davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank sent me an account opening bonus for {$700.00}. {$300.00} for opening a checking account and making $ XXXX direct deposits within 60 days, {$300.00} for opening a savings account and making a {$15000.00} deposit within 10 days, and {$100.00} for doing both. I opened the account on XX/XX/2021. I called customer service today to check on the eligibility of my offer, and was told that I only qualified for the checking bonus due to the $ XXXX deposit not posting into the account until the 11th day. I made this deposit within the first week of opening the account, and an " extended hold '' seems to have been placed on my account, because standard availability did not occur, despite bringing a cashier 's check into their branch location at XXXX XXXX XXXX, XXXX, PA XXXX. I was never told about an extended hold and believe that this was done with full intentions to not pay the remaining {$400.00} bonus out. When I asked to speak with somebody higher, I was told that this was firm and they will not be paying this bonus out due to the deposit posting on the 11th day. This is entirely unreasonable and entirely shady on behalf of the bank, although this seems to be common practice with Citizens Bank. I want my {$400.00} bonus paid out on or XX/XX/XXXX, along with my checking account bonus, which is set to be paid out on that date as well.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report. 



I request that Bank of America close and remove this account from my credit profile/report immediately.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (TX)

I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Lakeview Loancare assumed my mortgage from XXXX as of XX/XX/2021. Multiple issues occurred with XXXX that I disputed for the last several months. I was told I had an escrow shortage of more than {$2000.00} but after researching multiple errors on XXXX 's part I was reimbursed and should have offset the whole shortage. No more than did I think the error was taken care of and that I could ask Lakeview to do an out of term escrow analysis to realign my payment, when I discovered that Lakeview turned around and double paid a tax bill that was already paid and a penalty bill that should not have been paid on XXXX. ( the penalty was an issue I fought with XXXX about and they agreed it was their fault and accepted responsibility and reimbursed me the penalty fee ). Here are the transactions : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX called Lakeview several times and have been told that they realize their error but that I will have to wait for the return of the checks. The tax office has not received this double payment nor has the collection agency. No one seems to know where these payments went to and Lakeview won't give me an address. I have been waiting for another 5 weeks to get this fixed. After 3 months of fighting with the prior mortgage company. I feel as if this is negligence on the behalf of the lender and if I had not taken hours to figure out all of these error and 20+ phone calls, I am not sure I ever would have seen any of the money returned. Please can you help me get the {$210.00} & {$690.00} reimbursed to me? I am so frustrated and they are completely unhelpful! XXXX XXXX
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (TX)

I am a consumer, natural person and original creditor. A letter was received from Credit Control LLC on XX/XX/2021 alleging as fact that i owe XXXX XXXX XXXX XXXX {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. Credit Control LLC violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. XXXX XXXX XXXX XXXX is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) Credit Control LLC violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
Consumer complaint received 2021-01-22
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: Experian Information Solutions Inc. (MI)

I had two hard inquiries on my experian report that I did not make XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I contacted them and they told me that the loan request was declined. The second was US SM BUS Admin ODA XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX They indicated this application was also declined
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

Experian.com has been sending me emails that have in the subject the total of my debt. These emails also show up as notifications on my phone and because they are in the subject line, anyone can see them if my phone is present. This is an egregious privacy problem, especially because it's in the subject line and can be seen when I open an email account without opening the email. I never have received emails from any business that had exact figure personal financial information in the subject line.This started shortly after asking for credit report XXXX and I receive these and similar emails with credit limit info in the subject line. I have contacted them XXXX about the problem and received a message of a reply in 2 days. I never received a reply.
Consumer complaint received 2020-07-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AK)

I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
Consumer complaint received 2019-03-11
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. (AZ)

I contacted Experian to inform them the following information is incorrect. The information is still reporting incorrectly : My name is NOT and never have been XXXX XXXX XXXX, delete from aka or otherwise. The following addresses are inaccurate and require deletion from my report XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX-please add to report. My current employer is XXXX XXXX XXXX XXXX, please add to my report. I am a XXXX veteran of DEPARTMENT OF US XXXX. Please update personal information accurately. 
Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTCoveraccounts : AARGON AGENCY # XXXX Third-Party Collection Agency is unable to validate the debt.Other problems have included debt buyers selling with accounts with one creditor and thenbeing collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyershave purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist.LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio thatincluded the debtor 's account ), or debt buyers attempting to collect monies in excess of thebalance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp.2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All ofthese accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! Ihave not received any documentation from any of the above companies and I request againthat Proof of Claim and verification.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by XXXX XXXXXXXX XXXX  XXXX. I was going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from Citibank & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2018-12-06
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: Experian Information Solutions Inc. (CA)

1. EXPERIAN BUSINESS CREDIT - XX/XX/2017 -  UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. EXPERIAN BUSINESS CREDIT - XX/XX/2017 - UNAUTHORIZED INQUIRY
Consumer complaint received 2022-04-28
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. (MA)

This is an ongoing investigation by cfpb complaint # XXXX regarding Equifax. 
I just checked my Equifax Credit Report today on XX/XX/XXXX and found out Equifax has recently added additional Fraudulent information into the account XXXX that is currently being investigated by Consumer Financial Protection Bureau. 

In addition to what I already reported. Equifax recently put a New Fraudulent Last payment date of XX/XX/XXXX. Fraud Also a Fraudulent Date reported of XX/XX/XXXX is still there Original Equifax Report has a date of date reported as XX/XX/XXXX. 

Both Original Equifax Report and Current report attached
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jim Bottin Enterprises, Inc (NY)

Complaint against : Our mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX I was on month to month, new owner took over fraudulently forged a new contract, which I did not know until I demanded a copy otherwise I was sueing, When I got it on XX/XX/XXXX she renewed it till XXXX. I NEVER agreed to renew with her. I went there multiple times in person owner only comes in between 12- 5, when normal people work. She is the only one who can give me " official '' cancelation form. the girl at the desk new and said owner blocked her from printing but I could take a photo. I reached out on XX/XX/XXXX again in person because I had bought a bottle of water she kept my XXXX on file I NEVER AGREED TO and charged it again. I hand wrote one on XX/XX/XXXX Sent text emails she is trying to charge me monthly. I have not been to gym in months, and still getting payment emails and phone calls.
Consumer complaint received 2019-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MS)

I borrowed {$15000.00} on XXXX from Citifinancial. From XXXX until XXXX I paid them {$30000.00}. On XXXX ownership of my loan was transferred to XXXX XXXX XXXX XXXX, XXXX, d/b/a XXXX XXXX, not in its individual capacity but solely in its capacity as Owner Trustee for WF 19 Grantor Trust. This was after I called Citifinancial questioning them about balance owed. The servicing of my loan was transferred to XXXX XXXX XXXX XXXX on XXXX. {$190.00} has been taken out of my checking account monthly thru bank draft by XXXX XXXX XXXX - without any written confirmation on my part. I NEVER gave them permission to take money out of my account. Isnt this illegal? 
In the first part of the year XXXX, I saw a bill from Citifinancial where it showed me how they applied the last payment and it didn't look right. So, I called Citifinancial and spoke to several different people over the next few months. They were supposed to be sending me in writing how they had processed all my payments. I wanted them to explain to me several different situations. I want to know what the {$490.00} charged to misc. charges in different amounts dating from XXXX thru XXXX were for. I also want to know why the only amount applied to balance owed in XXXX was {$170.00} on XXXX. The next time anything was applied to balance owed was XXXX in the amount of XXXX, then XXXX on XXXX, then XXXX on XXXX. THEN nothing was applied until XXXX in the amount of XXXX. From XXXX to XXXX they applied a total amount of XXXX to balance owed. The last time I spoke with anyone I was told that my account had been SOLD to XXXX XXXX XXXX. I dont know where or to whom to turn to for help on this matter. XXXX XXXX XXXX bought a {$15000.00} loan that should have only been around {$3000.00}. On different occasions when I was unable to make a regular payment or the full amount due, Citifinancial would offer me deferments. I really did not understand what this meant, only that I did not have to pay it and they were not calling me and asking where my payment for the month was. I was told it would be added to the end balance of my loan. XXXX XXXX XXXX is now telling me that the 15 year Promissory Note is up and I need to send them the remaining balance in full. Which I can not because I do not have that kind of money.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I signed up for TransUnion a month ago to check my credit score. Once I was able to sign up, I ended up having a result that I don't have credit history which is actually true because I never signed up to any credit cards or whatsoever. Eventually, I decided that I will just cancel the account since there is no point of reviewing anything if I don't have a credit score. I signed up for their free trial services and eventually got multiple charges on my account. A month later, which is today ( XX/XX/19 ) I got charged for a monthly fee again. I called them and was finally able to speak to someone to cancel the account. I accidentally gave my SSN over the phone. I'm terrified now that I may be a victim of identity theft/fraud. The amounts that were taken were two charges of {$27.00} on XX/XX/19 and XX/XX/19.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.
Consumer complaint received 2019-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

A few months after closing my 2018 mortgage with Fifth Third Bank, the bank sent me a forced flood insurance policy and added the monthly premium to my escrow. The forced flood insurance policy is for {$3000.00}. A similar policy is less than {$250.00}. I received the first higher payment in XXXX 2018 and immediately contacted the bank. I explained to them that I live on a second floor condo and was not requiered to have flood insurance. This info was also in the closing docs and was never requested as manadatory by the bank for closing. Since XXXX the bank has been forwarded the flood zone docs for my property. A few weeks after sending the flood docs to the bank, they claim to have never received them. They were sent a second time. On XXXX XXXX, 2018 they sent me a letter cancelling the insurance. The letter shows a prorated amount, still charging me for XXXX months. I have made several attempts since XXXX for a refund and credit to my monthly escrow and have been unsuccessful. The bank is non-responsive and I have tried several times to visit a local branch. These visits have been unsuccessful as the bank claims they can not handle this issue from a local branch. There seems to be a general lack of care from the bank and a designed business practice to force flood insurance on their clients. This is placing me in a financial hardship and no end to a resolution.