davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX sent a letter to dispute a debt with Macy 's Department Card. When I attempted to contact this company, at XXXX, I was unable to make contact with any representatives in the year ( s ) XXXX and XXXX. In XXXX, I reached a representative at the telephone number ( XXXX ) XXXX and told that XXXX XXXX XXXX XXXX no longer is managing this account and I need to contact Macy 's for more detail. I was unable to get a complete account number.
Consumer complaint received 2017-08-21
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. (CA)

I am demanding that this repository correct my credit report and actually conduct an investigation into the errors Ive pointed out and remove this unverifiable item. Furthermore, I sent them another dispute letter ( see attached ) lastXX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been unable to remove the fraud alert ( s ) on my consumer report on your website. After several attempts I keep receiving an error message stating Were experiencing technical difficulties and were unable to process your request at this time. I also attempted to remove the fraud alert ( s ) by phone but was denied and told that I have to send in a written request. I was told by your Representative XXXX XXXX that you let some consumers remove fraud alerts online and by phone and other consumers have to send in written correspondence. This is unfair business practices and your company neither exercised its responsibilities with fairness and impartiality. This entire process has been frustrating and mentally exhausting. 

This is my NOTICE of consent to remove any/all fraud alert ( s ) that are active on my consumer report. My Drivers License and Social Security Card have been attached to this correspondence. Please send me a written notification that the fraud alert ( s ) have been removed and an updated copy of my consumer report.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2022, I sent a 609 verification request of accounts listed on my credit report requesting the original account baring my signature. I was never notified an investigation was started. I than sent in a demand to comply letter as incorrect and inaccurate information on my profile has hurt me tremendously in opening new accounts.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : Transunion XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MO)

First of all My loan was sold from XXXX to XXXX XXXX. I did not know where to send payments so I saved them. In XX/XX/XXXX i contracted XXXX. And lived off of these payments. My mortgage went into foreclosure, i talked to the attorney 's office that filed the forclourse, XXXX XXXX XXXX, because I owed a low amount, I told them I wanted to sell the house and pay off the mortgage they told me this was a great plan, because of covid they couldnt forclose while I was living there. I put the house up for sell, had a buyer moved out, then they filed for forclourse with an aution and 20 day eviction. My buyer backed out. So i filed XXXX  XXXX bankruptcy. While this is going on squatters moved in, trashed house, which I then had to clean and repair, put house back up for sell. I knew I couldn't continue to afford bankruptcy. So Ive agreed with attorney to drop it. I currently have 2 offers on house for more than I owe, but XXXX  XXXX, Loan care, and the attorney 's group representing them refuses to work with me or allow me to sell it. Since XXXX I have paid over XXXX for this home, after spending over XXXX. In attorney fees and repairs Im broke, I have XXXX XXXX and working is becoming more difficult every year. I dont have rent for this month so may need to move back in home, or i will be XXXX  at XXXX XXXX XXXX. I don't understand why they are refusing to let me sell it when it would pay them in full including all the additional fees which increase by the month, and would allow me to live somewhere else. I was told that ir " might '' be because the company would make more reporting it as a loss due to covid than me repaying them in full.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth  ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ...  completely innacurate
Consumer complaint received 2017-08-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) which is the homeowner 's association of approximately 2300 homes in XXXX County, XXXX, Texas. We have had an ongoing Certificate of Deposit with Compass Bank since approximately XX/XX/XXXX. At that time XXXX XXXX was the President of XXXX and XXXX XXXX was the Treasurer. XXXX XXXX is still the Treasure of XXXX and is most likely the signer on this CD. I have enclosed a copy of our Board of Directors minutes showing that I am the XXXX and XXXX XXXX the Treasurer. We renewed CD # XXXX on XX/XX/XXXXfor two years. On XX/XX/XXXX, XXXX XXXX and I went to the Compass XXXX branch to move the CD to another bank. After waiting for over an half hour we finally were assisted and the employee told us that we do not have a CD with Compass. After pressing her on the issue, she finally stated that Compass has deemed the account inactive and had escheated the funds to the State of Texas. We asked how that could be as there is never any activity on CD 's with the exception of the regular interest deposits. She had no explanation. We asked who we could contact at Compass to follow up. She would only state that the funds were with the State of Texas and nothing more she could do. She also stated that they had sent a letter to XXXX XXXX informing them of this action earlier this year and that the funds went to the state in XX/XX/XXXX. I am retired from a 40 year career in XXXX and this stuck me as very odd. The employee was totally incompetent. We called XXXX XXXX, who is the management company for XXXX. They stated they never received any letters of such from Compass Bank and called the State of Texas Unclaimed Property Division and was told that they did not receive the approximate {$54000.00} in funds from Compass Bank. I tried to call Compass but one only gets a call center in XXXX, TX and its almost impossible to deal with those lower level employees. Finally I was able to talk to a supervisor, XXXX XXXX, who stated he would forward this matter to their corporate office, wherever that maybe! Thus far I have not heard anything further. So Compass claims they sent our funds to the State of Texas. The state claims they do not have them. We need to find out the date that Compass sent those funds, the amount sent and the manner they were transferred, ie wire, mailed check, ACH, etc. If the funds are indeed with the state we can access them back. However as a former bank I well know that somewhat inactive accounts are fertile ground for employee embezzlement and I would not be shocked if this were the case. We are finding it extremely difficult to deal with Compass Bank as no one can provide any additional information and they will not provide phone numbers or names to call with the exception of their Call Center which has minimal knowledge at best. Your assistance on this matter is much appreciated and I have attached various documentation to assist you in this very important matter.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

I have been trying to purchase a short-sale property with this company since XXXX of XXXX. They keep messing up the paperwork. They aren't making this a priority. They keep saying 24 hours, yet it has been months. I'm a first-time buyer, and this company hasn't made it a happy experience. They gave a date of XX/XX/XXXX, but I still haven't closed. My information is just sitting in underwriting because this company keeps dropping the ball. I have all the emails of the lady XXXX not responding to emails as well.
Consumer complaint received 2022-05-16
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. (CA)

For several months I fought Experian because they REFUSED to block information on my credit report that was the result of identity theft. I repeatedly provided them with copies of all the documentation that requested to block the information, but instead they kept opening disputes instead, in direct violation of section 605b of the FCRA. Finally after months of frustration someone finally assisted in the blocking of the account of concern. Then this morning, several months after the account was blocked, I got a notification from Experian regarding a dispute they claim I initiated today ( XX/XX/XXXX ) for this account. They then finalized the dispute in less than an hour and placed the account back on my credit report. The account in question is a XXXX XXXX account with account number XXXX and was opened in XX/XX/2014. This is not the only account or piece of information that had to be blocked as a result of identity theft, but its the only one they blatantly refuse to comply with the FCRA and handle in a lawful manner.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (NC)

I received a call in XXXX from a company saying they were contacting me to collect on a loan for a bank overseas located in the XXXX. I have not heard from this bank in over XXXX XXXX and they need to contact me so I can see what the issue was. I explained that when I left XXXX XXXX ago, my company said they would settle my debt with my remaining pay check. The gentleman then started to get rude and stated that if I did not pay him he would ensure that he would watch my credit and if I applied for any loans he would ensure he would report this and make it difficult for me to get the loans. Again, this was a loan from over XXXX XXXX ago and I have not heard from the original creditor since I left the country. 

Again, over the last XXXX they let the interest build up before contacting me. The collection agency is Cedar Business Services and the original loan was through XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-23
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. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.
Consumer complaint received 2019-11-20
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. (NY)

EXPERIAN IS TREATING ME FOE THE FIRST TIME HORRIBLE IM A IDENTITY THEFT VICTIM THEY HAVE MY POLICE REPORT ON MY FILE AND EXTENDED FRAUD ALERT ON MY FILE AND NOE THEY BLOCKED A FRAUDELENT ACCOUNT FROM APPEARING ON MY REPORT AND ITS BACK I CALLED THEM THEY REFUSE TO HELP ME AND TELL ME TO CONTACT THE COMPANY WHICH I DID BUT THEY REFUSE TO HELP ME RECOVER THEY HAVE REINSERTED AN ACCOUNT FROM 2015 WHICH I DID NOT APPLY FOR THEY TELL ME TO DEAL WITH EXPERIAN AND THEIR IS NOTHING I CAN DO THIS IS RIDICULOUS I FEEL DISCRIMINATED AGAINST BY EXPERIAN
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

My name is XXXX XXXX and I co-signed my daughter 's - XXXX XXXX student loan with XXXX. The servicer is AES. The account is XXXX XXXX XXXX. The current balance is about {$24000.00}. After XXXX made perfect payments for 48 months, we requested from AES in XX/XX/2016 that I be removed as a co-signer. As of today, the payments have been automatic and on time for nearly 60 months. We have received conflicting information from AES Customer Reps, submitted the same documents four ( 4 ) times including those with return receipt requested, were lied to by AES that they did not receive the requests for co-signer release ( later saying that they did receive ), were told that decision is up to XXXX, when we called XXXX they say that decision is up to AES. Each Customer Service Rep has a different story about what was sent, what was received, and whose responsibility it is to provide me with a co-signer release. I have not been denied a release. I have been prevented by AES from being considered. The process is not transparent, the Customer Reps each say something different, promises are made which are not kept. At best I suspect AES of being badly managed. At worst, I suspect a fraudulent attempt to keep me from obtaining a co-signer release. Please look at this matter.
Consumer complaint received 2022-03-23
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. (GA)

An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion.

Account : US Dept of Ed
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted BoA numerous times for a dispute on unauthorized fraudulent transactions. The first time I was denied the agent told me that it was because of not being able to get ATM security footage. However they agreed that I shouldnt be held responsible for that so they reopened it. After that it was reopened several times and each time would be a different reason or they couldnt give me one. Also it was as if they would deny it immediately because the claim would be closed within the next day or two without it being reviewed thoroughly. I have still yet to be credited back the amount of money taken. It has become an inconvenient and now have gotten behind on bills. I also asked several times to mail out any documents they used to make a decision but I have never received anything. Also there are already allegations against BoA for prepaid accounts being frozen and not crediting money back to accounts that also reported unauthorized/fraudulent transactions. This is a very unacceptable business practice.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX atm was malfunctioning, I tried to cancel the deposit and get my check out when it asked me to manually enter the amount it would not allow. 
I then get a message that I would have to wait til XX/XX/XXXX for my paycheck to clear I then go inside the bank to a manager wh tells me that I would have to wait til midnight to aee if my check clears then he can call the writing bank and if it cleared out of that person 's account then they could call loss prevention My check clears always the following day and {$500.00} is available right then and there I have now been told while my family is sufferung financially from covid that my pay check will not be made available until XX/XX/XXXX which is about ten days not the seven they claim My family as no money to eat, our water and electric will be shut off because I chose to go to an ATM and put my check into my chase account I could have went anywhere What am.i suppised to do until then we have nothing at all but {$.00} in our account There has been XXXX  checks deposited in this account for over 10 years and a check has never bounced ever I was told by a rep XXXX yesterday there waa a hold and then when transferred to a mamager I was told there was not a hold his name was XXXX this is not a game but the way my family will survive
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (AZ)

I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUN LOAN COMPANY INC. (NM)

I had a loans with Sun Loans in XXXX NM and only authorized them to pull my credit report once when I applied for my loan. Today I reviewed notification they pulled my credit report without my express approval as I did not apply for a loan today.