davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America kept the loan payoff I did for someone. Bank of America has had the loan holders written permission since XXXX to look into this matter. 

Instead of looking into the matter, the bank hired lawyers to lie to judges faces to cover this up. 

When I payoff someone's bills or loans I have local police keep a copy. I have the copies the XXXX Police department had on file. 

CFPB Bank of America keeping the loan payoff has nothing to do with the loan holder. 

The loan holder couldn't make Bank of America do anything with the payoff I sent. 

Not once has Bank of America said why it didn't send the payoff back to me. 

Not once has Bank of America said why it didn't apply the payoff I sent to loan.
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

To whom it may concern : I have been submitting documents to my mortgage lender so they can review me for a loan modification. They continue to advise that they are not receiving my documents when we are getting an email confirmation. Something is going on with their intake team that this delay is not helping me. I need a manager or supervisor to get involved and help me save my home!

I don't need another excuse for them saying they never received any documents.!
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

Citi Double Cash Card - Denial of promotional offer after meeting eligibility requirement : XX/XX/XXXX - An application was submitted in citibank.com ( Application ID # XXXX ) applying for the Citi Double Cash Card with a promotional offer of {$150.00} to be credited to the account on the condition that {$500.00} is charged within the first 3 months after activation of the card. 

XX/XX/XXXX - application is approved. 

XX/XX/XXXX - {$1000.00} is charged to the card. 

XX/XX/XXXX - I contacted the Citibank Customer Service team and was informed the promotional offer was not on my account. I was told I had to prove I used the correct link when applying. I explained I had no way of proving that and can not control that advertising links are correctly linked on their network. I filed a complaint to be internally reviewed and processed adamantly explaining the offer was on the citibank page when clicked. 

XX/XX/XXXX, Citibank sent a letter stating the account is not enrolled in the offer to receive the {$150.00} cash bank promotion and it states I did not apply using the correct link. 

XX/XX/XXXX - I called Customer Service again and was forwarded to a manager who explained I can file another complaint internally but would not get any different results. She explained Citibank would just mail me the same letter. 

I also wish to add that I have no credit card debt whatsoever along with a very high credit score, and am solely filing this complaint as a matter of principle. I feel defrauded entering into a contract with the promise of an award never realized. Consumers have no ability to control the advertising links on these offers as they are directed onto the Citibank network and are easily subject to fraud. Citibank makes no apology and shockingly asks consumers to provide information about their own network - clearly outside the control of the consumer.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
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)

On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

I attended XXXX XXXX XXXX during the Spring XXXX semester and took two evening classes. One class I was extremely happy with, however the second class ( interior finishing ) I was completely disappointed with the instructor and instruction and the lack thereof. I spoke to the administration regarding the instructor and the fact the not only I, but other students were unhappy about the instructor and the class. From my understanding the instructor was spoken to regarding this situation, however nothing changed regarding his behavior. After giving a chance for the level of instruction to change but hadn't, I ended up dropping the class. 

On or about XX/XX/XXXX I received a notice from XXXX stating that I owed {$4100.00} in tuition for the class that I had dropped. I spoke with XXXX XXXX in the Business Office and informed her that I had dropped the class due to the lack of XXXX not providing a competent instructor for the course and that I would not be paying the tuition amount because of this. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX to inquire about this issue. After getting off the phone with XXXX it was my understanding that XXXX would not seek to collect the tuition. However on or about XX/XX/XXXX I received a second notice, which I thought perhaps was an oversite on XXXX XXXX part. However on or about XX/XX/XXXX I received a " Final Notice '' from XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX. and spoke to a XXXX in the Business Office and advised her that I had sent a letter to XXXX dated XX/XX/XXXX and to delay any further collection activities. 

On XX/XX/XXXX I received a letter from XXXX XXXX law firm, XXXX XXXX XXXX, seeking to collect the debt. According to their letter I had 30 days to dispute the debt in writing and they would provide me with verification of the debt, which I did. After my letter I never received any further correspondence or verification of the the debt. I assumed that matter had been dropped. 

On or about XX/XX/XXXX I received a collection notice from Conserve regarding the alleged debt from XXXX. I called XXXX once again and spoke with XXXX XXXX and she inform me that I would have to speak to a XXXX XXXX the VP of Finance. I asked that she have him call me. I never received a call. As per the letter from XXXX, I had 30 days to dispute the debt, which I did via mail on XX/XX/XXXX. I never received a call or any correspondence from Conserve. 

On XX/XX/XXXX I received an email from XXXX Identity works which reported that Conserve reported their collection activity to the credit bureau which has damaged my credit rating which I have been trying to rebuild over the past few years.
Consumer complaint received 2024-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I'm serious about suing your company for failing to investigate and remove inaccurate information from my credit report, as required by the law. I've repeatedly asked you to address the issue with the specified accounts linked to DEPT OF EDUCATION/XXXX  but you haven't taken any action, violating the Fair Credit Reporting Act. Please remove these accounts promptly, or I'll proceed with legal action.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2021-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Today, on XX/XX/XXXX at XXXX XXXX, I received a text message from # XXXX stating that BOA was unable to access my XXXX credit report for verification of credit history. 
I currently have a Fraud Alert and Block on the three major credit bureaus and other bureaus that are utilized for credit history verification. 
During a call to customer service, I spoke with XXXX, who stated that there was no evidence of any account currently in my name and that a Bank of America Credit Card application was submitted on XX/XX/XXXX. No further information was provided. 
I was then transferred to the Fraud Department. The pre-recorded message stated that I would be contacted by email, which had not yet been submitted. 
I have previously experienced verbal acknowledgement at the XXXX, illinois Location, of a home loan that did not surface during a XXXX bankruptcy filing. An actual application had been submitted to purchase a XXXX XXXX townhome in XXXX XXXX, Illinois. The loan request submitted at was denied. 
In an attempt to obtain information on said loan at a later date, I was told that no information was available pertaining to the loan ever existing. 
Following the bankruptcy filing, I was advised by a Debt-XXXX XXXX employee via dial that I must submit payment for a home mortgage that did not surfaced during the filing. 
Today at XXXX, I spoke with XXXX ( sp? ), who transferred me to the Credit Card Department. The prerecorded message stated they where unable to take my call. The recommendation was that I attempt to call back at another time. 
At your earliest convenience, I would like all pertinent information concerning the application submitted, identification submitted as verification of identity today so that I can make one trip to file a police report for this identity fraud attempt along with a recent submission and denial letter in the last few days from XXXX for a Credit Card. 
There has also been a disputed fraudulent Bank account closed with a police report number filed following two attempts at XXXX XXXX in Illinois.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have disputed this information on my credit report they stated they verified and I have letter from the agency stating they dont report this information and requested it to be deleted. It was removed from XXXX and the other two bureaus have yet to comply
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

Date XX/XX/2021 amount is {$0.00} it was paid and terminated by default and the company still put it on my credit report! company XXXX XXXX XXXX phone XXXX!
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I ask capital one for a credit increase last week on XX/XX/2019 and my credit increase was decline due to unfair practices with this bank. When I contacted the Bank on XX/XX/2019 I was rudely treated by a customer service agent with a high language barrier, so I asked to speak to a supervisor and she was so awful and rude and she also mention that she could not explain to me as to why my credit line increase was not granted. I also ask her to review the letters that the bank send to me and she was not able to see that from her side. I was like how can you not see what your bank send me. this is terrible service and the was I was treated was terrible. Capital One need to improve their customer services and train the leaders better,. My credit score is XXXX and I have 15-20k credit limit with other bank. Only Capital one was the one that decline me an increase for a silly reason. I will be closing this account if I don't get my credit increase.
Consumer complaint received 2021-12-02
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: SYNCHRONY FINANCIAL (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( SYNCB/XXXX XXXX XXXX )
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MD)

In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University or even XXXX  and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NC)

XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My complaint concerns the PMI on a mortgage loan with Santander Bank. 

The Bank keeps charging me for PMI even though my outstanding balance, as of this moment, has dropped below 67 % of the lesser of the original purchase or appraised values. I have never missed a payment. 

I contacted the bank in XX/XX/2020 when the outstanding balance was 76.04 %. They replied that " To qualify for PMI cancellation at this time, you have to ... order a new valuation to verify that your property has maintained its original value. '' I did not order a new valuation because I knew that they should automatically cancel the PMI when the balance reaches 78 %. It says so in the 1098 Form which Santander themselves send every XXXX for my tax records. 
" If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' It's been almost a year since my outstanding balance reached 78 %. I still pay PMI every single month. 

My request to Santander Bank is to cancel the PMI on my loan immediately and to reimburse me for the months when I was changed improperly.