davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a FHA streamline refinance with Amerisave mortgage on XX/XX/2021. The rate and terms seemed good. They charged an upfront {$500.00} fee. 47 days into the process allot has come to light. 47 days for a streamline refi??? Another lender informed me that FHA does not allow for a refi until 3 consecutive payments have been made on a mortgage coming out of forbearance like mine had. I had completed a forbearance with current mortgage company in XXXX. No Payments were do in XXXX or XXXX That means when I applied with Amerisave I had only made one payment. Yet they still took the {$500.00}. All this was disclosed at the time of application. All this was disclosed during the process at different stages. Add in that I was switched to a new loan agent without even a notice. I only found out from an automated email asking to call if I wanted a mortgage. Loan processor indicated there was a debt to income problem for this FHA streamline refi. Even though income is not verified or considered. Original loan estimate said that about XXXX was needed to close. Today I was asked to verify XXXX in checking account. For what reason I have yet to know but I am assuming it is for closing. This has been an utter disaster. I am not sure if the loan agent was poorly trained or they take peoples {$500.00} no matter the case and then string them along till they go away. I have requested a refund. No answer as of yet
Consumer complaint received 2021-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (WI)

I have contacted this creditor multiple times I have filed numerous disputes against this bill the company gave me an unclear explanation. That is not a verifiable reason to keep this collection on my account I am a consumer I have not been instructed by the DOE anything and I have asked for proof of this information being reported to my credit report I have the right to request original contract and documentation from this company and they must produce it I shouldnt have to be penalized or put on hold because the department of education isnt giving them any documentation they have to produce original agreement and verify this debt no matter what if I request that is my right as a consumer in other words they are basically saying we dont have any information on this bill therefore should not be verifying this debt at all. Not only that but they have multiple accounts showing on my credit for the same bill the law is they cant have multiple accounts for the same bill reporting to my credit so I am getting twice the negative remarks that I dont even deserve in the first place this is not right or constitutional. How can u respond we arent allowed to release information about a collection and then still verify the bill. Thats a due process concern and its total violation of my right I have the right to request any documentation needed to verify this collection thats reporting in my name if you arent allowed to release information then its not verifiable. You cant strip me of my rights to dispute this bill just because some other agency told you not to release information my rights as a consumer dont stop because you cant present the necessary documentation to validate this bill I am going to seek legal action and compensation for this unconditional act from the osla XXXX and the credit bureaus who are lying about this bill being verified how can you possibly verify information that your saying you cant release and how do I even owe some company In Oklahoma and I never been to Oklahoma a day in my life it makes no sense what so ever this is wrong and shady practices to con people and you stripping me of my right to have 100 % verified information reporting to my credit report
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I have a credit card thru Citibank on XXXX XXXX I agreed to a payment plan of {$57.00} to be automatically drawn from my checking. I have had the auto payments taken out but still received numerous collection and emails I was past due. After calling 3 months in a row they said yes I am on a payment plan and they would have to escalate this and get my account fixed I wouldnt owe any of the interest or Late fee charges. They still have not fixed this. It has been reported each month to the credit bureau that I am late and missed payments which then resulted in my credit scroe dropping 21 points each month and just continues. This is absolutely disgusting how it takes this many phone calls and months for them still to get my account correct.
Consumer complaint received 2021-08-18
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. (CO)

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I do not recall giving Radius Global Solutions permission to access my medical information which they have provided in my last complaint. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Consumer complaint received 2017-05-25
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 have disputed the tax lien on my file 3 times asking for verification and validation. the  1st  dispute Equifax told me to contact the courthouse for verification. I contacted the court house and they sent me a latter stating that they do n't report to the credit bureau, after sending the letter back to Equifax and   XXXX   showing the court house response and redisputing the lien their next response was for me to contact the IRS, which responded the information is inaccurate and they do n't report to the credit bureau as well. I redisputed it again which now Equifax is saying they recieved the information from  XXXX   XXXX . I explained to them that I feel as though i 'm getting the run around and how they are reporting unverifiable information and has not sent me any type of verification which i have been asking for since the first dispute.  XXXX   XXXX  never responded to my last dispute at all.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bonneville Billing and Collections (WA)

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at Bonneville collections  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-06-01
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with Citibank. ( Our account number is XXXX. ) In XX/XX/XXXX, Citibank began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX, prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my dispute was denied by Citibank because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX, I submitted a new dispute, directly with Citibank for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from Citibank dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Consumer complaint received 2023-03-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-26
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. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2020-10-26
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. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (CA)

Ria financial Continental  Exchange Solutions , Inc. dba Ria Financial XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX : XXXX ( XXXX ) XXXX I have been a customer of this company for more than 3 years. Suddenly and without explanation, my account was terminated. After spending hours on the phone trying to contact someone in customer service, the only response was that I am not allowed to use their service anymore and no other explanation. Looking online, I've seen many similar complaints about this company.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (CA)

I was out of work with no pay because of the pandemic and I decided to take advantage of zero percent interest rate balance transfer with three percent transfer fee checks received from my USBank credit card to be on time with all my mortgages and other payments. All the transfer was made to my account by XX/XX/2020 and I started my payments through my bill pay from my checking account on XX/XX/2020. Because a problem on my bill pay service, the credit card did not receive my second payment on XX/XX/2020. An agent called me to request a payment on XX/XX/2020 and a 2 month payment was made XXXX for XXXX and XX/XX/2020 ). On XX/XX/2020, I called USBank to discuss my options, because I knew I would loose my interest rate if I was late with my payment. The agent that I talked to said they could keep my zero per cent balance transfer interest because It was the first time I was late and everything was fine. I made sure that I would keep the low interest rate and he said he was sure about it ... I kept my regular payments that was scheduled through my pay bill from my checking account ... OnXX/XX/2020 I got a call from USBank saying that I was late with my payment again requesting a payment. I did not understand what was going on, because my payments were been sent by my bank every month. This time I found out that I lost my interest rate that went to around 30 percent a year. I took loans and found a way to pay all my balance. Today I decided to review my account and realized that when I made the call on XX/XX/XXXX, they did not keep the zero percent interest rate as the agent confirmed. I called USBank and asked the agent to review my account and explained all the situation. The agent found my call on XX/XX/2020 and said she could not find what was decided that day. I was transferred to a manager and she said she found my call on XX/XX/XXXX, but that there was nothing that they can do and I had to pay all those fees and interest charged. I paid a total of U {$2400.00} plus the interest that I had to pay taking loans from other credit cards to pay the full balance with USBank.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXXXXXX XXXX allowed a credit card for XXXX XXXX to go through in my name in the amount of {$830.00} back in XXXX of XXXX i already reported this issue in XXXX when I found this on my credit report im trying to take care of my credit report due to buying a house and can not due to this account being on there and I did not give the ok for this to go through i have never tried for this credit card nor did i approve for them to pull my credit to approve this amount.
Consumer complaint received 2020-10-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ascendium Education Group (KS)

I haven't applied for student loans since XXXX and I have no connection to ascendium or whatever but I keep disputing the 8 accounts on my credit file and the bureaus keep verifying them as accurate. I just ran my name to see if my private information was compromised by XXXX  in their XXXX security breach and apparently it was, yet XXXX  never informed me and I can't provide evidence to support my disputed information. I just don't see how im obligated unless to a judge
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I applied for an American Express XXXX XXXX XXXX ( XXXX ) credit card that was supposed to come with a XXXX XXXX point sign up bonus. I applied 6 months ago and met the terms for the sign up bonus about 5 months ago. I have still not received the points. I have called several times ; the last time I was told the points would be expedited to my account the next business day. A month later, I still do not have them. I have not been able to book planned vacations using the points on both the XXXX XXXX  XXXX and XXXX XXXX because they have not come through yet. American Express simply says they are aware of the issue but they can not give me a resolution date. Now I am turning to the CFPB for help.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MD)

CALLED IN TO COMPANY TO EXPLAIN THE DEBT WAS FALSE AND I WAS TRYING TO SUE THE COMPANY TO GET THE DOCUMENTS NEEDED TO CLEAR THE DEBT DEBT COLLECTOR SAID HE DIDINT BELIVE IT AND I HAD TO PAY THE DEBT ALSO PUT IN NOTES FOR OTHER EMPLOYEES TO SEE AND TOLD THEM TO NOT HELP WITH PAYMENT PLAN BECAUSE HE IS ON THE CONSUMER SIDE. 

CALLED TODAY TO START PAYMENT PLAN GOT HUNG UP ON SMART REMARKS AND WAS TOLD I WOULD NOT GET A RECEIPT FOR MY PAYMENT PLAN BECAUSE ITS A SMALL AMOUNT AND I SHOULD SPEND ALL MY TAX MONEY AND LIFE SAVINGS ON THE DEBT XXXX XXXX IS THE MANAGER AND VERY RUDE AND DISRESEPCTFUL