davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a claim on XX/XX/XXXX - claim # XXXX regarding an unauthorized charge for the sum of {$250.00}, stating that this charges was among a series of fradulent charges from XXXX account that was successfully disputed but XXXX refused to address this particular transaction. I put forth the claim to Capital One from which this amount was withdrawn explaining the very odd circumstances that XXXX ( the merchant in this case ) refused to address so I had to dispute it through my bank. To my utmost disappointment ( but not so surprised ) on XX/XX/XXXX, Capital One responded in an email that the claim has been denied and that they agree with the merchant that the fradulent transaction is valid and that they will send me the documents supporting their decision. I have waited for over XXXX weeks for the so-called document but have received nothing. The reason I said I was so disappointed but not surprised is because Capital One continues to show its incompetence to represent its customer in cases of fradulent charges. Most of the claims I have put to Capital One has never been resolved favorably because they are always quick to jump to conclusions without investigating the case and has the habit of siding with the merchant instead of protecting their customer. It is a shame that Capital One has a team of representatives that are so incompetent and don't know what they are supposed to do. This is a simple case of fraudulent transaction, and if they had only investigated it would have been a simple resolution to have my {$250.00} refunded but as usual they failed to do their job.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I started a loan modification ( FHA HAMP ) with Bank of America, this lasted 5 years and more than 15 different loan modification papers sent to my house for me to sign and notarized. My original loan amount was {$220000.00} at 5.25 %, when the original set of document were signed my balance was {$210000.00} under the modification {$48000.00} was put in a Subordinate Note. the interest stayed the same and my loan was extended back to 361 term ( it was at 331 ). Present day, I am trying to do a refi cash out to make improvements to my townhome, during the process we have found that BOA said I had 2 loan mods, which shows as liens on my property one for XXXX and one for XXXX they also stayed that I was late in my paper work ( at the time I did not noticed that in the 15 different packages the sent me ), I never missed a payment or was late at any time with them. 
the fact that it took them 5 years to do a loan modification, now in XX/XX/XXXX my loan is jumping back to {$200000.00} ( with the {$48000.00} added back to the loan, present balance with XXXX is {$150000.00} ) which also means that in 10 years I have only paid XXXX off this loan makes me feel like I was taken for a ride by BOA. I would like a certified letter that shows the {$51000.00} lien/debt gone and any explanation of what happened and why my loan $ is still so high. 
I have requested a timeline copy of all my payments made to BOA. 
thank you in advance, XXXX
Consumer complaint received 2022-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I took out a loan for {$1500.00} on XX/XX/21. I have been paying the he loan consistently since XXXX. To date, I have paid roughly {$2200.00} to this company and still have a balance of {$1500.00}. I can not afford to make these exorbitant payments. Thats more than I took out in the first place. I would like to revoke ACH authorization on my account and to have this account closed. I am willing to settle on a discounted rate to have this debt removed. I also ask that all future communication be sent via email and no phone calls should be made to myself or my employer.
Consumer complaint received 2018-02-13
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: DISCOVER BANK (NY)

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Consumer complaint received 2021-07-05
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)

Company reports a Chapter XXXX Bankruptcy that the XXXX XXXX County Bankruptcy Court has said they did not verify. Company is taking incorrect but publicly available information and reporting it which has hurt my credit and ability to borrow. I disputed on XXXX, XX/XX/31, and XXXX. Complaint claims to investigate replies when the court and offices are closed. This is a violation of my rights under Fair Credit Reporting Act. Company refuses phone calls from me. Company will not escalate to a legal review internally.
Consumer complaint received 2022-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In a recent complaint I filled in regard to 3 XXXX and XXXX XXXX accounts on my credit report XXXX and EXPERIAN verified the debt was accurate XXXX in turn could not verify the debt and it was removed the process took over 44 days for me to be informed that they verified the debt 14 days longer then required in other instances I have also asked the creditor and the bureaus to show me the signed original contract with my signature agreeing to the debt in which I have not received any paperwork on I feel like 2 or the 3 bureaus haven't really tried to resolve this problem as the only response I get is verified as accurate even when I can't get the information I have asked for on many occasions
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NV)

It is not my debt. It was addressed to the same name but the wrong middle initial and the wrong address I was sent numerous letters. Upon receipt of each I called the company and denied debt and pointed out the errors. They promised to do so but have persisted in collection efforts On the last call I additionally pointed out that the debt according to the information in their letter was incurred in 2014 and was now past the Nevada Statue of Limitations. 
I believe that these repeated efforts to collect a disclaimed debt are an attempt to browbeat me into paying " go away '' money
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX my attorney submitted an RFI on my behalf ( Exhibit A ) which there was NO response and on XX/XX/XXXX I submitted another RFI whereby responses have been inconsistent with the RFI and I STRONGLY believe there's fabrication and Data manipulation of documents and information. I have seen several inconsistencies which lead me to believe there's Misrepresentation, Collusion, abusive, unfair & deceptive practices and Fraud. Consequently, I requested the " Servicing File '' and sent the parties a " Preservation Hold and Data Preservation Notice '' but didn't receive a response. It seems they all want to point the finger at each other. Some of the chain of events are as follows : 1-From XX/XX/XXXX to XX/XX/XXXX I made payments which were " held '' in an interest bearing account instead of properly applying the payments towards my account 2-For the years of XXXX, XXXX and XXXX NO 1099 was issued 3-My Bank says they deposited my payments into several bank accounts through the years 4-There 's a host of other violations but would need the " Servicing File '' to investigate the Fraud and make an Official Complaint of " all '' their violations. 

All of the Actors and Suspects I sent my Request for Information to are : XXXX XXXX, XXXX Attorneys in Fact- XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seterus Inc .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX fax XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX c/o Chair, XXXX XXXX XXXX XXXX XXXX XXXX  Mail Drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Att : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX TN XXXX XXXX XXXX XXXX Att : Audit CommitteeXXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Nationstar Mortgage, LLC d/b/a Mr. Cooper Att : Management c/o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Housing Finance Agency XXXX XXXX XXXX XXXX Washington, D.C. XXXX
Consumer complaint received 2018-02-16
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. (MS)

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Equifax & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Consumer complaint received 2018-02-16
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. (PA)

In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, Trans union, XXXX  and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Consumer complaint received 2020-06-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Over the past year, the collection company Rash Curtis & Associates, XXXX XXXX XXXX, XXXX, CA XXXX has called our family multiple times each week on our cell numbers, looking for someone else. On Friday XX/XX/2018 at XXXX XXXX, they spoke to my spouse who explained that there is no one by that name at our address or at our cell or home numbers. We then asked them to cease calling us. After handing up the phone, their representative immediately dialed my cell number and I repeated our demand to stop harassing us and informed the collector their company was in violation of federal and state laws.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2018 - Wells Fargo charged my credit card for an upfront appraisal fee, my rate/term refinance did not require an appraisal ( XXXX underwriting allowed a " rapid value '' in this case ), and they did not refund the fee. The fee should have never been charged. 

XX/XX/2018 - I requested the $ XXXX allowable cash out for a " limited cash out rate/term '' refinance, Wells Fargo refused. 

XX/XX/2018 - I asked to speak with a manager and was refused.
Consumer complaint received 2022-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

Traded truck in XX/XX/2020, but it took dealer 2 months to payoff, got one month removed/fixed but not both
Consumer complaint received 2019-08-28
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: CITIBANK, N.A. (WA)

I get my FICO credit score as a monthly benefit of my Costco/Citi VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to Citibank have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from Citibank. I've asked to speak to supervisors, but none will do that. Several have told me to contact XXXX, which I have done. XXXX tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to Citibank, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

After speaking to credit bureaus I was told Navy Federal Credit Union report my payment of XX/XX/XXXX, for the month of XX/XX/XXXX late after speaking to a Navy Federal rep. She assured me that Navy Federal will correct the two lates and it have yet to be done.
Consumer complaint received 2021-11-30
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. (AR)

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2018-07-27
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. (NY)

I located a potentially fraudulent revolving account on my Experian credit report and I have no idea what it is. 

ACCOUNT DETAILS Account Name XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Balance {$5300.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$100.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hilco Receivables LLC (MD)

I like many other service members have been taking advantage of by XXXX XXXX. When I initially signed up with this company I was told I had a warranty on any of the products that I purchased with them as long as my account was current and I have a balance. When I tried to use that warranty it is not being honored I have always made my payments on time and fillies my end of the contract but they havent
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2020-06-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.