davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (TX)

I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.
Consumer complaint received 2023-01-14
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. (TX)

I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have three student loans through the XXXX program, provided by the Department of Education. My federal student loans service provider changed from XXXX to Mohela on Tuesday, XX/XX/2022. On that same date, my credit card was fraudulently charged {$340.00} by Mohela. I am on a REPAYE program but under the Biden Administration 's executive order, my student loan payments are {$0.00} until XX/XX/2022. Mohela fraudulently took {$340.00} without my consent. 
Additionally, I have been making qualified payments through the Public Service Loan Forgiveness for over a year. 
On XX/XX/2022 Mohela sent me mail stating that I have only made 4 qualifying payments. On XX/XX/2022 Mohela sent me mail stating that I actually only made 3 qualifying payments. In fact, I made 18 qualifying payments. They need to update their records to show that I have indeed made 18 qualifying payments.

I have attempted to contact Mohela several times and waited on hold for 3 hours, and have been unable to reach them. 
Thank you for your help in expediting this matter.
Consumer complaint received 2023-01-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (OH)

On XXXX  I placed an order for ( 3 ) {$100.00} XXXX XXXX gift cards through the Citi Thank You Points portal. Immediately after placing this order, I received notice that one gift card was canceled. I then received an email with links to the two remaining gift cards- however the links took me to the same exact gift card ( Rather than receiving two {$100.00} gift cards, I received a duplicate of the same {$100.00} gift card ). 

Trying to resolve this issue through Citi was a very long and grueling process. I eventually spoke to someone in the Executive Office who explained there was nothing that they could do, this was an error on XXXX XXXX 's part, and that they would have to track down the issue. 

I've spent an additional month chasing down this issue with XXXX XXXX customer service. I've spoken to multiple managers in the escalations department. They have submitted multiple tickets for this as a technical issue, and then never followed up with me as they promised they would. Eventually I filed complaints against XXXX XXXX with the XXXX and Attorney General. 

XXXX XXXX finally responded to my complaint with the following - " We send gift cards in bulk to the credit card companies that issue them with rewards. In cases for problem, you need to reach out to the credit card company the purchase was made through. We are not able to find the order for the gift cards. We are only able to look up the gift cards themselves to see the balances and where they were used. This is what the associate that helped you previously did. They found the gift card numbers, not the gift card orders. There is a distinct difference. We are only able to replace a gift card if an order that it was used on is canceled or returned and the gift card was already processed. I apologize for this. '' At this point I really don't care who's fault it is. This has been one of the worst experiences I've ever had with any business. At no time did I feel like Citi has owned this issue for me, they've just pushed it off to the next person. 

Considering that CITI facilitates the purchase of these gift cards using their thank you points, and a CITI branded email delivered the erroneous, duplicated gift cards- I believe this is CITI 's issue to fix. 

I'm sure I am not the first person that has experienced this error, and I won't be the last if this issue is not communicated to a person who has the power to fix it.
Consumer complaint received 2023-01-21
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)

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 U.S.C 1681 Accounts # XXXX XXXX XXXX XXXX has violated my rights. 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 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2018-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.
Consumer complaint received 2020-10-06
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. (WA)

Equifax has violated the Fair Credit Reporting Act many times. Over a period of at least eight years, Equifax has failed to correct information on my credit report ; failed to timely release my credit report to either me or potential creditors ; and intentionally and fraudulently falsified my credit report in retaliation of my filing complaints against them... Equifax blames the provider and the provider confirmed that they did not provide the false information. There is no problem with XXXX XXXX or XXXX. My credit is " excellent '' and yet of having difficulty in obtaining credit as Equifax will not release my credit ; and will not provide any reason. 
Each year I order my reports via XXXX. In XX/XX/2020 I wrote to Equifax correcting information on my credit report. The only response was another report without the corrections. On XX/XX/2020 I sent another letter advising of the corrections needed. Some of the corrections have been made for 2 or 3 times over the years. Documentation was sent multiple times. 
I have no response to the letter of XX/XX/2020 outlining both old and new errors. ' I have filed complaints with CFPB and WA XXXX but neither has any authority to get this corrected permanently. I can't afford attorney.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

I am working on applying for a mortgage. The lender is unable to pull my credit report from XXXX and Equifax. The lender is however able to pull my credit report from XXXX. I have worked extensively with both XXXX and Equifax to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither XXXX nor Equifax have made any effort to help me resolve this problem but it is clearly something wrong with their system.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Access to my checking account funds have been frozen. 
No valid explanation given as to why the funds were frozen. 
Yes, I did make 3 transactions hours apart at the same store. But, since XXXX is the only store within 30 miles in any direction, that is not unusual. 
There is not a Bank of America ATM within 100 miles of this location. 
Fees can be as high as 20 % for using another bank 's ATM. 

There was no communication about the freeze sent. 
Bank of America said they do not have a complaints department nor a way to record complaints.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PROSPERITY BANCSHARES, INC. (TX)

XX/XX/2022 Prosperity bank did the the international wire transfer to XXXX to my Account in XXXX with XXXX bank. 
Wire transfer is for {$250000.00} ( American dollars ) Time that I was supposed to have the money was XX/XX/2022. 
I had to comeback to XXXX to find out was going on with my money and no one seems to know where my funds are. 
On XX/XX/2022 I received an email from prosperity bank letting me know that XXXX XXXX bank created a case number XXXX and that the funds are pending at the beneficiary bank waiting for documents from the beneficiary - Ive contacted all banks and no one will tell me what is needed. The reason I borrowed this money was for a property purchase in XXXX for which my substantial deposit is now at risk over these delays. I also had to pay for an addendum to the sales contract. XXXX is short and I am deeply concerned.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (FL)

I received a notice that XXXX sent a balance to collections. I contacted XXXX many times to tell them the balance was wrong and I paid over {$700.00} of what was the correct amount owed. They never would respond or fix the amount. The sent my balance to Diversified Adjustment Services And I got a notice dated XX/XX/23 at a wrong address that I havent lived at for over a year. I responded within the timeline luckily since I got the mail from someone on that old address. I mailed my response XX/XX/23 and letter said to call or write by XX/XX/23. I complied. They now have reported this on my credit report when I responded timely checking off the boxes saying this amount is not correct, send me proof of the debt and the collector, and that this was false. They violated laws and now have destroyed my credit when I complied. I will be filing lawsuits against them.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

My account has been closed with Wells Fargo but they've had a breach and there's a lawsuit and I feel like I should be a part of it and I wasn't contacted
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I added an amex offer which is Spend $XXXX on XXXX XXXX get $XXXX back. I used this Amex offer on my amex green card on XX/XX/XXXX and the transaction has been posted. But Amex didnt credit this offer. They say that the merchant (XXXX XXXX) processed my payment via paypal even though I made the purchase directly via my Amex Green Card. They did not redeem this offer and I did not receive the XXXX   dollars credit at last.
Consumer complaint received 2022-12-23
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : DP OF EDUC XXXX XXXX XXXX XXXX DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc. (NJ)

Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by climb credit. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, Climb. CLimb credit still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with XXXX and XXXX also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
Thank you!
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (ID)

On XX/XX/XXXXXXXX  and XX/XX/XXXX returns were accepted at the XXXX return warehouse for 2 items totaling XXXX. Both of these returns were never credited back to my amex gold card per XXXX policy and reaching out to XXXX did not resolve the issue so I filed 2 separate disputes with Amex. When I created the disputes with Amex furnished screenshots of the XXXX app confirming the receipt of the returns, XXXX tracking data showing XXXX confirmation of return ( including item weights that match the delivery info ) the as well as XXXX proof of delivery. The first dispute projected resolution has been pushed XXXX now since it was filed on XX/XX/XXXX stating that Amex was waiting for more info from XXXX. None of the XXXX has been credited to my account to date. 

on XX/XX/XXXX I get a notice via chat app that Amex needs to speak to me about an issue with my gold card account. So I contact then rep and he states that due to the high balance on my card Amex was taking negatives action and rendering the card non functional until a time where i pay down the balance. 

I explained to the rep that I only have a " high '' balance due to the pending disputes that Amex has not resolved or credited me he proceeded to send me into a infinite loop of transfers and reps who kept telling me I need to " paydown '' my balance or my card would not become active again. Finally I was simply hung up on. ( I have included the whole chat thread in the notes ) My current balance on this card is XXXX of that XXXX is in what should be a very clear cut dispute leaving my actual balance at XXXXXXXX Historically that is not an uncommon amount to carry on this card as I use it very frequently. I have in XXXX alone made XXXX total payments totaling XXXX making the assertion that a balance of XXXX ( the real balance after the disputes are properly removed ) nonsensical at best. 

Amex has violated my disputing rights under the FCRA by XXXX ) refusing to process these clear cut disputes in a timely manor XXXX ) refused to service the disputes in general based on the communication on XXXX XXXX ) Taken negitive action against my account due to properly submitted and documented disputes 4 ) Held me responsible for disputed amounts on my account and then doubled down telling me to " pay down '' my account to make it active again based on the communication on XX/XX/XXXX