction or not as soon as you can then I'd really appreciate it. 
Thanks XXXX XXXX
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

On my credit report I have a closed account with prestige financial services also known as pfs. Well the account was closed XX/XX/XXXX. Well there reporting it was closed on XX/XX/XXXX which isnt true. Also the account was written off. On a closed account they arent supposed to be accumulating interest or late payments since the account is closed. Under FCRA it is in Inaccurate and must be corrected or taken off my credit report. Also According to the IRS and debt over {$600.00} the company is supposed to send you a 1099-c which I havent gotten under the consumer laws
Consumer complaint received 2023-07-23
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)

I have contacted TransUnion credit reporting agency in regards to this matter to dispute the claims of past due balance reporting false and negative info on my consumer report. The information keeps reporting after several attempts to correct this problem.
Consumer complaint received 2020-08-21
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. (TX)

I have disputed XXXXXXXX XXXX XXXX off of my credit but Experian keeping it on my credit. These are false accounts i have nothing to do with. Experian is violating my credit rights.
Consumer complaint received 2020-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I did a refinance of my mortgage and Rushmoreoan Management Services obtained my loan. 
On XX/XX/XXXX, I contacted them to advise my home owners insurance had not been paid. 
Last week I spent over 3 hours on the phone trying to get them to pay my insurance from escrow fund that has over {$3000.00}. 
I talked to sever supervisors and they said would escalate my problem. 
XXXX XXXX advised me my insurance has expired. They contacted Rushmore to try to get insurance paid. As of today they still have not paid it. My loan number is XXXX and loan is XXXX XXXX XXXX. I would like to report them and get them to pay the insurance from escrow that has funds available.
Consumer complaint received 2022-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (DC)

I submitted a complaint regarding Aidvantage to the CFPB on XX/XX/XXXX. The CFPB and Aidvantage did not resolve my complaint. 

Aidvantage has been communicating to borrowers, including me, suggesting the urgency of enrolling in autopay. They then scheduled student borrowers to begin automatically making payments in XXXX despite the federal freeze going until XXXX. 

I have now received an apology from them saying they failed to send me info about my account in XX/XX/XXXX but they are sending it now. See attached image. The communication clearly is about me being enrolled in autopay but it also mentions the federal freeze. 

It is clear now that Aidvantage failed to notify borrowers of their enrollment in autopay because the company knew many borrowers would unenroll if they were away of the federal freeze on payments and XXXX intention to ignore it. 

CFPB needs to actually take action.
Consumer complaint received 2023-07-23
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services (PR)

On XX/XX/XXXX XXXX XXXX XXXX XXXX contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay XXXX payments of {$390.00} and {$72.00} each month for XXXX months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX  and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BofA VISA # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX  XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with XXXX XXXX XXXX # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' Please see the link below : XXXX XXXX XXXXXXXX # e-1 According to section ( f ) : " If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall : ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; '' Bank of America is refusing to provide me with documentary evidence on how they have been able to determine this transaction was not fraudulent. 

I, hereby, request Bank of America to either provide me with documentary evidence used to reach this decision in their investigation, or reimburse me for the fraudulent charge in the amount of {$9300.00}. 

According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously with a copy of the police report, as well as any additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-XXXX  XXXX
Consumer complaint received 2020-09-21
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. (CA)

I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

CitiMortgage embezzled a total of {>= $1,000,000} from me and my now ex-husband in a fraudulent loan meant to steal all of our assets and make us beholden to them so we could not escape the debt trap. This loan was found to be fraudulent by the DOJ and CITI agreed to retribution but they did not pay us retribution. They foreclosed. 

Here is what they did. 

XX/XX/XXXX Completed a fraudulent mortgage application with the following frauds : 1. overstated the assets by $ XXXX so we qualified for double. 
2. removed property tax so debt/income ration was 'better ' 3 understated monthly payment by {$2400.00}! 
4. removed escrow requirement to get monthly payment to income ratio down 5 'cooked the books ' by changina 2 to a 7 to add {$500000.00} to assets 6. removed intl moving costs from debts to get assets up 7. ignored $ XXXX  in repairs noted on appraisal to get house price down 8. Gave fraudulent second shell mortgage to get their profit up. 
9. at closing the family was made penniless proving the mortgage was inappropriate for the family.

10. Intl. wire fraud as we were in XXXX  at the time of application 11. when we were unaable to make the mortgage payments they approved a $ XXXX HELOC in a process known as 'looping ' to make us unable to get away so they could bankrupt us and then foreclose to make the maximum profit. 
12. AFTER they signed an agreement with the DOJ admitting to this fraud and agreeing to relief for us the APPLIED FOR FORECLOSURE INSTEAD. 
13. They auctioned off our house for $ XXXX but wouldn't drop our mortgage to $ XXXX and let us keep our house after they defrauded us over over {$1.00} XXXX!!

14. Lied and refused to follow the agreement with the DOJ 15. In  XX/XX/XXXX they sold the loan to 'hide the body ' and make the fraud impossible for me to trace as they changed the mortgage loan number into a bundle number. 
16. They pulled all traces of the sale of the loan into the bundle that they sold on off the internet so myself and anyone else in that CMSI REMIC BUNDLE had no idea their mortgage was sold. It was putting concrete boots on this loan. 
17. When I complained to the CitiMonitor set up by the DOJ they informed me that CITI had refused to cooperate on the monitoring of my loan!!!! 

Embezzled {>= $1,000,000} between XX/XX/XXXX and XX/XX/XXXX 2019
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

I r

equested a few weeks ago to close my checking account with Chase Bank, because the account has the wrong name on it, and they weren't satisfied with the documents I provided them to demonstrate my correct legal name. I requested at that time that they mail a check to my *legal* name as shown in the court order I provided, since I won't be able to deposit a check if it's not to my correct name. They put the account in pending status, and then told me that they couldn't mail a check to my legal name. At that point, I asked them to instead let me transfer the funds on my own to a linked bank account, since they weren't able to provide the check with the correct name on it, and I wouldn't be able to deposit a check with an incorrect name. They are now refusing to send a check in my legal name and
refusing to transfer the funds to my linked bank or let me transfer those funds, making it impossible for me to get my money out of the account.