davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (TX)

This complaint is against Citibank N.A. 
I opened my Savings account with them online in Texas. 
There is no way for me to transfer money. They have no branch in Texas, they don't give check facility, no ATM high amount withdrawal, won't let activate check sent to me, keep misguiding me and make false promise. It was extremely extremely painful dealing with them for any solution. I can't even wire ( paid service ) out money as they have limit on it! It was very painful. I even wrote letter to their Compliance office twice but no response!
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I included documents along with my complaints Need cfpb to pay attention to it SLS is only a servicer who just take payments They are not a bank or deal with any mortgage assistance That why they lai They are rude They dont have any clue about the mortgage assistance like modification forebrance they do give any direction to how to apply where to send a request And when tell them I have a sale date on the corner and thins needs to happen ASAP SLS gives me silent treatment I have 2 eye witness and phone record of how the phone rep behaved The owner assigned of my loan is XXXX And XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX .MN XXXX Is the owner This loan was a fraud and gotten for me by fraud I was cheated with this garbage XXXX person who I included with this complaint with 2 other broker put me in this mess I cant get out of They stocked me with this garbage so called loan No ones tells me where is {$120.00} dolor crock SLS got between Keep your home California and XXXX county Supreme Court and I am still delinquent They dont send me statements They say so called delinquent is most their fraudulent fees attorney fee late fee I request a assistances on Monday XX/XX/21 I sent it by email and faxed And told them time is limited No one contacted me or confirmed of receipt of my request And they wont because this is how SLS operate My request is still in the email and no one will bother with it then when they get cut then they send a letter Either We are still working on you requests Or after careful reviewing ur case ur not qualify XXXX They never check anything or know anything about my case this is just in attempts to foreclose on my home Their intention is not to assist Just take my home
Consumer complaint received 2022-03-30
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: LD Holdings Group, LLC (OR)

I applied for a mortgage with Loan Depot on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX XXXXXXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I've had my student loans for a number of years. In XX/XX/2008 I was unemployed for a long time, working temp positions. Navient would not allow the income base, they only suggested they gave was forbearance for about 7 years, which added additional interest. Now the interest has gone over the amount I spent on my education. I've asked them to eliminate some interest whereas the loan would be payable at a reasonable monthly amount. My loan is now close to XXXX and my education expense was about XXXX. They refused to do anything but offer income base, based on XXXX. I can not afford that monthly payment.
Consumer complaint received 2022-06-16
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. (LA)

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (PA)

Transunion is the only Bureau to fix this, XXXX  and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX is the only Bureau to fix this, Experian and XXXX are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX XXXX XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of Transunion ) has accepted this.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit report. Despite multiple attempts to rectify this issue, the fraudulent entries continue to negatively impact my credit score and financial reputation. 

Upon reviewing my credit report on [ date of initial discovery ], I discovered several fraudulent items that I did not authorize or recognize. Since then, I have made numerous attempts to have these fraudulent entries removed from my credit report. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items remain unresolved. 

The presence of these fraudulent items not only undermines the accuracy and integrity of my credit report but also poses a significant threat to my financial well-being. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. 
With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

A withdrawal for {$2500.00} is repeatedly being made from two of my checking accounts. I opened new checking accounts and the same thing is happening with the new account. The name is " XXXX XXXX ''
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

XXXX charged my bank account {$1100.00} instead of my credit card ( XX/XX/XXXX ). 
My bank account only had {$820.00}. 

But even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank processed it as a normal transaction and my account got into the negative ( XX/XX/XXXX ). 

XXXX tried to issue a refund for it because it was done by mistake and the merchant issued a refund right away. However, they couldn't issue a refund because the eCheck didn't clear as I didn't have enough balance in my account ( XX/XX/XXXX, they originally told me that my refund would be issued by XX/XX/XXXX ). 

So even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank just processed it and charged {$1100.00} to my bank account, then the check bounced and I got my money back ( XX/XX/XXXX ). 

However, Citibank still decided to charge the {$34.00} fee. I wanted this to get reversed as I originally asked Citibank to do so last time when I called them but they ignored. However, when I contacted the customer service they refused my request ( XX/XX/XXXX ).
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX is the only Bureau to fix this, XXXX and Equifax are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX  XXXX  XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have several medical bills that have been sent to a debt collector that are being processed by my insurance. I have called my insurance companies about the bills. They have agreed to reprocess these bills to be paid through my insurance. I called the collection agency about this, and they told me to call the original creditor. I spoke with them about removing these bills and they informed me that they CAN'T and WON'T remove them from my credit reports. The name of the company is called XXXX XXXX XXXX XXXX. The date of services are XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$440.00}, XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$810.00}. Each of these bills have been sent to CMRE Financial services inc a debt collector. But according to FCRA states that these accounts be removed from my credit report during this process.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-03-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

XXXX XX/XX/2018 I tried to open an account with with People United Bank, NA ; XXXX XXXX XXXX XXXX CT XXXX and was told no. It also shows up on XX/XX/2018 and XX/XX/2018 that I could not stand account and I tried to resolve it with the bank.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (WA)

After 3 attempts to refinance loan thru Ocwen. 
I have emails XXXX, XXXX, XXXX. 

Without notice to myself and XXXX XXXX they sold my house and I owed $ XXXX Sold for $ XXXX. 

I had a new loan lined up with a family member, to sell the house when prices peaked like they did 8 months later. 
House sold for $ XXXX I have not recieved any . I have attempted contact. Have recording of contact and no response.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Consumer complaint received 2019-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (WI)

Approximate XX/XX/2018 a loan was secured in my name for {$1500.00} this loan was given with the promise of 90 day interest free dues to excellent payment history. After 30 days my account was being debited for amount s that was excessively more that what I was sold. I was put in financial hardship due to the collections practices & the unwilling to resolve matter. I was turned over to a collections agency who then inflated the amounts owed by almost 45 % of loan amount without being in default of original agreement. This collections agency ( NCA ) repeatedly violated my rights as a consumer, contacting family members, divulging false information and threatening me impersonating civil service officials.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SUNTRUST BANKS, INC. (FL)

About 4 weeks now I have been getting different information from different agents with in the suntrust customer service. I deposited a check, in which they closed the next day I was advised that the account will be closed with in the next 5 days and that I will have a letter sent out stating why and I will receive my check I have not received my check and I have been getting the run around in regards to getting my money I would like them to give me my money to pay my bills I dont have anything. Their basically taking my money and have failed to disclose why my account is on hold. They have failed to let me know anything in regards to my funds.
Consumer complaint received 2019-10-01
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. (CA)

XXXX ; Experian and XXXX are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (CA)

I never received any written notices nor phone calls regarding a debt. I did not find out about the debt until my credit score was already impacted and I checked my credit report. When I contacted the collection agency, they said that there were multiple attempts to contact me. I found out that they had the wrong mailing address and contact number. I feel as if I should not be penalized on my credit score due to their negligence and inaccuracy with my personal information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 2019-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

ENHANCED RECOVERY COMPANY & XXXX I tried to dispute this with the company but they are making up things saying that i owned some equipment which i did not return. I am currently a customer of XXXX and I successfully closed my earlier account with them. Despite that, and being a loyal customers for years, these false debt collecting strategies are hurting my Credit score.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I submitted CFPB complaint regarding Equifax XXXX and XXXX XXXX for the accuracy of the information being reported on my credit report by XXXX XXXX XXXX. I provided dates of all the discrepancies and consistent errors over the past XXXX years. I then requested the record be removed from my credit report due to the damage it continues to do to my credit worthiness. 

I am entitled to a fair investigation into the disputed information under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. 

Both XXXX and Equifax continues to violate these rules. The willful non-compliance and FCRA violations of XXXX and Equifax are causing significant harm to my financial well-being. An investigation was not completed to determine the errors. An investigation was completed to determine if the account was valid.