davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

In XX/XX/XXXX I sent a letter to snap on to validate a debt they are reporting on my credit. I sent the letter to the address that they provided to the credit reporting agencies, and the letter was returned for insufficient address. The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. 
I sent all three Credit reporting agencies a letter and proof that the letter was returned and they took zero action and it's still reporting on my credit report. This is a huge FCRA violation and this account needs to be removed. 

Ive included all letters written including the letter that was returned for the second time In XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Dear Sir/Madam CFPB, I am writing to you regarding the recent closure of my Discover credit card, which has been in place for almost XXXX years with a {$4200.00} line of credit. This closure has caused me great concern and dissatisfaction, mainly due to your Discover team 's lack of justification and refusal to resolve the issue. 

On XX/XX/year>, I made XXXX transactions with my Discover card, all approved by the financial institution. However, to my surprise, I found that my card had been blocked and closed without prior notice the next day. Upon contacting Discover for an explanation of this action, the response I received needed to be revisedThe representative stated that my card was closed due to lack of use, which is a false claim. I have concrete evidence that my card was used on the same day that the limit for its use was established, XX/XX/year>. This discrepancy between your claim and actual evidence is deeply concerning and raises serious questions about transparency and integritythe integrity of its business practices. 

Additionally, I find the need for more willingness on the part of your team to address and resolve this issue extremely disappointing. Despite presenting clear evidence refuting the reason for closing my card, the response has been that the card is closed, and there is nothing they can do about it. 

As a long-term customer with an impeccable payment history, I expected better treatment and more significant consideration from Discover. The lack of transparent communication and refusal to address this issue fairly and timely is unacceptable. 

Therefore, I request that you review my case regarding closing my Discover credit card. Additionally, I expect a formal apology for the inconvenience and frustration caused by this situation. 

I appreciate your prompt attention to this matter and look forward to a satisfactory resolution as soon as possible. I await your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS, also known as Select Portfolio Servicing, holds my current mortgage, after acquiring it from XXXX XXXX in XX/XX/2023. Since that time, SPS has been frequently calling me from unlisted phone numbers requiring my personal information in order to discuss issues related to my mortgage. All my requests to call from certain listed numbers identifiable as belonging to SPS have been ignored. My multiple emails sent to SPS, including SPS ' Ombudsman office, resulted in a phone call I received from that office on XX/XX/XXXX. During the call I was informed that my request can't be met, than the current SPS phone system is set in such a way that they will continue to use multiple unlisted numbers. As a result, this issue was not be resolved, and no attempts will be made to resolve it, I was told. I was advised that I can file complaint with the CFPB or any other agency, and that is the end of it.
Consumer complaint received 2023-06-30
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. (MD)

THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, my savings Account XXXX XXXXXXXX was either frozen or closed I dont know. everytime I celled regarding my XXXX account no one knows anything either what to said. Everyday I called different people says different things even has telling me go to a branch and your XXXX account money will be given to you which its a lie all this situation had me with depression, anxiety and mental breakdown and drainage. I XXXX my job, because of this and since all this Ive has been visiting a XXXX XXXX is not a joke. Whats the problem with Truist bank staying with people money just like that, money I made by working and part of my unemployment. I need and want access to my XXXX account before I put a lawyer on this matter. This isnt right playing with the savings of people just like that.
Consumer complaint received 2020-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

On XX/XX/2020 my neighbor XXXX XXXX was contacted by a debt collector of mine. Pioneer Credit Recovery contacted him and asked if I, XXXX XXXX lived next door and a few other random questions. She left a number to call back which is XXXX and a reference number XXXX. The representatives name was XXXX XXXX. 

Regardless if I owe them money I do not think its lawful for them to contact a neighbor, relative or anyone other than MYSELF!! 

The original lender is from XXXX  Corporation and this Pioneer Credit Recovery is a subsidiary of theirs. 

The total amount owed on this loan isnt anything substantial so why in the world would they make it my neighbors business! The amount left to pay is {$320.00}. 

Please let me know if theres any other info you might need! 

Thanks
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc. (CA)

I noticed charges on my debit cards. I contacted the bank, cancelled my cards, and filed disputes. One bank refunded the fraudulent charges, the second bank refused. 

I have filed a complaint against the second bank XXXX. 

AfterPay said I wasnt responsible for the fraudulent debt, but the refuse to refund my debit card. 

AfterPay has no safeguards in place to protect consumers. I want a refund.
Consumer complaint received 2023-06-30
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. (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 : Untitled Account XXXX Account Name : XXXX Account XXXX 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 XXXX 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 2022-10-02
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. (CA)

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active XXXX XX/XX/XXXX, on Experian it says XX/XX/XXXX and XXXX XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/2019 Me and my wife opened a mortgage account together. Dovenmuehle the loan servicer was originally reporting the loan twice on my personal credit report with XXXX. As DMI and as Dovenmuehle, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. DMI should be reporting to my XXXX credit report with the accurate loan information. Accurate information is now missing.
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This account belongs to my ex husband XXXX XXXX I have a court order stating that he is responsible for any and all medical bills for Our daughter, being that I do not have an income.. The dates of the services are in question and have not been provided to me in detail. I also believe that if these bills continue to be in my name they would be covered under of my bankruptcy that discharged in XXXX XXXX. Collection agency can provide me with no documentation that the children were even seen at the doctor at the dates in question. Also at the time my children were covered under XXXX as a secondary coverage. I have made several attempts to provide the medical information to the collection agency to no avail. 

Amount {$360.00} {$180.00} Date opened XX/XX/XXXX & XX/XX/XXXX Rash Curtis & Assoicates Have been threatened with legal action several times by this company and been called daily.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Somebody steeling my identity, even I pass the same thing whit te IRS is hold my tax return because a company try to take the money and now whit this collection say the I own {$800.00} in credit card and how I own that money if my credit score is lower a credit card approve me just {$300.00}, how is {$800.00} is not me, that say happen in XX/XX/2018.
Consumer complaint received 2020-01-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

Paid my XXXX loan off after 4 years of payments. Took every last penny in my account. Thought I was done with these XXXX. Then the following month Great Lakes withdrew my monthly autopay amount of {$590.00} out of my account. I called and the extremely condescending representative informed me that, despite paying off the loan I still needed to turn off autopay. Ridiculous! What other loan servicer requires that? To make it more absurd, you cant turn off autopay online once you are done making payments. Great Lakes informed me that they couldnt refund my payment for 45 DAYS! It took every spare penny to finally reach my goal of being debt free, how can I pay my rent this month? I bet that the majority of people use autopay and many of them dont realize they need to cancel after paying off the loan. If Great Lakes is holding on to an extra payment for all those people for 45 days they are earning some serious interest. Its criminal and sad. I guess they have the federal government feeding them customers so what do they care if young people trying to repay student loans get XXXX?
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

In XXXX XXXX XXXX the company that was working with our mortgage, XXXX sold our loan to XXXX XXXX XXXX HomePoint Financial Corporation. Our first payment of {$1800.00} with them was due XX/XX/2021 and we use automatic bill payment from XXXX XXXX XXXX. 
HomePoint Financial Corporation claims they never received that payment. It is always to be two years since all this ordeal started.

I have reached out to HomePoint Financial Corporation countless times by phone, email, faxed proof of payments and all documents I have. I have also reached out to XXXX XXXX XXXXXXXX to send proof of payments, but Homepoint keep saying we are behind on our payments. 
I am sick and stressed by this situation. Every month we receive a statement showing we are behind XXXX month on our payments. But that is not true. We have been always on time to pay our mortgage, even at the beginning of the pandemic, when I was laid of from my job. 
It is impossible to deal with this company. They do not assign one person to work on your case. Every time you reach them, you are talking to different people who are not familiar with the reason your are calling for and you have to explain yourself numerous times. They don't give you a last name or a direct extension to reach them. 
Same happens when you write an email to them. A different person responses to your emails. 
I have kept all the documents I sent to HomePoint Financial XXXX. 
I need help, because I do not know what else to do. 
We can not afford a lawyer to help us with this and it is not fair to pay an extra month of mortgage, when we have never been late on our monthly payments. 
My husband and I are working people trying to makes ends meet and paying all our bills on time and we have never been late to pay our rent, when we rented a house for 10 years. The same way, we have never been late paying the mortgage of this house we bought almost 7 years ago. 
We never had a problem with our previous loan companies until our loan was sold to HomePoint Financial Corporation. This has been one of the worst things that have ever happened to or family.
Consumer complaint received 2023-01-21
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. (TX)

Experian has not removed numerous credit inquiries on my report despite my notifying them of identity theft. The following are Unknown, Unauthorized and Unrecognized XXXX that EXPERIAN has continued to falsely and inaccurately report. 
These are Unknown, Unauthorized and Unrecognized by me and must be deleted by EXPERIAN. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (GA)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 an 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 conviction 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 2020-01-09
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)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I deposited a paycheck through the mobile app on my phone into my Bank of America checking account. Until this time, I have ALWAYS gotten use of these funds the next business day. I have deposited checks from this company twice a month for 10 years. Never once has B of A held my funds longer than one day. This time they put a Hold on my funds until XX/XX/2020. 

I checked with the employer writing the check to see if they switched bank account or banks or have had other problems on their end. They assured me they had not. 

I called B of A on the XXXX and was told that they have the right to hold the check up to 7 business days. While I understand that, they have NEVER done this before. I asked what the reason was and all the rep could say was that there was nothing I could do about it. I asked to speak to a manager who said I should talk to someone on their " Preferred line '' and she transferred me. 

The rep on the " Preferred line '' said there was nothing she could do because the bank had the right to hold the funds. I asked to talk to her manager who told me to call back the next day after the check had posted. 

I called back the next day, the XXXX, and the rep said there was nothing they could do about it. I asked to speak to THAT manager who said he didn't know why someone would tell me to call back because there was nothing they could do once a hold was placed on it. I asked to speak with HIS Manager but that manager was not in and he said he would have him call me back in 24-48 hours. It has now been 48 hours and I have not heard from them. 

I have since found out that my check cleared the drawn on bank on the XXXX. I still do not have access to my funds. It is a large amount to me and I will be having late fees and possibly NSF 's for my billpay payments that have been set up. 

I thought that Regulation CC requires a bank to provide me with the reason for the hold within a day of making the deposit. I know it can be held up to 10 days if there is a reason. But this check has already cleared the drawn on bank.
Consumer complaint received 2023-04-01
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. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank checking and savings account opened in XX/XX/2019 for {$500.00} bonus after 90 days but the {$500.00} bonus has not been delayed and not posted to my account. Please honor the promise to post the bonus to my checking account.