davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I opened a checking and savings account with Cit Bank around end of XX/XX/XXXX/XX/XX/2018. They had a promotion at that time - deposit {$15000.00} and get {$500.00} bonus in 6 months. I have fulfilled all the requirements and deposited {$15000.00} on XX/XX/2018 as well as set up direct deposit ( first direct deposit made on XX/XX/2018 ). After a month I have called to make sure I'm qualified for the bonus and met all the requirements. Citibank representative verified over the phone that all is good. I have also received an email stating that " I have earned my cash reward '' and it will be deposited to my account within 30 days. Last weekI logged in to my account I noticed that my Savings account was closed. I havent initiate that so I called the bank to check why. I was told it was closed due to inactivity. I have also asked when my bonus will be posted and the representative said that I'm not qualified for the promotion any more since my savings account is closed. It wasnt communicated to me that both savings and checking account need to be open for the bonus to be posted. No one acknowledged me of closing my savings account either. So I filed a dispute and the answer came back saying that my " Checking account was closed on XX/XX/2018 '', therefore I'm not eligible for the promotion. That is simply incorrect. My checking account still open. Seems like Citibank just trying to find an excuse not to pay the bonus.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit Bureau Reporting Current address, since XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report.

The above 2 addresses STILL remain. I believe Experian reports the XXXX, TX., and XXXX XXXX , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/XXXX. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

I need my mortgage modified so I can have a lower payment and based on my income. I requested from my mortgage company Ditech XXXX XXXX a mortgage modification and submitted my financials several times. They said to me I've had several modification which is not true. 
I have not received a modification in the mail. I'm elderly and I don't want to loose my home. I also take care of my XXXX sister.
Consumer complaint received 2018-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

Saturday XX/XX/XXXX I received a CP2000 form from the IRS. It stated that I had 2 disbursements that I did not account for on my XX/XX/XXXX Taxes. Upon inspection there where two that pointed to JP Morgan / Chase Bank on a retirement account ( CD ) that were distributed to me. The account information states that it showed my Social Security Number ( SSN ) and gave the details of it being from a Chase Bank Retirement CD. I called the Chase Bank 24-hour phone number and asked them to look up my SSN to see if I had any accounts on file with Chase - as I have never used Chase Bank for anything. They stated no they had no accounts for me and told me to go into a local branch bank on Monday to get more information. I also called the IRS to ask them more about this item. They told me to get a letter from the bank on Chase 's letterhead stating that I had no accounts with them and the IRS then would investigate and remove this said money due. After waiting for three ( 3 ) days to hear back from Chase because the branch manager " wasn't available '' for whatever reason, I finally was told that because I have no account on file, they can not draft any letters on my behalf and had very little concern for my issue. I then went home and called the IRS again. They have since ( with my permission ) sent a payor letter to JP Morgan/Chase to request them provide proof that that debt is mine. I was told that I have to give it 30-60 days for the letter to be mailed by IRS, received by JP Morgan/Chase and then responded to by JP Morgan/Chase. Since the Chase Bank helpline and the branch bank both show no record of me having an account, I expect this issue to be resolved. But if they come back and refuse to remove this debt from me, I was told that I might need to seek other means to resolve this. After talking to the IRS, they stated they only go to the taxpayer for this when the financial institution reports this income to IRS. The fact that Chase Bank showed little concern for my problem and refused to assist when this is clearly their error is something that I am bringing to your attention and ask if you will please investigate this matter and help me and others not fall victim to this kind of treatment and mistake by JPMorgan/Chase?
Consumer complaint received 2018-10-23
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: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal credit union continues to attempt to reinsert fraudulent accounts onto my consumer reports and credit files. First of all I provided Navy Federal with my Law Enforcement Identity theft affidavit that clearly and explicitly explains that I am a victim of identity theft. Furthermore my wallet was stolen and Navy Federal allowed two credit cards to be opened in my name. I never received any credit cards, nor membership information, nor anything about these accounts in the mail since my mail had been forwarded and email addresses also hacked after my wallet was stolen. I tried reporting these accounts to their security department which told me that they believe I opened these. I advised I definitely did not. I also explained I never signed any membership packet, because I never received one. I never received any of these credit cards nor did I ever sign for these. The security representative then proceeded to threaten me, threatening violence and also action against me. He told me he would come to my house, and then told me that he would burn me down to the ground that he was a law enforcement officer. I hung up, and I feel physically threatened and scared to call back. Additionally their customer service rep told me that the one account is supposed to be {$15000.00} limit and navy federal additionally falsely reported this again as a {$25000.00} limit. Again Navy Federal hasnt provided any information. I did not receive these cards, and I did not open membership with their institution.
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

I am XXXX XXXX XXXX and have applied for the XXXX  discharge months ago. My balance keeps going up with no explanation and negatively being reported on my credit report when I don't even have a payment due! I have submitted all of my letters from Social Security XXXX  to Nelnet to prove this.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (NH)

I was seen by XXXX XXXX  in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

In XXXX I requested was granted a forbearance on my loans by XXXX, however one month, the month of XX/XX/ shows a 90 days past due on all 11 loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have medicaid. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (FL)

This account has been falsely reported as mine and reported twice as two different accounts if not removed I shall be pursuing litigation I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-11-19
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; USDOEXXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT XXXX XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

As per my conversation w/a representative from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
Consumer complaint received 2021-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I monitor my credit report using XXXX XXXX and XXXX. When I checked my credit score on XX/XX/XXXX, my credit score had dropped 59 points on XXXX XXXX. I understand that XXXX XXXX  is a third-party, so I checked my Equifax report through Equifax.com. They showed a drop of 56 points. The accounts that are reporting on my credit report have been reporting. The negative and positive ones. According to XXXX XXXX the only change that had taken place was that my credit card balances were paid down and that a negative account was removed from my credit report. This was the same on Equifax.com. Therefore, two positive occurrences happen yet my credit score dropped tremendously. Again today XX/XX/XXXX, I check my credit score I did open a new account Equifax dropped my credit score 39 points for the new account. XXXX I lost three points for the new account. And XXXX I lost 11 points for the new account. But Equifax dropped 39 points for the new account. That coupled with the 59 points that they dropped me for the positive changes on my credit report, has dropped my credit report to XXXX with Equifax when everyone else is at XXXX. I did call to speak to Equifax I did ask that an investigation into this matter be open I was denied the manager I was denied the investigation and the representative stated that a negative Point drop when two positive actions have taken place Justified a 60-point drop at that time. And now a new account has dropped me 40 points. There is clearly a problem in the Equifax system here that they need to address. I also find it completely funny that you're speaking to someone who is not from the United States about your credit reporting for the United States and they have no idea what credit is because they don't have it in their own country. This needs to be investigated and resolved immediately. Equifax can not do this to people I am working on trying to purchase a home and I understand that we rely solely on technology. But no additional negative accounts, and a negative account being removed, paying down two credit card balances to less than 1 %, and opening an account does not constitute a 100-point drop on your credit score. I would like this matter investigated and resolved. I issued a complaint and it was closed saying to call them about incorrect information on my report. THAT IS NOT THE ISSUE THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail. If it can not be resolved this time I will be taking further action!!
Consumer complaint received 2024-02-28
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. (NV)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX and Equifax credit reports have my name as XXXX XXXX not XXXX XXXX and its been legally changed since XX/XX/2018 by the state of New York XXXX XXXXXXXX XXXX
Consumer complaint received 2019-06-10
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. (NV)

Equifax has verified an item on my credit report. I have sent proof from the original creditor showing that showed a XXXX Balance. XXXX is a complete joke, that simply verifies items without a true investigation. This is a medical collection, so once the balance is paid it should get deleted immediately due to Hippa Laws.
Consumer complaint received 2018-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible.
Consumer complaint received 2021-03-29
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. (GA)

Identity Theft & Fraud, that was never blocked/removed, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts Accounts Information Incorrect, on loans balance, payments amount. Account not charge of paid in full.
Consumer complaint received 2021-03-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MS)

After switching over from Ditech to Shellpoint I thought that everything would be better. I was wrong. I tried to tell them that Ditech was wrong about the months I was behind. They didnt try to sort out the problem. To make a long story short they dont offer modification. Which is sad because just about everybody has struggled during the pandemic and payments should be brought current to help everybody out.