davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (MI)

on XX/XX/XXXXI filed a dispute with Experian. The dispute was for an account that I believed to be a duplicate. it ended up being my mistake as it was not a duplicate. However, once the agency settled the dispute, Experian marked my report for this account as being a charge off for XX/XX/XXXX. This is incorrect as this account was charged off 4 years ago and bought by another lender. this " new '' charge off status caused my score to drop. I have since disputed it 2 more times with the most recent beingXX/XX/XXXX. Today I received a notice that the dispute was settled, no changes made to report and my score dropped another 5 points as a result of the dispute. They are saying they are only reporting what the Creditor is telling them, however, when contacted, the creditor shows the account was charged off and sold a long time ago. 
the creditor is XXXX XXXX XXXX XXXX We just need them to remove the Charge off status for XX/XX/XXXX as it is incorrect. We are currently trying to buy a home and working very hard to clean up the credit report and this is only making things worse. I believe that because I filed a dispute on this account it " reopened '' the account. 
Thank you for your time. 
XXXX XXXX XXXX DOB:XX/XX/XXXX ss:XXXX  Contact # XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.
Consumer complaint received 2020-01-24
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. (GA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DE)

Saturday,  XXXX   XXXX ,   XXXX   my husband and I went to the  PNC  Bank in  XXXX   XXXX  in  XXXX , DE at abou  XXXX   XXXX   XXXX  . My husband went in side because I just worked a double at   XXXX   XXXX   restaurant. We were depositing the money from that night. He went up to the right atm to do atm cash deposit. The cash insert opened it took the the money {$120.00}  (   XXXX   XXXX   ) in  the machine took my money then it said " your transaction ca n't be processed at this time ''. It spit the card out and ended the transaction. There was no one available to help me after hour so I was out of money for  XXXX  weekend.   I went to the bank today and asked for th e Branch Manager . The teller told me there was n o manager in toda y. She directed me to a associate that told me I could n't get a credit of my money today and I have to wait up to 10 days to dispute. I am furious and very inconvenienced.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: First Technology Federal Credit Union (CA)

See CFPB case number XXXX. 
The case was prematurely closed. 
The issue remains unresolved. 
First Tech Federal Credit Union forced agreement with broad terms that I did not agree with however I was locked out of all my accounts without clicking " agree ''.

First Tech reported they called me to assure me the scope of the written terms would not go into full effect. I accepted that was the best the rep could do pending their own internal review.

Their response to CFPB was " we'll look at it and let you know ''. How can that response be taken as resolving the complaint.

In order to supersede written terms to reduce the overly broad scope they must do so in writing. Have they sent out an amendment?

Did First Tech provide a preliminary draft of an amendment?

Or has First Tech stated that the manner in which they forced the agreement, and the overly broad scope of the terms is legally acceptable?

They have not resolved the issue and only offered a promise to resolve it in the future. That can not be confused with actually resolving the complaint.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TFS FINANCIAL CORPORATION (OH)

I want to report an incorrect transaction done at the local branch o f Third Federal on      XX/XX/XXXX . My I R A  CD  has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said  and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld.   <P/> Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR  S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
<P/>
In the past, I 've done a few rollovers, and never a problem up until now.
<P/>
I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
<P/>
Thank you.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC premier checking account because the bank had a promotion offering {$750.00} if I made {$5000.00} in direct deposits for 3 months. I satisfied the requirement but have not received the bonus. I called on XX/XX/2020 and was told I would receive a call back by XX/XX/XXXX but never did. It's unfair for banks to lure consumers with attractive promotions and then fail to deliver on their promise.
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (OH)

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and XXXXoan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (VA)

During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bill were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card company.I have also put myself on auto pay with each credit card company.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I consolidated my students loans with XXXX XXXX. 
These are the loans that were consolidated. 
XXXX XX/XX/XXXX XXXX  {$17000.00} XXXX XX/XX/XXXX XXXX  {$6600.00} XXXX XX/XX/XXXX XXXX  {$11000.00} XXXX XX/XX/XXXX XXXX  {$3000.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX  {$500.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX {$12000.00} Experian continues to show that these above loans are open as well as the new consolidated loan for {$150000.00}. 

XXXX provided me the documentation to prove that they are only reporting the {$150000.00} and that the other accounts were closed. 

I am asking that Experian reports the information accurately.
Consumer complaint received 2020-01-24
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. (OH)

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AL)

While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to me.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hi, Starting in XX/XX/XXXX I established a monthly membership with XXXX XXXX XXXX for XXXX a month. I had this membership for 6 months ending XX/XX/XXXX. Since the start of the membership, I called the XXXX XXXX XXXX on multiple occasions to schedule a home service. Every time I have scheduled an appointment they failed to show up for repair. I had scheduled repairs at least on 8 different occasions during XXXX, XXXX & XXXX. Since I was not able to schedule time for the repair I have called to cancel my contract and called CapitalOne to refund my monthly dues of XXXX for 6 months. 

Capital one refunded my account for all of the months, but came back and charged my account for 4 months. As a result, I was refunded for only 2 months. I am disputing the 4 months and requesting that I get refunded fully for it. When I called CapitalOne they refused to share any documentation explaining why I am being charged for 4 months out of six. By refunding 2 months out of the 6 months XXXX has admitted that they have failed to provide the contractual agreement and I should get refunded for all of the months. 

Here are the transaction dates as they appear in my statement. 
XXXX XXXX XXXX XXXX Date Post Date Amount XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00}
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (WI)

Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.
Consumer complaint received 2024-02-16
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX Equifax Mortgage Service XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Consumer complaint received 2019-03-02
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. (MO)

It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that Equifax and XXXX credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX  XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (LA)

i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.  XXXX   stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CFW Holdings LLC (TX)

Cash for whatever rep : XXXX called my work to request payment. I advise him I am not allowed to receive calls at work. For the company to contact me only through written form. This was on XX/XX/XXXX. Since then they have contacted my personal phone every day and they keep calling my work several times now. They just contacted me today XX/XX/XXXX to my work. Rep. XXXX called to request payment. I advised them I'm aware of the debt and will pay it as soon as I can. And still they keep on calling.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On XX/XX/2022 I was scammed through Zelle through my bank account XXXX XXXX XXXX. They took {$800.00} from my account, I called XXXX that same day and reported what was going. The next day a representative from Zelle called me for more information on what happened. The representative on the phone told me they would be doing an investigation and that I should hear back via mail in 7-10 business days. It is now XX/XX/2022 and I haven't heard anything.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

Tracking # XXXX  XXXX XXXX XXXX Loan # XXXX  I suffered roof damage and received a $ XXXX roof check. I was mistakenly under the impression that I could bring the check to a XXXX XXXX XXXX   Branch with all my documentation and have the check endorsed to me. That is not the case, they have made this process incredibly difficult and after two weeks of submitting document after document they still haven't sent me the check. If the check was under a designated amount the consumer can walk in with the insurance information and get the check endorsed. But because of the amount they have done everything possible to make the process extremely difficult. I am required to submit 5 documents : -Insurance adjustors worksheet -Signed Bid from contractor -Conditional waiver of lien -XXXX  from contractor -mail the endorsed check to the Bank I completed all these steps and followed the exact instructions on their website and they continue to find a new item on everything I submit that is missing. I submitted the signed contract -- it was missing the amount of the job even though I was told to turn in the signed contractors bid -- that had that amount. I resubmitted with the amount then was told the contract is missing is the contractors address -- even though its his contract. I was then told to handwrite the contractors address on the contract or my other choice was for me to sign the contractors bid. This entire process lacks direction and is designed so that the consumer has to spend hours on getting one piece of information at a time. I would expect more pushback from the insurance company versus the mortgage company. I also included an overnight envelope to return the check to me which has disappeared. But all this assumes I will eventually get my check. They have provided a website : insuranceclaimcheck.com to receive documents and I have a record of everything I have sent. Two weeks, 4 lengthy phone calls and 12 documents later I still have no check and no roof. I have no delinquency issues I have never been late on my mortgage. This process is ridiculous and has me searching for a new mortgage company so I do not have to deal with this Bank anymore. Even after all the paperwork is approved I am told it will be 5 business days for them to cut me a new check that will then be placed in regular mail.