davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OK)

I tried relentlessly to close my savings account with Citibank for 5 months. They were supposed to close the account and send my account balance via mailed check. I ended up having to hire an attorney to fight on my behalf to get my OWN money back from them. After 11 months of fighting for my money, my attorney was able to get my money from them. Now I'm stuck with {$300.00} in attorney fees because Citibank refuses to pay my attorney. I never should have had to hire an attorney in the first place to get my own money back, and then to have to pay {$300.00} out of the money I finally received is so immoral on Citibank 's end. Please someone help me hold Citibank accountable for basically stealing {$300.00} from me.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (CO)

On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.
Consumer complaint received 2015-07-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2022-09-04
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. (MD)

XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.
Consumer complaint received 2022-09-04
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. (GA)

Experian consumer reporting agency is reporting Inquires on my consumer report that I did not Authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FICO- XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I cant open a bank account no where because Bank Of America have that I owe them {$5600.00} and that I did fraud with them on my consumer report this is false Ive tried to dispute and tell them that I had nothing to do with that and I want it off my record.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (NY)

Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was chase freedom and capitol one XXXX agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WV)

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors.
Consumer complaint received 2020-09-10
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: U.S. BANCORP (WI)

I recently pulled a copy of my credit report and found that XXXX  is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, Elan Financial Services had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from my credit report.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc. (CA)

I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. 

However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.
Consumer complaint received 2023-03-22
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. (IL)

My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted immediately
Consumer complaint received 2019-02-22
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. (MA)

I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. In their stall tactic, dated XX/XX/2019, they stated they will not reinvestigate my dispute. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. Previously, they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted. THIS IS MY FINAL COMPLAINT VIA THE CFPB BEFORE PROCEEDING WITH FURTHER ACTION SHOULD EXPERIAN CONTINUE TO IGNORE AND/OR OVERLOOK MY REQUESTS AND CONTINUE TO BE UNABLE AND/OR UNWILLING TO COMPLY WITH FEDERAL LAW!
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline. 

Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone. 

I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX. 
Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed. 
Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed. 

Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request. 
I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.
Consumer complaint received 2020-11-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-06-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CO)

In XX/XX/XXXX I ran a credit report for myself and noticed a collection from Midwest Recovery System ; collecting {$650.00} for XXXX XXXX XXXX. I took a payday loan from XXXX XXXX XXXX in XX/XX/XXXX, and paid in full on XX/XX/XXXX. I have had this account pop on and off of my credit report for the past few years ; and in trying to contact Midwest Recovery System I have received XXXX  replies from email correspondence and been hung up on when contacting via phone.
Consumer complaint received 2016-12-14
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". 

The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (PA)

I filled out a credit application for my business for a vehicle through XXXX. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have XXXX  pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from XXXX  so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankrup tcies ( below ) on my credit report due to Civil Case No.   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  I di d not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has  violated  the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Consumer complaint received 2020-09-10
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. (WI)

I recently pulled a copy of my credit report and found that Experian is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, XXXX XXXX XXXX had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from my credit report.
Consumer complaint received 2015-05-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

1. I bought a house on XX/XX/XXXX. According to the contract PMI willa utomatically terminated when the principle balance reach 78 % of the original value of house. I did reach this goal on XXXX/XXXX/2014. But my mortgage company -Ocwen servicing agency refused to cancel My PMI.Imadephone/email/fax request to cancel it. Now my principle balance is 73 % .But still they charge me with PMI. 
2. ocwen also refused to release money to my insurance company on time and my house was uninsured for one month. 
3, They also increase my escrow without giving any explanation. Frustrated with all this I did request to cancel my escrow account. But they refuse to do so.