davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

LexisNexis Risk solutions reporting incorrect information they are stating on my report that on  XXXX   XXXX   XXXX  I was involved in a minor moving violation. All I have to say is show me the proof since they are reporting this.    2.also the y are reporting that on  XXXX   XXXX   XXXX  I was involved in a at fault accident also since they are reporting this there should be a police report again she me the proof. I wanted to point out that in both instances are false statements that are affecting my insurance premiums
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

I mailed a certified letter asking to validate debt by providing the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.
Consumer complaint received 2017-06-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check is!
Consumer complaint received 2017-06-17
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: BARCLAYS BANK DELAWARE (IN)

I mailed a letter t o Barclays o n  XXXX   XXXX ,  2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for their credit. They replied with a letter, dated  XXXX   XXXX ,  2017 , saying the inquiry was valid. I did not apply for their credit and I suspect this is a result of fraud. They also failed to send any documents to verify the results of their investigation.
Consumer complaint received 2020-10-07
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. (WI)

My XXXX  is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my XXXX still remains reflective of bad history.
Consumer complaint received 2017-06-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MARINER FINANCE, LLC (FL)

I have been involved in this VA mortgage refinancing wit h Mariner Finance LLC s ince  XXXX   XXXX ,  2017 . We received a loan estimate amount of  XXXX  with a payment amount of  XXXX . Once the appraisal came in for  XXXX ,  XXXX  We never received an upd ated Loan Estimate o n the  XXXX  We were asked to run back and forth to fax machine to provide documentatio n. (  Many many times as documented .. ) Then on  XXXX   XXXX ,    2017  at  XXXX  we were sent a closing disclosure for the  XXXX  ( which had the incorrect spelling of name ) we were unable to open and sign. We only had phone access. We tried many times to send.   at  XXXX   XXXX  we sent  XXXX  a text that the Closing disclosure should have been signed and sent to her .At  XXXX   XXXX  she stated that she received them.   On  XXXX ,  XXXX ,   XXXX   .at  XXXX   XXXX  she sent text stating the documents were not signed and that we should sign and date for yesterdays date ( documented ) She then stated we could fax it to her. ( Advised the closest Fax machine wa s not Open on Saturdays  and Sundays.. ( She advised that she could get Monday as long as it was dated for yesterdays date. Also was asked by  XXXX   XXXX  to also backdate ( documented ) ( something I felt was morally wron g )   XXXX   XXXX   XXXX ,  2017  at  XXXX  (  19 min after supposed closing ) I received another set of closing disclosures. I compared the two sets o f final Closing Disclosures along w ith the Original Loan Estimate.  and noticed the one they were rushing me to sign the payment was  XXXX  a lot higher than the payment for the higher loan amount. And the payment for the second set of Final disclosures was  XXXX  We were not informed o  f ANY Number changes.
Information was left out   on the final closing disclosures that they were rushing me to sign on  XXXX !  XXXX  and  XXXX , as well as BIG number differences.   I never received a Loan Estimate on the  XXXX  I also do n't think its right To BACKDATE Legal and binding documents and as I understand it a new set of Final Closing Disclosure requires a 3 day review period.
Consumer complaint received 2017-06-17
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: Experian Information Solutions Inc. (CA)

I pay for credit report access from Experian. They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free  credit score inf ormation. It said my  XXXX   XXXX  score was  XXXX ,  XXXX   XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Consumer complaint received 2017-06-17
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. (NC)

I have numerous inquiries on my XXXX Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted XXXX numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call XXXX back or to send them a letter disputing the unauthorized inquiries. I called XXXX AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to XXXX. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by XXXX is XXXX.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

In XXXX I was contacted by XXXX XXXX XXXX, XXXX about a charged off credit card with Synchrony Bank/ Care Credit XXXX They were trying to collect {$8100.00} I wrote back to the company asking for debt verification within the 30 days. I also asked them to not contact me by phone, email, social media but to communicate with me only in writing. 
XXXX never answered my debt verification request but continued collection efforts by mail and also by calling me 2-3 times a day. In XX/XX/XXXX they sued me, although the debt was never verified. They reported inaccurate information to the 3 Credit Bureaus and when I filed a dispute they refused to update the account as disputed.
Consumer complaint received 2019-02-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX,,, Continuing Issues,, Yes I Did Received A Response For This Matter On Same Day,,, XX/XX/XXXX XXXX,,, But it Was From A Previous Complaint,, XX/XX/XXXX In Question,,, Well I Did Speak To,, Mrs XXXX XXXX ,, about The Issues But She Is Asking For More Input About These Problems, ( Quote ), If Wells Fargo Bank Is the One Who Messed up All The Paperwork up In Past,, How Can I Fix This? Now,, They Have Alot More Work To Do,, If They Was Making Things Right For,,, Victims,, And Loyal Customs,, Then They Would Have Solve These Messy Problems Already,,,!!!! And Me And Mrs XXXX Talked About ClassAction Settlement Payments,, She Really Didn't Talk About It Much,, But She Told Me To Call The Claim Line,, So Did First Time I Called I Got Fax Noise,,, 2 Time I Called The Was Busy, for a Least 5mins,, So Hang up And Called Again, Fax Noise, So I Didn't Call Anymore After That,, Now This Was Doing the Time They Was Taking Claims,, ( XXXX ) In XXXX For ( Unathorized Accounts ) XXXX,,? Settlement,, So With That Been Said,, Do I Think They Did Enough Work,, No,, Should They Reconsider This Issue,,, Yes
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts and debts currently listed on my Equifax credit report are fraudulent accounts and debts : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX. The following information is incorrect : 1 missed payment with XXXX XXXX XXXX. All of payments to XXXX XXXX XXXX  has been on time payments.
Consumer complaint received 2017-06-16
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: EQUIFAX, INC. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.
Consumer complaint received 2017-06-16
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. (GA)

On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NY)

Trying to connect my bank to app called active hour they are having issue with verifying account using a third party vendor.     We do not have a connection with your bank because the third party bank provider is not seeing able any recent direct deposits, but not because we need a screenshot. Your account was looked at by our team and we were able to see that the issue was the third party provider. There is nothing you and we can do at this point besides wait for our third party provider to fix the issue. : - (
Consumer complaint received 2017-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

ihave tried contact equifax due to items on my report form 4 years ago stating collections with no NAME just numbers see attached tried calling equifax on phone but was disconnecteed on  2 differen t occasions
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIGY USA CORP. (TX)

I am attempting to close out the estate of my deceased father. He had  XXXX  judgements placed against him. I   am trying to pay them in their full amount through the sale of his house. However, one of the companies, Main Street Acquisitions, refuses to provide the title company with a pay-off amount. This is resulting in the inability to close the sale and the inability to close out the estate.
<P/>
I, and the representative from the title company have been trying to get an answer from Main Street and are facing a stone wall and feel like the sale of the house is being held hostage to their ineptitude. When we call Main Street we are told that they are trying to place the debt with a servicer and that they have escalated with their dispute resolution department. We are not trying to dispute the judgement or the amount of the judgement. We are merely trying to pay it, but they will not allow us to.
<P/>
The result of their unwillingness to provide the pay-off is that now my house buyer is wanting to charge me {$370.00} per day ( including weekends ) since this has caused us to miss the contractual closing date and if we can not resolve this with Main Street, I will lose the sale of the house in 14 days.
<P/>  I expect that this will absolutely cost us this sale and do not see why future attempts to sell the house would ever lead to a different result which means i ca n't sell it and ca n't close out the estate.  <P/> I am merely trying to honor the financial obligations that my father created. I am not trying to negotiate the amount of the judgement at all. I am begging them to just take the money that is owed and let us proceed with the sale. They do not appear to be interested in doing this. Due to real estate market timing, I do n't believe that subsequent offers will be as high as the one I am desperately trying to close right now. Their actions very like are now causing financial damages to the estate.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

I get at least one call each day from Caller ID : Navient. Phone Number XXXX. They say I owe money and can clear my account by calling XXXX or I can sign on to Municipal Services Bureau to pay the amount owed. 
I have contacted every number and web address for them at least 3 times and told them they have the wrong person/contact info. They say it's cleared, apologize, then it starts happening again.
Consumer complaint received 2017-03-01
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: DOAN SOLUTIONS (NY)

On  XXXX   XXXX , I received an e-mail at my workplace,  XXXX    XXXX   XXXX   XXXX   XXXX   at  XXXX    XXXX   XXXX  , regarding my Student Loan from the Information at  XXXX   XXXX   XXXX .     The e-mail falsely states that  XXXX  is excited to inform employees like me that we  may be eligible for the Public Service Forgiveness Program.  Si nce 1998 I ha ve been paying off a student loan, which has increased twice fold, I was a bit eager to find out how I can apply for such program.     When I called :  XXXX  it directed me to  XXXX  at Doan Solutions.  XXXX  informed me that I would have to reconsolidate my loans for a {$790.00}. fee. I gave her my social security number and my password to give her access to peruse my loan debt at th e National Student Loan Federal Aid we bsite.     She then proceeded to tell me that she would have to charge me {$790.00}. to reconsolidate my loans. I told her that I would have to do a little bit more research before I agree to pay such fee.     I called t he Student Aid Ombu dsman  XXXX  and  XXXX  told me that the process of reconsolidating loans should be free. She then gave me a case number and instructed me to alert the Consumer Financial Protection Bureau.     I am also concerned with identity theft, which I have to alert the Federal Trade Commission.     I hope this issue is resolved and that my colleagues and anyone else are protected from such scam.     Please read the e-mail below : To :  XXXX   XXXX  ; If you are a university employee still burdened with student debt,  XXXX  is excited to inform you about t he Public Service Forgiveness Program.  The program is designed to help eligible personnel eliminate their student debt in ten years, while remaining in their current career. Participating can cut your principal in half, and after ten years, any balance left is forgiven.     We can help you see if you can qualify for a forgiveness program and prepare all the necessary documents to make sure you are eligible. It 's all done with just a phone call.      XXXX  's Get Started :  XXXX  We encourage you to learn more about t he Forgiveness Program ; be cause it 's one of the most effective relief methods for university personnel. Its all done with just a phone call.         Thank you,  XXXX