davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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. (GA)

I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have been an account holder for the account CitiBank closed for many years. I am a diligent user of consumer debt and I have not used the account for over 2 years. Citibank, without notice or opportunity address the usage of the account, closed the account in XX/XX/2018. I had a high credit limit and the closure of the account negatively effects my credit score as I am attempting to purchase a home and any reduction of my score could effect the mortgage offer rate and will potentially cost me thousands of dollars over time. they offered to reinstate my account but would have to run a new full credit report which will also negatively affect my score and have the same negative impact. I find entirely adverse to a customer relationship for the vendor to close an account without any notice at all ; they could have simply sent an email or a letter. As we know the vendor is obligated to send a yearly letter on their privacy policy, how is it that they can not simply advise the customer of the pending account closure and to suggest action if the customer does not wish for it to happen. the vendor states that in their terms and conditions it states that they can close the account at anytime for any reason but I initiated this account many years ago and well before the creation of the CFPB. what customer, if any keeps their original terms & conditions to reference an arbitrary condition? I believe if a creditor is going to make and adverse closure to an account, they must inform the customer prior to the closure. I would like to see a resolution and/or for creditors to be expressly advised about making a prior notice prior to closure. Thank you for all that your department does on a daily basis.
Consumer complaint received 2022-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I received a letter from Mohela dated XX/XX/2022 indicating that my student loan was not forgiven based on three factors. Those factors were false. I worked for over 11 years in a public school system and Im currently working there. My employer completed the PSLF form indicating that I still work there. Yet the letter from Mohela said that it had an end date which was incorrect. The letter said I didnt indicate I worked full time nor did I show I work at least XXXX hours. The letter from my employer showed that I worked XXXX hours and that Im full time.
Consumer complaint received 2022-04-08
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. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-07-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 2021-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one asked me to verify my deposit now they are asking for more documents than my loan originator asked for this is unfair and invasive and a witch hunt that was triggered by a call from an ex girlfriend to them and she even told me they discussed specific information about my account with her which is against the rules. I intend to seek legal representation. I will gladly provide the cfpb with documentation verifying the deposit belongs to me. I will also provide a statement showing the disbursements with the last 4 of my capital one account showing. The Sba even approved my loan forgiveness application sba  # XXXX  and sba # XXXX ( screenshots below with loan numbers and my email address ) so therefore capital one is unlawfully holding my funds. I contacted the i team as well. Furthermore my account reflects legitimate use for ppp funds which is rent for a part of my business- not that I have to explain that to my bank because it has already been explained to lender and sba and approveed which is reflected below in attachment.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

OnXX/XX/2021, Chase bank has restricted access to my money in the business account a week after opening the account. No reasons have been given, no official communication have been sent, no customer service attended my calls, the branch employees were not able to assist, my several complaints have been ignored. I would like to regain access to my money in the account. The bank behavior towards me is not acceptable, the banks should not have the right to accept opening account then restrict it without providing reasons. My account is now been restricted for more than 45 days and cant find a way to understand why or to be able to speak to anyone.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Due to late payment I have been advised that I do not qualify for automatic payments. Consequently I now have to log in every month to make a payment otherwise incur a fee by doing so over the phone. I can not once online schedule a payment any further than a month out. If, for example I need to reset password, then links sent do not work and I have to make a call to get it resolved. 
SPS is a terrible company. I have only been dealing with them for a few months since transfer, not at my request or wish from XXXX XXXX, to them. 
It seems to me their priority is to make life difficult for borrowers and encourage practices that make it difficult, not easy, to make payment and therefore instigate late fees, penalties etc. 
As a consumer I think it is a disgrace that mortgages can be transferred without notice and create hassle for the borrower. This should be a seemless process. I am very angry and frustrated that companies behave this way and the fact that the government does not have the will to alter their behaviour.
Consumer complaint received 2018-03-03
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. (CA)

I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.
Consumer complaint received 2021-06-25
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. (NJ)

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

A hard pull of my personal credit information was pulled by Synchrony Financial WITHOUT AUTHORIZATION. I was NOT the personal guarantor. Nor was my SSN provided to them to check my personal credit. This was not permitted by law. File XXXX ( 20.5 KB ) was closed with them claiming they couldn't find the information, but here is the attached letter I received from them for this unauthorized HARD PULL.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (UT)

Midwest fidelity XXXX has beeneaving messages about aoan they claim I took out in 2015 for {$1500.00} they can be reached at accounts @ midwestfidelity. I contacted them and I asked for information. They provided me a address phone number and the last four of my social security. The address and phone number were not mine however the last 4 of my SS was. They told me to contact this site and file a complaint. I have never applied for a loan at XXXX XXXXXXXX, no XXXX XXXX XXXX in my life. Please help.
Consumer complaint received 2019-08-22
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. (MN)

I am a victim of identity theft and a victim of the XX/XX/XXXX XXXX data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the XXXX data breach in XX/XX/XXXX.
Consumer complaint received 2022-11-18
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: FREEDOM FINANCIAL NETWORK (CA)

I request that 4 companies XXXX Bank, XXXX XXXX XXXX XXXX XXXX and Freedom Plus not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
Consumer complaint received 2018-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CO)

Upon multiple attempts, including on XX/XX/18, to make a transfer from my HELOC with BBVA to my checking account with BBVA, my access to my HELOC was denied. Per the Home Equity Optimizer Account Agreement, I should be able to access by funds per telephone, however the customer service representatives are insistent that I need my XXXX card CVV number. This defeats the purpose of calling over the phone, since I do not have a XXXX with this account. The representatives explained to me that this was for regulations and security purposes. 1 ) There is no banking regulation that requires a CVV to transfer from my Heloc to checking account. 2 ) The representative already confirmed my identity by verifying account number, date of birth, credit limit, and last deposit amount, all in addition to calling through the mobile app that identified my account for them. 

My HELOC and my checking account have the same signers, only myself, so the risk of fraud is minimal, especially after verifying me several ways. 

I asked to file a formal complaint and was told that there was nobody that I could escalate this to, including a manager or supervisor. The representative told me they would send an email to their manager, but when I asked for a follow up from a supervisor, they told me they could not guarantee that. In other words, my request/complaint would be ignored. 

Ultimately my access to my consumer line of credit is being restricted and I am unable to use the line of credit per the line of credit agreement.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
Consumer complaint received 2022-05-02
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: TD BANK US HOLDING COMPANY (FL)

Your boxes do not fit my situation. 

Around XXXX I opened a Target Red Card Mastercard. My daughter was in college so I got her a 2nd card to use for 2 years. Then we went through much trouble, but I was finally able to get her OFF my account, closed her 2nd card in around XXXX or XXXX. Today, my daughter told me that there is still an account in my daughter 's maiden name on her credit report ( impacting her credit ). She'll deal with that. 
Meantime, she called Target Red Mastercard- over the PHONE, she was given my current balance, personal information, upcoming transactions, etc. She's not even on my account! I see this a a breach in confidentiality and this has impacted me very negatively. I immediately canceled that credit card.
Consumer complaint received 2018-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

hello, I have been working with Navient on a lower payment plan. This is now my second time dealing with this same issue which was actually handled by CFPB last year. I spoke with a woman named XXXX at XXXX ( ext : XXXX ) on XX/XX/18 and we discussed numerous financial struggles I am currently facing. They had me set up on a rate reduction plan originally for $ XXXX/month which with debt/income ratio, it was putting me negative every month. At the time, the IRS depleted my bank account, my finance left me, and my co-signer passed away. On top of all of that, my parents went homeless. She was able to set up a lower plan. I have three loans : loan # XXXX, XXXX, XXXX. For # XXXX, we set up a forbearance ( {$50.00} ) until the end of XX/XX/XXXX ( confirmation # XXXX ) and for loan # XXXX & # XXXX, she set up a monthly payment for {$220.00} ( XX/XX/XXXX-XX/XX/XXXX) with a payment of {$78.00} what would be deducted for the month of XXXX XXXX. ( confirmation # XXXX ). This was a plan that I could work with. As of today, I received a phone call stating that said my program was not set up right, there was an error, it was not done right .... and I had no option but to pay another {$100.00} a month. A supervisor ( XXXX ) I believe her name was XXXX or close to that ( we spoke at XXXX ) said that XXXX set up the program wrong and that there was nothing else they could do. She quoted, " oh, XXXX did not set this up right ''. If a company makes a mistake, isn't it on them to try to make the customer comfortable not try and blame the problem on the customer?? Ironically, when asked to speak with XXXX, I was told " she no longer works for this dept ''. I am getting frustrated because every time I set up a rate reduction plan with this company something happens on their end and some how it's on me to come up with the difference. I need help because I can't afford to go negative again or destroy my credit because of ONE more mistake that they made on their end. I just don't understand why I have to pay more for a mistake that way made on their end. I don't feel valued with this company and I feel like they don't respect or care about their customers. Please help me.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc. (WI)

Called on XXXX to resolve a debt and I was connect with XXXX. XXXX was very aggressive, rude and disrespectful. I tried to ask a question about a settlement and she kept interrupting me and would not let me finish the question. 

I asked her not to be rude by interrupting me and she advised that she was trying to answer my question. I responded how would you know my question if I wasnt allow to finish it. She continue to talk over me and tried to end the call. I asked to speak with a supervisor. She transfer me to a voicemail. I called back 2x and got XXXX and she transferred me to a voicemail. I have not received a call back and would like to file a complaint.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for American Express : >Account ( s ) not paid as agreed.

>Delinquency date too recent or unknown. 
>Amount owed on delinquent accounts. 
>Length of time accounts have been established. 

The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, American Express has engaged in adverse action by unlawfully denying me access to a line of credit.

A letter detailing these violations has been mailed to American Express Underwriter on XX/XX/2023 to correct these errors.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX opened : XX/XX/XXXX
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

I have had a Sears Mastercard since XX/XX/XXXX. Back in XX/XX/XXXX or XX/XX/XXXX of this year, I added my boyfriend on my account as an authorized user. Prior to doing so, I called customer service to verify how the process works because I did not want to tie my boyfriend to my address because he does not live there. I was advised the card would be in his name but would be sent with my name on the envelope and because they don't take any other personal information besides the name, it wouldn't affect his credit reports or attach him to my address. Yesterday, I received a pre-approval letter in the mail from XXXX XXXX with my boyfriend 's name on it. I immediately contacted Sears customer service about their privacy policy as it states they do not sell your information and spoke with an account manager.  She told me to prove it was then and hung up on me. I DID NOT AUTHORIZE for Sears to sell my information used to conduct business with Citibank to another credit card company they're not affiliated with. This is a strict violation of their privacy policy. Sears is the ONLY company ever to associate my boyfriend 's name with my address. He has not been added to any other credit card, all the utilities are in my name at my house so there is no other way to tie him to me besides adding him as an authorized user on my card.