davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

To whom it May concern Dear Sir/Madam Recently in XXXX my student loan servicer XXXX, account # XXXX, transferred my loan remaining loan balance to another student loan servicer Edfinancial, acct # XXXX. 
I believe this XXXX student loan transfer to a different servicer Edfinancial was only done for financial reason since XXXX was aware my employer XXXX XXXX XXXX  who had contacted them was in the process of paying of my loan balance with XXXX through a special student loan payoff program for federal employees. 
My employer notified me beginning of XXXX they had received notification communication from XXXX that my student loan balance had been transferred to Edfinancial. 
After registering my account with Edfinancial thereafter ; on XX/XX/XXXX, I reached out to Edfinancial for a Loan verification letter to update my loan payment application with my employer, as per my employer. I spoke with customer service rep XXXX requesting a loan verification letter and that I wish for it to be sent to myself electronically via e-mail same day, ( This is something I have always requested and received from all my previous other student loan servicers including XXXX ). 
However, on this occasion Customer rep XXXX advised me the electronic letter would take 7 days to be sent to my e-mail. He didnt not offer any reason for this length of time to issue details Edfinancial easily have on hand. After waiting 10 days not receieveing anything ; Today XX/XX/2024 I reached to Edfinancial again for an update. This time I was advised by another customer rep XXXX that the wait time for an electronic loan verification letter is 7-10 business days. 
This is totally fraudulent business practices on the part of Edfinancial student loan servicer, it would seem to me they are deliberately dragging out the time my employer could attempt to pay my remaining loan balance whether for receiving more interest and having me with them long enough to register an account and start the repayment process to get some kind of federal credit with amount of people in there system in repayment status, Im not quite sure but I do not it is to gain more financial leverage from people whom Edfinancial is there loan servicer. 
I am requesting your help, and investigation on the matter, both from expediting consumers loan verification letter requests and payoff process, from this unscrupulous student loan servicer.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schaefer Legal LLC (CO)

XXXX ) Non-profit organization established in the State of Colorado exempt from the Colorado Common Interest Ownership Act representing themselves as a XXXX XXXX. XXXX ) We have provided a rebuttal to each invoice the organization, XXXX XXXX XXXX XXXX XXXX XXXX, has issued citing terms in the XXXX & XXXX that were violated. XXXX XXXX XXXX employed XXXX debt XXXX and XXXX lawyers prior to having a statutory XXXX placed on our property. Claim, crossclaim, and counter filed in XXXX XXXX XXXX in Colorado. XXXX issued XXXX XXXX Order which forced Opposing Counsel to reissue claim due to factual errors by Opposing Counsel but has not been accepted by Judge to date. OC changing from statutory XXXX to judgement XXXX. XXXX ) XXXX contacted our mortgage holder, XXXX XXXX XXXX Bank, stating that they had filed a lien against our property and were moving to foreclose on the property if they did not pay off the amount due. At no time did they inform XXXX that they would need a judgement as the statutory XXXX was spurious ( no statutory authority, not requested with State Regulators, and attempting to collect non-awarded legal fees ). XXXX issued a letter to XXXX on XX/XX/year>, demanding an amount due which was not supported by invoice or Delinquency Notice and, demanded payments on properties not covered by XXXX ( mortgage ). XXXX reissued letter on XX/XX/year> to XXXX demanding an amount significantly increased as they moved charges from XXXX property to the property covered by the mortgage. The amount in that letter is not supported by invoices sent from the Associations CPA. XXXX ) We believe that the XXXX ( XXXX ) was in fact attempting to mislead our mortgage company into paying a significant amount of what their client was demanding and all legal fees which have not been awarded and would then withdraw their claim with the courts. This would prevent them from having to address the spurious XXXX. XXXX and our counsel discussed the fact that we would proceed with our counter claims and concluded that XXXX would reissue their claim to remove inaccurate information. XXXX ) OC has neither removed the spurious lien from our properties nor have they attempted to revise or revoke their demand for extraordinary payment from our mortgage company. XXXX ) OC ( XXXX ) was recently issued a public censure violating XXXX XXXX XXXX ( c ) ( it is professional misconduct for a lawyer to engage in conduct involving dishonesty, fraud, deceit, or misrepresentation ). The case file is public per C.R.C.P. XXXX ( a ). We believe that she also provided dishonest, fraudulent, deceitful, and misrepresented information to our mortgage holder to advance her own financial position. She did not rely on information provided to her by others as she had the facts and figures from her XX/XX/year> letter and previous debt collection action, our response, and her validation. She was also well aware that she had filed a legal action that contained inaccurate information.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (TX)

I am able to access my Chime account via website and mobile app. I can alter password, contact information, and all other security profile information. I can execute transactions both within the Chime account and with the external bank accounts I have added to the platform. 

I can not close my account. All account closure requires me to disclose my Social Security number to a customer service rep. I will not do this under any circumstance. It is clear that the reps are poorly trained, poorly supervised and likely not US based. I've made 20 calls and spent several hours trying to close my account today with no success. 

They are intentionally creating barriers to close accounts that are put in place to discourage account closure IMO. If the disclosure of my SSN was necessary for account security it would be applied consistently across the platform. 

Account closure should not be MORE SECURE than making transactions on the account. 

I've made 20 calls to their customer service, I've recorded 18 of them. Not one person was able to close my account successfully or provide any instruction on how I may do so. Not one person was able to give me instruction on how I proceed with arbitration defined in their member agreement. 

I just want my account closed and I'd encourage Chime to enhance their security platform wide and not just for account closure.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX is reporting old outdated information that it's more than seven years old on my XXXX credit report. When I was in a forbearance pre-modification in XXXX, pre-covid. | was making my torbearance payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX and Equifax continues to report derogatory information on my credit report. 
That is more than seven years old also.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America is reporting old outdated information that it's more than seven years old on my XXXX credit report. When I was in a forbearance pre-modification in XXXX, pre-covid. | was making my torbearance payments to Bank Of America and Bank of America and XXXX continues to report derogatory information on my credit report. 
That is more than seven years old also.
Consumer complaint received 2022-02-17
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. (PA)

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX  days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (OH)

MY NAME IS XXXX XXXX XXXX XXXX todays date XXXX Have looked at my credit report and I have seen multiple fraudulent inquiries on experiAn XXXX and XXXX I have not authorized permitted or gave any permission for any of these inquiries. By FAIR CARES ACT LAW us code 1681c-2 and 1681s 1679c disclosure 1681g 1681b permissible purposes of consumer report 12 USC 55334 response to consumer complaints and inquiries LIST OF FRAUDULENT INQUIRIES EXPERIAN XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

I went into the US Bank branch in downtown XXXX XXXX on XXXX XXXX and inquired about opening a checking account since when I looked online they seem to have good customer service. After going through the whole process with one of the people at the branch opening account, they never got the login to work on the app or online but they said it will be fine and then just try to call later. When they asked how I would like to fund the account I said I do not have cash with me but I do have the money orders that I was planning to deposit into my other account with XXXX XXXX. She said money orders are no problem. You can use them to deposit with us and it'll be available tomorrow. After I deposited them and then contacted the customer service to get help with the login. I was contacted back later by some supposed fraud department. The person was extremely rude and accusatory and basically asked about two or three questions and then you said you know what we're just going to close your account then. Twitch I said that's pretty unreasonable but okay I can go back to the branch and then get the money orders since I have not had Any access to the account nor login and only had a temporary debit card that was not working either. I was refused that solution and told both in the branch to just contact the fraud department and the fraud department person said no. There's nothing you can do. We're going to just mail you a check for the amount. The check has never been sent. I have since moved from that property and it's been at least since XXXX of last year and the check is still not been sent and no follow-up via email phone or physical mail at all. I basically had given up any hope of trying to get my money back from them and kind of just forgot about it until somebody mentioned to try to file a complaint with you guys or another entity to get a response from the bank. So I'm hoping this will help get them to actually do what is right and just simply send me the funds that have been held hostage for nearly a year.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries are unauthorized and I am victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

1. My balance on Wells Fargo Visa, that I have had for 30 years, according to my rolling balance was a bit above the credit limit on XX/XX/2024 ( $ XXXX {$32000.00} ). 
XXXX. I paid the rolling balance of the credit card, {$33000.00}, with a transfer from XXXX XXXX on XX/XX/2024. 
XXXX. Wells Fargo posted the payment on XX/XX/2024 to my credit card acknowledging the payment of {$33000.00}. 
XXXX. I did not realize that Wells Fargo had " frozen '' the cards credit availability until I was on a trip abroad and I was declined for a minor transaction. 
XXXX. I called Wells Fargo immediately to determine a cause to the issue and was told I would need to check with XXXX XXXX I inquired with XXXX XXXX  and they said the transaction had gone through with no issue. XXXX XXXX  told me Wells Fargo had the payment I made on XX/XX/2024 and that it posted XX/XX/2024. 
XXXX. I called Wells Fargo back, several times, and was told that no one really " understood '' why my credit was " frozen ''. On one of the last calls I made I was told that I could submit " proof '' that the funds I paid my Wells Fargo credit card with were actually mine. I was also told that my credit would not be relinquished until XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt-Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts. XXXX. ) XXXX Formerly XXXX XXXX {$15000.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. ) XXXX of XXXX XXXX XXXX {$22000.00} XXXX. ) XXXX XXXX XXXX XXXX {$210.00} XXXX. ) XXXX XXXX XXXX XXXX {$860.00} XXXX. ) XXXX XXXX XXXX {$750.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am formally filing a complaint against XXXX XXXX regarding a collection account that has been erroneously reported on my credit report. I respectfully request that the CFPB intervene in this matter and facilitate the removal of the XXXX XXXX collection account from my credit report. XXXX XXXX XXXX Balance Owed : {$340.00}
Consumer complaint received 2024-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A. (FL)

I have been banking with Citibank since XXXX and have had several mortgage loans and a HELOC over the years. The mortgage loan and HELOC were paid off in XX/XX/XXXX. 

In XX/XX/XXXX, I applied for a {$100000.00} HELOC on my current primary residence ( in Florida ) to fund a special assessment on my condominium property. The application process was arduous ( for the amount of the loan request ). Citibank requested many additional documents, which were provided promptly. My credit details were : 1. Credit Score > XXXX 2. Loan to value less than 10 % ( Citibank appraisal of {$1.00} XXXX ). 
3. No existing mortgage debt ( subject property is free and clear ). 
4. Own a second home free and clear ( value of {$670.00} thousand ). 
5. Income is derived from two pensions, Social Security, part-time work, and income/dividends from investment accounts. 

My credit history is unblemished, I good liquidity, low debt and a good net worth. 

A counteroffer was made at {$38000.00}, apparently based on the fact that my debt-to-income ratio was too high. I contacted the mortgage representative and indicated that I had {$220.00} XXXX in liquid assets and {$1.00} XXXX in an IRA with XXXX XXXX, which I felt had not been considered in their analysis of the loan request. Furthermore, I indicated that I would have to take Required Minimum Distributions from the IRA beginning in XXXX which would be approximately {$75.00} to {$80.00} XXXX annually. I also stated that funds in the IRA could be withdrawn at any time without penalty to support payment of any debt. 

On XX/XX/XXXX, the HELOC request was declined for : 1 ) Insufficient income for the total obligation and 2 ) Insufficient Citi banking relationship for the loan request. 

I believe that Citibank 's underwriting practices are discriminatory in that other sources of income such as withdrawals from IRA accounts whether discretionary or required are not taken into consideration, and that accommodation is not made for such potential source of income. 

Subsequent to the decline of the HELOC application, Citibank has sent me two mortgage loan offers ( up to {$2000.00} off on closing costs ). This seems incongruent and is insulting.