davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
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)

I have wrote dispute letters several times for experian to remove accounts inquiries addresses and job and they always respond 30 days saying verified when E Oscar and these alleged creditor are not factual proof of verification I have wrote laws that's they are supposed to abide by but for some reason they don't mind breaking the law for instants I the consumer has the right to privacy so why is experian reporting my information without my permission which is also identity theft and all my consumer credit transaction should be private but your company illegally reports it cause alleged creditor pays them to report information to help undermine uninformed consumers 15 u.s.c 1681 state 's how what's this company should report and not report which they do willfully and knowingly which has cause me a financial ingury
Consumer complaint received 2021-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CO)

In 2019 I was contacted by Federal Loan Servicing and told I qualified for student loan forgiveness. I went through their application process under the impression I would have majority of my loans forgiven. It was a scam. They charged me {$8000.00} and set me up on a payment plan I can't afford. I didn't realize this practice was illegal when it happened.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (KY)

My husband died XX/XX/XXXX suddenly. With his death I could no longer afford my home mortgage with Selene Finance located in XXXX, Texas. I lost 70 % of my income when my husband died. I owed {$140000.00}, I discussed alternatives with Selene Finance as I fell behind in payments. I was actually told the best thing would be to surrender the house ie deed-in-lieu of foreclosure. This was XX/XX/XXXX. I was told to vacate the property within 30 days. I had only a short time to find a new place to live. I was told to make sure the home was swept clean and emptied which it was which I borrowed money and my family generously paid my moving expenses. I thought all was decided and the mortgage company said that if I did the above I would receive {$2000.00} upon move out date XX/XX/XXXX. I complied ... ..It is now XX/XX/XXXX and I have received nothing but grief and excuses from this company and finally went to legal aid and got some advice from an attorney advocate who told me that they were not allowed to ask me to move at that time and that the move was emotionally and financially devastating besides grieving the loss of my husband. A realtor tried to do a short sale and was offered {$110000.00} which was a great offer but the person XXXX XXXX with Selene Mortgage has sabotaged everything that we have tried to settle this. The realtor has worked with him as well as the attorney advocate and no one can get this situation resolved which i think he just wants to foreclose and why I don't know, His company will make a lot less money by foreclosure and he will not get {$110000.00}. for the property, The longer it sits empty the more it will depreciate. It already has siding missing from a storm which my insurance company wanted me to pay a {$2000.00} deductible on. I did not have the money to do that. I am at my wits end with Selene Finance. Mr . XXXX finds one excuse after another. I am a XXXX year old widow who feels after evacuating my home, lost all my money and feel as if everything has been taken away from me. I have documents proving that I was told to leave my home in 30 days and that I would receive a {$2000.00} 'Relocation Assistance ''. Never seen a cent ... .worse than all of this I can not grieve the death of my husband due to dealing with this everyday since his death. There seems no end in sight.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-17
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (OR)

On XX/XX/XXXX Chime accepted XXXX separate refunds from XXXX on my behalf to a closed XXXX XXXX XXXX  instead of transferring the amount of the refunds into my active checking account under the same name and address. Upon contacting them I was assured I would receive my funds by mail via check within 30 days of the refunds processing date ( XX/XX/XXXX ). I have since contacted them several times inquiring about my funds and the whereabouts of said check and have been repeatedly told that they could not offer me any information as they have no way of communicating with their processing department. Their words directly. This is now day XXXX and I once again contacted them asking about my funds and received the same response. They have no way of viewing whether or not the check was processed or when I will receive my funds. I would like you to please investigate this as I believe that some federal financial laws have been violated in this case. I am at the point where I am considering seeking legal council.
Consumer complaint received 2024-01-05
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IN)

I deposited {$50000.00} on XX/XX/XXXX for a Citi Priority Account. Citi was offering a bonus on their website that if I deposited this money and maintained the funds for 60 days, I would receive a {$700.00} bonus. 

I have not received my bonus despite meeting the requirement stipulated when I signed up. 

I have chatted with Citi reps many times and even was confined that the bonus was coming by XX/XX/XXXX. When this date came and went and I did not receive my bonus, I filed a claim. Citi is now claiming that the promo code I used when signing up was not associated with my account. I did not use or need to use a promo code to open my account for this offer. It was not a targeted promotion. Seeing discussions online, it seems others are having the same problem. 

I would like to be credited the {$700.00} I am owed. 

Statement from Citi rep on XX/XX/XXXX confirming I was to receive the bonus : " To receive the promotional offer reward, " 1. You should deposit the funds within 20days of the account opening with " New to Citibank Funds '', which I can see that you have done successfully by XX/XX/XXXX XXXX. You need to maintain the required amount for 60 days from the XXXX day of account opening which is until XX/XX/XXXX ( Approx. ) After the 60 days period is over, you will receive the reward within 90 days which is on or before XX/XX/XXXX ( approx. ) New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . 
and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. 
Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX  XXXX, XXXX, and XXXX XXXX do not qualify as New-to-Citibank Funds.
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (MD)

On XX/XX/2020 I tired to attach my banking account ( PNC ) to my XXXX XXXX trading account. Apparently PNC has made changes that have prevented me from using them to fund my XXXX XXXX account. I do not fully understand why PNC bank would do this, but i think it is wrong. I should be able to put my money wherever I want. Please help.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

A former employee had access to my computer and opened an XXXX XXXX XXXX account in my name about 5 years ago or so and charged some parts to the account and I explained this to Jefferson capital debt collection service. I also told them I do not have any contract with them and they had no right to access my credit report and report anything on my credit reports.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

Santander has been involved in a class action lawsuit based on consumer records from XXXX loan was started in XXXX and I show no accurate reports of my Loan being reported on my report from the time it was started. Loans that were open between this time should have qualified for a class action lawsuit on predatory lending. I have been hit with a large amount in interest on a loan that should have been paid off this year but instead I have been a victim of predatory lending making it impossible to pay off my car loan. 
Georgia Attorney General XXXX XXXX stated Santander " violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ''
Consumer complaint received 2021-09-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

not listening as there is many faults to the purchase of my home as i believe in fraud. As in a XXXX indebtness on house that was not told about or aware as in property survay that is correct and was from a website instead of title company itself. There is three property descriptions with with three different county and names descirbed and much much more.
Consumer complaint received 2021-09-05
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2021-09-04
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SG and Associates (MI)

On XX/XX/XXXX I received several harrassing calls back to back from this company. The company went on to reach out to family members that I did not use as references and told them that there is a legal complaint filed against me. By doing this the company is tarnishing my name and reputation by making people think I have committed a crime. I called this company back to see what this was all about they claimed to have sent me paperwork in XXXX that I never received. They then threatened to place a lien on my home and vehicle. I would like this collection matter closed out with this company due to their unlawful practices. I would like this company removed from my credit report and I would like them to cease and desist. I am also looking into taking legal action due to defamation and harassment.
Consumer complaint received 2022-10-15
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)

I am submitting this CFPB Complaint to request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-05-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-05
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. (CT)

XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence