davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX my account with TD bank became frozen. I contacted the customer service department and they told me my account was closed after I made a deposit totaling over {$1800.00}. I was in the process of getting married and did not have the time to directly deal with it. After returning from my honeymoon in XXXX I contacted customer service and they informed me that my account was closed but to receive the balance I had to go into a branch and they will cut me a check. I went into a branch in XXXX and requested the balance. They told me that the de-marketing department needed to unblock my account so they can cut me a check and it should take 1-2 days. It's now been over two weeks and many contact to customer service and the branch but I still have not received my balance even though my account has been closed for over 3 months.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX  ran a hard inquiry : XXXX. XXXX, XXXX  via TransUnion. This was NOT authorized. I attempted on numerous occasions to rectify. This included sending letters and a multitude of phone calls netting me nothing but more confusing and increasingly conflicting advice and data. I additionally tried to fix this via TransUnion. They at least informed me that the hard inquiry was likely in response to a pre approved offer sent to my old address. I have since frozen all of my accounts and put a freeze. I would like this fraudulent hard inquiry removed from my record. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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. (CA)

On XX/XX/2022, Equifax received two correspondences via certified mail ( USPS ), which contained a letter disputing unauthorized inquiries, copies of my driver 's license, veteran 's administration identification card, gas & electric statement, and social security card for validation. The letter brought to Equifax 's attention that they were reporting inaccurate information. I requested an investigation into how/why this happened and correct or delete the faulty items. 
Receipt # - XXXX - XXXX XX/XX/2022, I called Equifax 's Fraud Department. I was told my correspondences were received and attached to my account. I was then informed of Equifax 's company policy of not making corrections without an FTC letter accompanying the complaint. I was instructed to draft and fax a copy of an FTC to the number provided. I did as instructed a few days later. 

XX/XX/2022, I called Equifax Fraud Department to confirm the receipt of the FTC and the correction/deletion of the incorrect items. I was told that the items had been deleted as of XX/XX/XXXX. I thanked the representative and ended the call. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ) after checking my online Equifax report. I was furious and highly disheartened to discover none of the items had been corrected or deleted. The Representative told me that it was my responsibility to contact the furnishers of the inquiries and have them contact Equifax for them to take action. I held my ground and insisted that these inquiries be removed. I was placed on hold for XXXX to XXXX minutes. When the Representative returned to the line, he said it could take up to 30 days from now to complete the investigation. I said that was unacceptable ; this needed to be handled immediately. After a back-and-forth, he agreed to have the items removed XXXX hours. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ). Again, I explained my call and was told that Equifax 's policy prevented him from taking action despite what the laws dictated. He insisted that he could lose his job if he acted outside of Equifax 's policies. I informed him of my intent to file a CFPB complaint.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2021 I sent a re-investigation dispute letter to Experian about the following accounts : XXXX  XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX. It's been over 45 days since I sent this re-investigation dispute and Experian have not answer as they are required by the FCRA.
Consumer complaint received 2021-04-20
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. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (PA)

I had a payment due on XX/XX/2022 I made the payment like I always do using the account I always use with plenty of money in the account to cover the payment on XX/XX/2022 and it somehow got kicked back and I got no notice of the payment getting returned until XXXX XXXX showed me that my credit score went down significantly because of the missed payment I reached out to XXXX XXXX XXXX and can not get through due to a higher than usual call volume and keep getting disconnected before I get to talk to anyone. Ive since made the XXXX and XXXX payment because thats all the website would let me do
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (LA)

I have received multiple Citibank AAdvantage co-branded personal and business cards over the last two years to get multiple sign up bonuses. On XX/XX/2019 I received an e-mail from XXXX XXXX that my AAdvantage account had been suspended with them claiming it was due to misrepresentation. I have never misrepresented myself to XXXX XXXX or Citi bank. This suspension led to them seizing all of the miles in the account which totaled near 400,000 at the time of suspension. I previously reached out to Citi in CFPB complaint # XXXX in which they told me to speak with AAdvantage as it was solely their decision. Since then AAdvantage has responded and claimed the miles were taken because I violated a Citi rule. Citi needs to explain to XXXX XXXX that the miles I earned are legitimate and therefore this account suspension is unwarranted. As it stands it appears that either Citi or XXXX XXXX are uncomfortable with the amount of miles I earned using their promotions and do not want to honor their part of the contact.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Loan was paid off with Dovenmuehle Mortgage on XX/XX/2020. After the mortgage was paid off they took my mortgage payment anyway on XX/XX/XXXX. I called on XX/XX/XXXX to ask them to return my funds they said the funds would be in my account on XX/XX/XXXX they were not. On XX/XX/XXXX they made me send in proof that the money left my account even though they had the funds. New answer on XX/XX/XXXX was 3-5 days this would be expedited to my account. Call in XX/XX/XXXX stated the transaction was going out today and would be another 3-5 days. She stated it would be a wire transfer now they are saying bank draft. Also Escrow account has not been returned. Loan number with dovenmuehl mortgage XXXX. Supervisor spoken to on XX/XX/XXXX XXXX
Consumer complaint received 2020-03-17
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

There is an unknown account on my credit report which is reflecting me as an authorized user. When contacting the bank, they are stating its not an existing account. Ultimately, I have been trying to be removed as authorizer user and they will not remove this from your credit profile.
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I  do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2020-03-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Citizens banks claims The debt of XXXX from 2007 stills provides false information to the credit by providing payments in ever made to them. Due to the information being provided the credits company continue to undate this information is he during menform buying a house or keep my Clearance with the government.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I co signed on an auto loan for with my daughter but when it came time for the payment my daughter never received the bill. It was sent to my house under her name so i didn't open it. I never received a bill either so the payment was not made.When it became time that it would be 30 days late no one knew about it and my daughter or i never received notice. Not in the mail or a phone call. A 30 day late payment was put on my credit report because of this error on their parts about our mailing addresses to no fault of ours or mine. If I would've known it was due i would've either had my daughter pay it or paid it myself. I have tried to get it removed with the company due to their mistake but not had success. Please help as i am unable to get the interest rate i deserve because of this. Thanks
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-03-25
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Consumer complaint received 2020-03-29
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)

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from Experian XXXX and XXXX. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My mortgage was apparently " bought '' by Citizens One Home Loans. I have been trying to get service on my loan for over an hour. Have had to call twice. First call ... remain on hold over 40 minutes until someone answers and then hangs up. Second call ... no one answers the phone. No one answers to the secure messages. I simply get an email saying give them up to 5 days to respond. My loan was just transferred to Citizens One and the account shows a late payment fee but I have not been late and didn't owe this fee before my account was transferred to Citizens One. Now I can't reach anyone about my loan to assist. I have tried their website and have been sitting on hold for upwards of an hour.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (MN)

It started about a year ago with getting checks cleared for an insurance claim and the myriad of demands from your department that even the insurance agent didn't know how to complete. Even the SIGNED OFF CITY PERMIT of the completed work wasn't enough. Instead it took a call to our state Attorney Generals Office to resolve the issue. 

Every time I called about the insurance claim, I had to start over with a new customer service agent who could only email them and get a response in 3-5 days. And, everything had to me through the USPS. Letters I got said I had 10 days to return the required documents. The letters got here in 8 days. Then, the letters were very unclear of what you wanted - Anytime the letter has the words " we may require one of more of the following '', that leads me to believe that even you don't know what you need. This took FOREVER to get answers. 
I refinanced at a new bank and have left AB ( or are trying ) ... 
Now, I get a mortgage payoff letter from you on XX/XX/XXXX. Today I get a letter stating that I still owe for XXXX and IT'S LATE with a late fee ... I've always made auto transfers from savings to mortgage and I left more than double the amount just in case. On XX/XX/XXXX, I get an email alert that the auto transfer failed because the account was closed. It was obviously the mortgage because the savings remained active well past XX/XX/XXXX. 
Today I had to make an electronic transfer into what I was told was a 'closed account ' just to keep you from tarnishing my PERFECT credit rating. When I spoke to the customer care, he couldn't figure it out and I was even on hold for 21 minutes while he worked with someone else. 
Today I called because the payment hadn't posted and she said this was already reported to the credit bureaus and it was my problem to resolve.
Consumer complaint received 2022-03-25
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. (MD)

I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

I received a letter from my tax office in XX/XX/2020 stating there was a delinquent balance on my real estate taxes of {$2800.00}. The taxes are included in my mortgage payment in escrow. I immediately contacted my mortgage company and emailed them the letter. They assured me they would look into the problem and resolve the problem. A few weeks later I received another letter from the tax office indicating a tax sale is scheduled for XXXX. I called again on XX/XX/XXXX, told them about the second letter and emailed that one as well. I was told, yet again, the problem would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I called the tax office to confirm that the mortgage company had taken care of the delinquent payments only to be informed they had not and my balance was now {$3900.00}. I again called them and asked to speak with a manager who informed me the only thing she could do was expedite my case and it should be taken care in 3-4 business days. When asked why the payments weren't being made her response was, " I don't know, I can't answer that. '' In the meantime, a tax sale situation is taking place and the tax office is not concerned that this isn't my fault, they are just concerned about getting the balance owed. I pay my mortgage every month on time and this is unacceptable and negligent action on behalf of the mortgage company.
Consumer complaint received 2021-04-20
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)

There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, Chase closed a new checking and new savings account without offering any explanation. I had done nothing wrong this account - merely opened the account, funded it with {$15000.00} to meet the conditions required to avoid a monthly fee, and begun using it. This seriously disrupted my finances as I could not access my savings, and contravened their advertisement that prompted my application. See complaint XXXX. 

Today ( XX/XX/XXXX ), I applied for a credit card in branch after receiving another advertisement. However, I was unable to complete the application process. The associate directed me to call a number - XXXX. When I did so I, I learned that Chase had not only closed my savings and checking accounts. In the phone call I learned that as of XX/XX/XXXX, they had banned me for life from mortgage, checking, savings, investment, credit, and auto loans - without the opportunity of appeal or explanation. Chase did not even alert me to this ban, as they are required to do. 

Chase refuses to offer an explanation or recourse for being barred from access extremely important financial tools. It is discriminatory to exclude people from mortgage applications - an extraordinarily important financial tool - without explanation.
Consumer complaint received 2021-04-20
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. (FL)

I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of XXXX. XXXX needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. XXXX even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of XXXX.