davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, XXXX XX/XX/XXXX my checking and saving account was closed without reasoning or a warning.I have never had any problems on my account which would result in my account closing. I spoke with a representative yesterday about my credit which was suppose to be applied to my account due to a claim XX/XX/XXXX and the representative told me they have XXXX business days, which is ok. My concern is that they normally apply credit the same day so I asked a XXXX why they are treating me differently for this particular claim.Today, XX/XX/XXXX they have closed my account without warning or notification. It was not until i attempted to use my debit card did i realize my account was closed. They told me the same unreasonable inhumane quote in a branch and corporate number that they have the right to close my account without warning or this was a business decision because you have the right does not mean you do so. I have never done anything to my account that i do not have the right to do. This company closed my account a day before they where required to initiate a credit for my claim which was a simple debit card claim. If there was anything wrong with a certain account why wasnt that certain account closed? They closed both my checking and saving account. The refused to give me my money at a branch stating i would receive a cashiers check. How am i suppose to eat and survive, with all of my money just taken and frozen? When will i receive my money? No information was provided to me. I am a XXXX XXXX XXXX hours away from home, for them to take my money with no explanation is very unethical. I have all of my money from other institutions pending deposit at Bank of America I will XXXX extreme hardship for months if this isnt handled. I will do whatever is needed to obtain a lawyer due the unfair practices used in closing the account if this situation can not be fixed.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

These categories on this website do not accurately contain a close match to the reason for my complaint. The reason for complaint is that XXXX  rarely increases my credit score, even when I had my credit utilization done to 2 %, and increased my credit limits. Yet when I use my credit cards, often my score goes down, even with slightest use of one of my cards. It simply does not seem as if my score ever goes up substantially. Not in a long time. This makes no sense to me. Ive complained in the past, to no avail, and only to receive a generic response from XXXX. Calling customer service has been fruitless and unhelpful. It would be great to know why XXXX  simply never raises my credit score, in light of all the hard work I put forth into cleaning up my credit. Even hard pulls on my credit report are supposed to have a lesser effect as time goes by. Doesnt seem like this is the case though imo. What does it take to see my credit score finally rise up more then 1 or 2 points once in a blue moon? Hoping this issue can be addressed and that the generic response saying its an or mathematical formula can be better explained and looked into. Thank you.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (UT)

1. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, XXXX XXXX AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

I recently requested a copy of my credit report and noticed someone open an account with XXXX XXXX I never went in to the stores never handed a XXXX employee my id and never had an account open I've been with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( XXXX  XXXX ) based on my Equifax report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an Equifax reporting error or a XXXX XXXX reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Balance : - XXXXXXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

I opened an account with Coinbase about a year ago. I went to buy some additional crypto currency which was very difficult and then they locked my account. I simply want to cash out with them and they will, not allow it. I noticed on the website " XXXX XXXX '' this is a VERY common complaint with them. All I want to do is cash out, access the cash I have with them which I am 100 % entitled to, but they will not allow me to do so!
Consumer complaint received 2023-04-01
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am submitting thi CFPB Complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this, I am now asking you for more information regarding these particular items in question. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

I had requested a refund for a charge that was wrong. Amex found in favor of the business even though I provided screenshots of what I was quoted and what I was charged. Anyways back to my complaint, I asked Amex to close my credit card because I would recoup the {$100.00} I was overcharged by cancelling the credit card because this summer I wouldnt be charged the annual fee. Today, I get an email from Amex stating I cant close my account until I pay them back XXXX. I never agreed to any of that.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I currently have a mortgage with XXXX XXXX XXXX PHH Bank ). Two months ago my monthly mortgage payment was decreased because I was overpaying towards the escrow. My account is set up with flex pay in where my mortgagee payments are withdrawn from my account twice a month. PHH bank for the last two month has been charging my mortgage twice. They have charged my account twice for the flex pay and in addition charged the full monthly payment on the XXXX of the month. This has caused me to pay over {$100.00} in overdraft fee 's in my personal checking account and to date I've made XXXX calls to PHH and no one has been able to resolve my issue. I've been dealing with this stress for the past two month with no resolution. 

Now when I call I get told by the escalation department that one of the supervisors has my case open and they will send her a message to call me back. She should be calling my within 24-48hrs. We are now at 72hrs and I still haven't received a call back. 

Currently, my mortgage account states that I have a late payment which is not the case. In addition, I've received emails and letters from PHH stating that my account is over due and that they will be charging me a late fee and in addition a return payment fee because one of the payments was returned. I've never paid my mortgage late and/or missed a payment. 

I went to XXXX XXXX in person to see if anyone can assist me and was informed that the mortgages are handled by PHH and there is nothing they can do for me. 

I don't understand on how technology is so advanced now a days it has taken 2 months to fix the auto deduction on my account and difficult for me to find someone that can help. Everyone I speak to blames the other person and passes the buck. 

These past two month has been extremely overwhelming and stressful in trying to get this issue resolved.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (MI)

Because of COVID, I spoke to Lincoln and they asked me to keep the vehicle due to COVID. 
I listened to what they said and kept the vehicle for an additional 2 months. 

They charged me for keeping the vehicle and didn't tell me that I owed them additional funds. Nothing was ever mailed or emailed to me to notify me of the extra charges. 

As of this morning, I paid the additional charges because I understand that I had the vehicle and I am fine paying these extra charges - however, due to these extra charges being owed without my knowledge, this hit my credit report with 30 day lates. 
Confirmation of payment is XXXX I am outraged. We are in a Pandemic and I listed to what Lincoln Financial told me to do and now my credit has taken a huge hit because of these lates that I wasn't aware of until today and it was a result of what Lincoln told me to do!
Consumer complaint received 2018-07-09
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)

Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.
Consumer complaint received 2023-07-25
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. (PA)

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( Bank )
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX   XXXX  Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX
Consumer complaint received 2019-05-29
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. (CA)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX submitting my third CFPB complaint today to request to the Credit Reporting Agencies for them to remove the disputed fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to the theft of my identity. I sent a letter addressed to the Credit Bureaus requesting that they remove the fraudulent accounts and information from my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent accounts and information from my Credit File : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Reporting Agencies claim that the disputed accounts and information belong to me, I need the Credit Bureaus to please provide me copies of proof of verification or any documents bearing my signature. Failure to provide so must result in the immediate deletion of the items in dispute.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX*Date Opened : XX/XX/2015 Balance : {$36000.00}
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

My Direct Student loan was aquired by Navient. I have been paying Navient faithfully twice a month. I have been unable to receive a statement from Navient, my interest rate has increased inexplicably from 5.62 to 6.5 % in the last three months, and I have been turned down twice for loan forgiveness ( I am in my 17th year as a XXXX XXXX XXXX. ) My balanced has increased in the last 3 months despite me making 6 payments. A rep from Navient told me that my loans COULD be forgiven in 10 years if I pay them {$690.00}. I would then be done with Navient and I would pay Direct Loans {$150.00} for 10 years. After that the remaining balance would be forgiven. A different Navient rep an hour later gave me a different scenario. And 3 months ago, a Navient rep said that I didn't qualify. 

I need a more they statement from Navient tracking my payments, stating my interest rate and keeping a running balance. Can you help?
Consumer complaint received 2024-02-21
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. (NY)

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