davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

Was double billed by XXXX for XXXX when I ask to see results of the XXXX was ignored eventually the sent it to collection agency that also ignored repeated requests to see results from this test to prove it was a different XXXX not double billed ignored and place on my credit report
Consumer complaint received 2018-09-05
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. (MI)

I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Clark County Collection Service (NV)

There is a $ XXXX medical debt through XXXX County reporting, cost is unknown as the financial department was to take care of the remaining balance years ago. I have disputed this account and nothing was ever investigated or provided to me. This is inaccurate. Please help
Consumer complaint received 2018-08-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments. The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (IL)

On XX/XX/2018 I XXXX  out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Consumer complaint received 2018-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

I had 2 XXXX loans in repayment through XXXX  education services. One I repaid in full the larger was being paid on and in good standing for 7 years. I went online to pay a monthly payment and it was not on their website. on XX/XX/XXXX I called XXXX only to learn that the remaining 4200.00+ had been taking over by Navient . I called them and the woman on the phone told me that I had a balance on XXXX. When I inquired about it, I was told it was also a sallie mae loan which I did forget about and was my fault. I asked to make my payment on the smaller one which was transferred to them and I would make arrangements with the larger one. She said she could not do it because it was all being sent to collections. My question to her was, " how can you send both loans to collections if the smaller loan was being paid on through XXXX  on time ''? Navient would not let me pay on either one. There has to be something illegal about this? The sallie Mae loan was on my credit report up till XX/XX/XXXX and fell off, now they are going to obtain an old laon and try to put it back on my credit report as a new loan which I have tried to set up a payment with them, which they will not let me do?! They are already in a lawsuit for this type of unfair business practices now. 
( XXXX # XXXX )
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a P, O, Box in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX doctor  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Consumer complaint received 2020-03-07
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. (IL)

On XX/XX/2020 XXXX  reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has been advised repeatedly since the end of XX/XX/XXXX my XXXX credit card is a Closed account. XXXX has told me and written to myself and Exprian the account is closed and has been close for over 2 years. When the FACT the account is closed not open is pointed out Exprian only updates my outstantding balance owing never corrects the STATUS TO REFLECT MY ACCOUNT IS NOW CLOSED. This error is affecting my credit score because it looks like I am using more credit than I have access too raising the % of usage to over 30 %. The reality is I am using less than 10 %. Exprian refuses to accurately report the XXXX card as a closed credit account. They report status as open per a report date of XX/XX/XXXX ignoring the repeated reports the account as closed since the alleged report date of XX/XX/XXXX. Please see letter from XXXX on XX/XX/XXXX clearly reporting account CLOSED. The attached documents demonstrate it is EXPRIAN that is refusing to report my credit accurately. I have noted on attachment the proof and false reporting by Exprian. Please help me get Experian to accurately report my credit instead of ignoring current status as requested and reported to date by me and my creditor. Thank you.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC (UT)

pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (TN)

On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION, XXXX, XXXX ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-08-19
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. (GA)

I have contacted TransUnion for the past 6 months about the 2 fraudulent Bk 's and a collection account on my credit. I have reported the fraud to the FTC and provided TransUnion with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the 3 fraudulent accounts/errors remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (WA)

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. Caliber Home Loans  purchased the account from XXXX after bankruptcy was filed. Caliber claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted Caliber on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. Caliber said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that Caliber Home Loans, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
# XXXX - they have the filing date as " XXXX/XXXX/XXXX '' - this date does NOT exist! 
They have " XXXX CT '' for the name of the court - that is NOT the name of a court and it must be accurately and completely listed! This is also required to state bankruptcy court [ city, state ] Where liability is listed, it should state numerically - this states " A '' Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 Equifax 's response clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX XXXX that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the tax liens is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
Consumer complaint received 2016-09-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

Thank You
Consumer complaint received 2017-01-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I have XXXX different federal loan service providers : XXXX and XXXX XXXX. I applied for a forbearance on my loans until XXXX. XXXX was relatively easy but XXXX has been really complicated. XXXX XXXX is the service provider for my perkins loans, I filled out the form needed to apply for forbearance as directed and mailed that out. When I spoke with a customer service representative from XXXX last week, they said that the form had been received and to keep a look out online for my account to be updated. This week, I end up getting a message from XXXX saying that I had been approved for a forbearance with the exact dates I had requested for my XXXX XXXX ( which is serviced through XXXX ). I dont know how but there was a mix up and when i tried to talk with XXXX customer service they said they had nothing. They didn't try to help me trouble shoot, they basically told me that the notes on the last call I made claimed that they told me no forms had been received XXXX which was not what happened XXXX. Ultimately, I dont know where the mix up happened but XXXX XXXX is making it really difficult to get things in order so that I won't have a late payment. I tried to do all this to avoid a late payment on my XXXX XXXX and they've just made things so much more difficult.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (NM)

Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I had credit card with XXXX XXXX XXXX XXXX. They charged off this debt and sold it to debt collector. I settled with debt collector. However, they reported that I failed to pay in XX/XX/2018 even though it shows {$0.00} balance and account status as closed. 

I had similar issue with XXXX Bank. They charged of this debt and sold it to debt collector and it's still reporting past due amount of {$1500.00} as of XX/XX/2018 even though status says closed and charged off. 

They keep updating these periodically damaging my credit and it seems there is nothing I can do about it. Please help me. 

If you look at my credit report as of XX/XX/2018 you will see both a past due amount and account status as closed and payment status as charged off.