davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Guidance Alum LLC (KY)

I was contatcted by a company called Guidance Alum. They were calling me up to 3 times per day, even after I asked to be removed from their list, and I am on the national do not call list. I finally gave in and listened to what they had to say. They informed me that I qualified for student loan forgiveness through the CARES Act. I work at the post office so I knew I qualified for PSLF, which made everything sound legitimate. They took {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, {$49.00} on XX/XX/XXXX, and {$49.00} on XX/XX/XXXX. I was told the initial {$200.00} installments were to set up the program and get me enrolled. Then told that the $ XXXX would go to my student loans and be qualifying payments for the student loan forgiveness program, in which they were supposed to enroll me. I found out today, they were taking this money as a " fee '' for their service, and I have never been enrolled in the forgiveness program. None of the money I paid went toward my student loans, and they did agree to refund me the 3 - {$49.00} payments. They did not offer to refund the other {$200.00} payments. They signed me up for this program by providing false information I verified with them 3-5 times during the phone call, and they still insist they were not in the wrong. I contacted my actual student loan servicer and they advised me I had been scammed, and the services they claimed to provide were never put into action with my servicer, other than consolidating my student loans. I'm out this money, and if I could fall for this scam, having worked in finance part of my life and being of sound mind, I know others have probably fallen for it as well.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I've had problems using a debit card issued by Citizen 's ( after it's taken over XXXX ). I have money in my account, but my transactions are being declined. 

Customer service is off-shored and the wait times are hideous. ( This is a matter of public record per Citizen 's online customer ratings. ) Whatever has happened -- or isn't happening -- has caused innumerable issues in innumerable lives. And, of course, this is in the context of people frayed and fraught after two years of COVID and its collateral damages. 

How can a bank be so impersonal, cold and calculating, power-hungry and greedy right out of the gate? 

It seems downright evil. ( I don't use that word lightly. )
Consumer complaint received 2022-04-11
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. (PA)

Equifax did an investigation and deleted three old collection accounts however my credit score went from XXXX on XX/XX/2022 down to XXXX on XX/XX/2022. How could my credit score drop XXXX points when I am in good standing with all of my accounts it appears that this is a form of retaliation against me from Equifax
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

My US Bank Savings account was hacked online on XX/XX/20. There were transactions that were made that I did not authorize. Some of the charges were reversed with the exception of XXXX XXXX transactions in which they denied my claim stating they were authorized by fingerprint authentification. I have called several times to speak with a manager and I pretty much have been getting the run around because I have yet to speak with one. The crazy thing is 5 days prior to my account being hacked, I received an alert on my phone stating information changed on my account, and if I did not make the change to call the bank. When I called the bank nothing was never verified and she told me it was probably a delayed alert.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Weeks ago I received the attached 1099-A from Chase ( see attached ) showing in the top right corner of this form, that they have " furnished '' to the IRS, this attached form, when in fact I just got off of the phone with IRS representative ID # XXXX XXXX XXXX for near an hour talking with her. She informed me as of Today XXXX at approximately XXXX pm, when I talked to her that Chase did NOT file any 1099-A with the IRS. This is the second time since XX/XX/XXXX when Chase did the same thing with the last illegal fraudulent foreclosure on my home, sending me the first fake 1099-A form, which they later resinded and corrected the 1099-A ( see attached ). I am asking the CFPB to investigate and inform the FBI, FTC, and IRS of these false forms being sent to me in a desperate attempt to steal my home AGAIN with FRAUD!!, while emotionally terrorizing me for years. I am XXXX yrs old, XXXX, indigent, with only a high school education whom recently had XXXX XXXX in XXXX of XXXX and another medical stress related event This week being admitted to the hospital due to the severe stresses done to me here since XXXX by Chase for illegal foreclosures on my home.
Consumer complaint received 2022-04-11
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2015-11-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE (MN)

I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.
Consumer complaint received 2021-05-13
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. (TX)

Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my XXXX XXXX and this line item need to be removed from my credit report.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My name is XXXX XXXX, and I am having difficulty with my mortgage company called SPS Financing. In the past, when I applied for a deferment, sending all documents numerous of times to SPS, the company would calim that they never received documents that I sent. Until I got XXXX and CFPB got involved then SPS finally complied. I finally received the deferment and paid a fee to have my payment date moved to the XXXX of every month instead of XXXX XXXX due to I am XXXX XXXXXXXX. This company has been a nightmare from the beginningand has always had exercise predatory practice. SPS has done XXXX Annual Analysis within 15 days apart and has increased {$160.00}. Just today I received that the loan is being transferred to XXXX XXXX. 
I would like this mortgage company to be investigated due to increase of payments due to an increase payments.Attached is the documents. 

Please Address Accordingly, XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive requested to have the removed from my credit. It has yet to be done after several attempts. Please have them removed. 


XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX INCLUDED IN BANKRUPTCY XXXXXXXX XXXX DELAWARE XXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX xxxxXXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I BEEN WANTING TO SPEAK TO THE CEO OR SUPERVISOR.My account is paid in full and closed, for XXXX XXXX XXXX however its showing Im still 30 days past due for XXXX  2023. I am not understanding why Im showing 30 days past due when I paid the loan off. I feel very violated and wrongful of this on my TransUnion report. I am not understanding why this company keep reporting negative information. Im going to the police to make a report and will be getting my lawyer involved There is no way I should still be showing late on my credit report of the account is closed and there is no balance! How Im 30 days late if there is no balance? WHY IS IT STILL SHOWING LATE FOR 2023 XXXX I paid the balance! I am getting the police involved!
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender Bay View / Community Loan Serving and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/ 2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
Consumer complaint received 2022-04-11
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)

Equifax is breaking the law and I'm being a victim of Identity theft by Equifax Information Services LLC and I am being ignored by their company. ( Police report attached and FTC report attached ) Please be advised this is my third complaint with the CFPB, This is the second time Equifax information Services LLC send me the same correspondence ( attached ) making false statements that the proof of identity does not match the information they currently have on my credit file, not only do I believe this to be a stall tactic on their part to avoid and not to comply with my original request, but I believe it to be a blatant violation of the FCRA. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act. 

I sent them 5 times, let me repeat.. 5 times ... my social security card, two bills with my current address, and they still making false statements that they cant verify my identity. ( attached with this complaint my social security card and two bills with my current address ). 

Also their CFPB responses always is the following " '' Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file '' '' STOP STOP STOP WITH THE SAME RESPONSE STOP violating the Fair Credit Reporting Act I have a relatively high degree of mental pain and I'm suffering mental anguish, feeling overwhelmed helpless, XXXX and spending a lot of time worrying due to the Identity theft caused by Equifax Information Services LLC I will continue to make complaints with the CFPB and the State Attorney until Equifax stop breaking the law. Equifax Information Services LLC is in violation of 15 USC 1681b ( a ) ( 2 ). I the consumer never gave Equifax Information Services LLC any written consent to report the mentioned accounts in my consumer report, ( XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX ) No consent is Identity Theft.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NV)

My checking account was closed in XX/XX/2019in the amount of XXXX due to them allowing a company to take out funds from a debit account that was not a credit card account causing me overdraft fees and then closing my account and I really do not have the funds to reopen it because i am on a fixed income. 

I spoke with an secretary to the President of the bank and she stated that they should re-open the account since the balance was near to XXXX dollars. So I have contacted them by phone, in-person and written communications to no avail.
Consumer complaint received 2023-06-30
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WY)

My wife and I refinanced with the first paymet being due XXXX. I setup for auto draft, and it has been XXXX ever since. As of now Cardinal Financial has pulled and paid XXXX, XXXX, and XXXX. They have been slow posting on every month, and have not posted XXXX or even pulled XXXX. We want to pay this house off, not have it damage our credit, and pay interest on payments that should have been posted on the first of each month. We have made multiple calls and keep getting the run around. My wife spoke with them on XXXX, and I spoke with them today XXXX, and all we hear from them is the same old thing, " I'm not sure why it's been such a problem '' or " we'll get back with you in XXXX business days ''. There has to be a way to protect people from lenders like this!
Consumer complaint received 2021-05-15
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response or any notification of the status. I feel deeply that I have been taken advantage of and my disputes are being ignored.Section 611 ( a ) states clearly that failure to investigate these items within 30 days is reason to immediately removal from my credit report. It has been over 30 days and they should be deleted. I demand that theses items be deleted or I will file for litigation due to the stress of this situation.My information was impacted by the XXXX data breach and could have possibly been affected.
Consumer complaint received 2022-09-28
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. (GA)

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies I am a victim of identity theft and I complaint to dispute certain accounts in my file resulting from the crime. 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. I took the liberty to investigate my own Credit File since the Credit have done nothing, I immediately took note of the following : a ) Some of the account in dispute were already removed from my Credit File with the other Credit Bureaus and yet are still being reported by some of the Credit Bureaus ; b ) these accounts were the result of my identity being stolen ; and c ) despite my attempts to dispute these accounts, the Credit Bureaus have been doing nothing. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove the disputed accounts since these accounts were results of identity theft. Under the FCR section 605b, I am requesting that the Credit Bureaus remove the disputed fraud accounts and information completely from my Credit file as soon as possible : XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the Disputed accounts belong to me, please send me copies of proof of verification as well as copies of documents bearing my signature. If the Credit Bureuas can not provide me copies of of proof of verification, please have the disputed items removed as soon as possible.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-11
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. (GA)

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to TransUnion on XX/XX/22 under XXXX tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.