davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my dad 's bank account on XX/XX/22 for a reason only they know. I am a POA on the account and have been assisting him with managing his finances. The bank account was used regularly to pay for his assisted living, medication, and received regular direct deposits from SS, his retirement account, his long term care insurance reimbursements, and had a balance in excess of $ XXXX for years, as far as I know. On XX/XX/22 I learned it had closed when the check for his assisted living facility bounced. Citibank informed me the bank account had been closed by them, but would not reveal why. I was able to get them to reopen the account, but they refused to refund the account. To date, despite reopening the account nearly 2 weeks ago, it continues to have a balance of {$0.00}. Citi claimed to have overnighted a check via fedex on XXXX for the full balance to my address, so I could deposit it back into the account, but the check never came. Citi encouraged me to contact the branch where my dad opened this account in the XXXX, but the branch has not picked up a single time in approximately 30 call attempts. I went to my local branch today to see if they can refund the account, but they refuse to do so until this XXXX  check shows up. From my perspective, Citibank is holding my dad 's money hostage and has stolen ~ {$42000.00} of his money from his checking account ( and another ~ {$27000.00} from his savings account ). Since XXXX XXXX, I have probably spent 24 hours in my local Citi branch, waiting on hold, and being transferred around various Citi numbers. Citi claims there is nothing they can do, and requires 10-15 days to investigate.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

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 : 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 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 XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or 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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

This is a problem with Chase Bank I opened an account with Chase for my. Social Security XXXX check to come. The check arrived and it was a freeze put on my chec by. collection agency. And I was told that Social Security checks were exempt from collection agencies. and the bank refuses to gave me my check to me. The problem is also the bank even know to check is exempt, The problem is the bank even admitted that the check is exempt, but there's. still refusing to give me my check.
Consumer complaint received 2016-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

This debt to diversified was paid based on my agreement with them. They were supposed to forgive the XXXX and i paid them the XXXX the beginning of XXXX to process XXXX XXXX. The Supervisor i talked to said she was going to have them hold the account there since they had the payment in hand. XXXX sold me faulty phones and then all my identity info was hacked into in their system. I am trying to refinance my home and need this collection removed since it is inaccurate.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.
Consumer complaint received 2022-12-05
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: Bread Financial Holdings, Inc. (OH)

I had a hard inquiry on my credit report without any information but the company name and address. After being transferred to XXXX different departments they told me they couldnt help me unless I knew the company ( ie : XXXX, XXXX XXXX, XXXX ) I told them I had no way of knowing that since I was reporting fraud and I didnt apply for the credit card and they told me they couldnt help me until I got that information.
Consumer complaint received 2023-05-22
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX XXXX XXXX XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage company is forcing me to escrow for property taxes, even though I have already paid for property taxes. A property tax escrow was not a part of my loan agreement. I have called numerous times to complain and get the escrow removed / refunded, but they will not move. They continue to hide behind their " processes '', but in reality, they're holding my money XXXX in an escrow that was never agreed to and not needed ( since I already paid the county ). 

This has been a terrible experience. Every person I have spoken with, including the manager, has given me a run around. I have wasted so many hours on this problem and there is no end in sight. I'm extremely frustrated with Shellpoint.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : XXXX wireless 2 . XXXX XXXX 3. XXXX XXXXe
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX XXXX and the XXXX market, I need these to be removed.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I opened a checking account with Wells Fargo. I made a cash and check deposit. Wells Fargo closed the account, saying that I am too risky of a customer because the check bounced. The check didn't bounce. It cleared.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NV)

This is yet another in a very long of complaints about these two companies in this regard. CFPB has not done their jobs by stepping in and mediating, enforcing fairness, law, and the FCRA. Several months ago, and as I've already reported here to CFPB ad nauseum, both Experian XXXX XXXX have lowered my score precipitously, by XXXX points & XXXX points respectively, without any wrongdoing on my part, and without explanation or rationale. Now, I expect the CFPB to defend me here by demanding that these XXXX companies restore the points that they've deducted from my score without reason to do so. Simple. I also demand a clear XXXX explanation from both companies as to why the did what they did, and not a pre-programmed or scripted rebuttal in response. Do your job. You're supposed to be working to counteract and defend against unscrupulous credit practices, and this is a glaring example of XXXX such practices. No, this is not involving a dispute. Restore my points immediately.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

This is in regards to Navient. 

Last week on XX/XX/10, I made an attempt to reapprove my lower repayment monthly rate. 

I had been informed, I simply need to call back to reapprove my rate. 

I am then told ( while never previously being told this ) - I am no longer eligible for my previous payment arrangement and that I will now have to pay more ( 600+ a month ) ... .we take an expense inventory, the person on the line speaks with their manager, and Im not approved ... 

Supposedly, my co-signers and I can afford to pay. 

I told them my co-signers can not pay, they are declaring bankruptcy, and that I am willing to pay ... just not 600 plus a month ... once they hear that they immediately offer a repayment similar to what I had been already paying and stated they would call me back. 

What happens next? 

I get a letter stating I was rejected ( after they take money ), that I will owe balances, I will have to pay the 600 plus a month, and that there were no other offers any other options, just pay or not pay ( then collections and court ). 


( side note : EVERY time I call- its a different story and I always owe money ... no matter what was previously stated to me ... and all calls are recorded- regardless, I owe money. ) Lastly, they negarively hit my credit even while I was in a repayment program. 

One of the worst loan servicers I have ever encountered. 

I am trying to do right and pay. My co-signers are submitting for bankruptcy and I dont own any assets ... they can try all they want but I wont be able to pay in excess of 600 a month.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-08-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (MA)

GM financial repo my XXXX XXXX XXXX refuse to accept negotiable instrument due to no lawful money in circulation they sold the debt now want to collect from a 3rd party also my credit has been ruined I was reported to 3 credit bureaus affecting my life and family needs. I am demanding under 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes 18 U.S. Code {$8.00} - Obligation or other security of the United States defined 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (GA)

I have contacted and disputed these inquires and Equifax has yet to remove from my report after i have told them over them phone as well in letter form that these was NOT my inquires. Please Have Removed ASAP Thanks I'm attaching a Police report with this complaint. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I opened an account with XXXX XXXX Because my husband committed suicide, and this was where he banked, and I thought it would be easiest to have an account at the same institution in order to get his account closed and the monies over to me since he died intestate. I did all the paperwork required and was able to make a final deposit of his paycheck which was payable to me in XX/XX/2022. Ive then closed the account. now the bank is saying that somehow that deposit was turned into a payment to me in XXXX which is completely fraudulent. I have a copy of the check showing that it was paid in XXXX and the account was closed in XXXX. They re-opened my account in XXXX for some unknown reason and say that they paid that amount to me and are now charging me overdraft fees and want me to repay them the {$1800.00} amount of the check. This is complete fraud or an error on their part. The check is endorsed for deposit only. How does this turn into a payment to me? The check is Marked paid and dated XXXX. Multiple calls to their customer service have gotten me no where. 
And in the meantime, theyre also sending me a letter saying my account has a XXXX balance, and needs to be closed???
Consumer complaint received 2022-12-11
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. (OR)

Transunion said investigation complete. Was unable to access any alleged completed report. 
Reported same information to XXXX, a Transunion affiliate. Company did not acknowledge correction either. 
Credit scores are incorrectly calculated based on incorrect verified errors on credit report.
Consumer complaint received 2022-09-21
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-06-05
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. (FL)

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor Equifax, nor XXXX have deleted it yet. It has been more than 30 days.
Consumer complaint received 2023-04-25
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. (LA)

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX There also is a a collection account from XXXX XXXX XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX  XXXX  Account number : XXXX
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-21
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX