davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. Thank you.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I had disputed this Bankruptcy and requested validation that this Bankruptcy belonged to me and I requested the name of the persons who validated this information. Experian ' s response was they verified it.. First of all verification is NOT validation and the law requires the consumer is entitled to validation and what process to do so. Is used. The Bankruptcy court does not validate to the credit bureaus. That was made very clear to me when I inquired through the United States Bankruptcy court. I was not provided any information regarding validation which is proving something with my signature. I am requesting that the Bankruptcy listed under my credit file be deleted immediately since they can not validate it. Also since I disputed it with the credit bureau, they have my online access to my credit report and stated I have to get it through the mail. This action is deliberate because I disputed this issue with them online.
Consumer complaint received 2017-08-14
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. (AL)

I disputed inaccurate accounts on my credit report with XXXX, XXXX Equifax After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX Eqifax XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
Consumer complaint received 2017-08-14
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. (CA)

I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.
Consumer complaint received 2017-10-09
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. (FL)

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

This complaint is a follow up and addendum to existing CFPB Complaint ID # XXXX. I am attaching the e-mail I received from XXXX XXXX XXXX, in which she provides me with the contact information for XXXX XXXX XXXX XXXX I am making an addendum to this existing complaint to show that while XXXX terms it " XXXX XXXX XXXX XXXX XXXX '' she is doing nothing more than using a euphemism for relegating and coercing me into using their call center for XXXX XXXX clients, in retaliation for my raising and making good-faith complaints about U.S. Bank XXXX U.S. Bank Investments XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The " XXXX XXXX XXXX XXXX XXXX '' is not at all a " dedicated '' team to me ; they are a call center, and this is different treatment than other XXXX XXXX  customers are receiving. On our phone call on XX/XX/2022, XXXX attempted to coerce me into not using her team as my Private Client Bankers, as outlined in CFPB Complaint ID # XXXX. The e-mail I've attached to this complaint continues to demonstrate that XXXX knowingly and intentionally pressured and coerced me to using the general service center, rather than her team 's Private Client Bankers and Financial Advisors, because of the complaints of retaliation, discrimination and uninvested money concerns I brought to the attention of the CFPB and the OCC. Furthermore, I will have a {$150000.00} deposit incoming to my U.S. Bank checking account within the next two to three weeks, which is from my deceased husband 's pension. As a result of XXXX 's actions and coercion, I have no one locally or personally to assist me in investing these incoming funds, so she has relegated me to using a call center to invest this huge sum of money, despite my total investments amounting to well over what her team would handle from a Private XXXX Client servicing perspective.
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MI)

From XXXX to today XXXX/XXXX/XXXX Discover BANK has been sued over 40 times in Federal courts and over 200 times in States courts each time Discover were order by the courts to pay damages! I have never received o cent form Discover BANK!
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.
Consumer complaint received 2022-08-03
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (CA)

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # ( XXXX ) 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
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (DE)

On XX/XX/2022 I received an email from a company named TrueAccord. The company stated that I owed a debt of of {$570.00} with XXXX XXXX XXXX. I Also received a separate email from the same company TrueAccord on XX/XX/2022 that stated I owe {$25.00} with XXXX. The email states " Call or write to us by XX/XX/2022, to dispute all or part of this debt. If you do not, we will assume that our information is correct. '' So I follow up and send them a certified letter in the mail to the address, asking for debt validation and disputing the debts. The company received my letter on XX/XX/2022 and in turn refused it. Therefore denying my right to dispute the debt which is against the law. I have attached all information and proof below.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a citi savings account on XX/XX/22 and transfer {$24000.00} from my own salary accounts to Citibank savings account via ACH transaction. Suddenly, Citi closed account on XX/XX/22. Citi held all funds. Customer service would not tell me why. They kept saying that I had to wait for a letter, which had a reference code. I really don't care if citi wants to close my account. But in the meantime, I have NO ACCESS to my money. I have already been waiting for a month- and citi still just keeps telling me " 30 to 60 days ''. This is ridiculous that I am unable to access my own savings. I had considerable amount saved there. I talked to at least a few different fraud analyst and they have a standard script to repeat every time. NO ONE at citi will tell me if my account is still being " reviewed ''. If, or when, my account will be closed.

NO ONE at citi will tell me when their so-called " 30 to 60 day '' timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.

NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.

I am running out of money that I had in my savings account and I need my money. I don't know what to do at this point.
Consumer complaint received 2017-10-09
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. (OK)

My family is attempting to transfer our wireless telephone service from my mother 's name into my name in order to receive a discount through my employer. However, XXXX XXXX XXXX is requiring an astronomically high deposit of {$500.00} per line, totaling {$2000.00}, to perform this simple task. 

I have been referred by XXXX XXXX XXXX many times to contact Equifax, the bureau that they reportedly pull their credit reports from, to see what could be negatively affecting my credit, but they repeatedly tell me : " it looks like you have excellent credit ''. Despite the fact that I have excellent credit ( FICO score of approximately XXXX ), XXXX XXXX XXXX insists that my credit score is in their lowest credit class XXXX XXXX XXXX XXXX. This directly contradicts correspondence that I have received from XXXX XXXX XXXX by mail, stating that I have a score of XXXX of XXXX, and no key factors are affecting my credit adversely ( see the attached document ). 

I have attempted to resolve the issue with XXXX XXXX XXXX customer service directly on numerous occasions over the past week, and wasted hours upon hours of my time. I have been hung up on repeatedly after being placed on hold for times ranging from XXXX minutes to XXXX hour and XXXX minutes. No one I have spoken to seems to want to look into the issue, and I am repeatedly told " that 's what the system says '', when asked why I am being required to pay such an absurdly high deposit despite my excellent credit. I am growing vehemently frustrated with the poor quality of XXXX XXXX XXXX 's customer service and their apparent predatory deposit practices. I can not emphasize enough the anger I feel at the amount of time I have wasted trying to resolve this issue with XXXX XXXX XXXX directly. I feel as if I am being discriminated against, based on the fact that I am attempting to get a legitimate discount through my employer, despite the fact that my family has been a customer of XXXX XXXX XXXX 's for over 18 years. 

After asking COUNTLESS times, no one at XXXX XXXX XXXX or Equifax is able to provide me with a specific reason why these excessive restrictions are being placed on me. As I understand it, this in itself is a violation of the Adverse Action Notice section of the Equal Credit Opportunity Act. 

Taking this issue to a regulatory agency was not my first choice, but I have exhausted all other means of resolving the problem through XXXX XXXX XXXX and Equifax, and it is obvious they do not want to help me.
Consumer complaint received 2017-08-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient would not contact me about my private loan, only my co-signer. Each time I would call they would indicated that I do not qualify for any modifications and that my address and contact number was incorrect. Navient charged off my loan XXXX 2016 without notice and has continued to contact my cosigner and not me, the primary borrower. They did not attempt to garnish my wages, manage any repayment possibilities or contact me.
Consumer complaint received 2017-08-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (IL)

I have just checked my credit score, and I was going through what was affecting my score, and I ran across this debt collection of an GoldKey Credit amount of {$660.00} from XXXX XXXX XXXX. During that year, I just moved back to XXXX from New York, I did not have a job, I just graduate from high school a year a ago ; at that time I only had one debit card, and that was with XXXX. I really have no idea where or what this debit Collection is coming from, thank you for taking the time to hear me out.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IA)

I was approved for a BP Credit card from XXXX XXXX ( Phone # XXXX ), website : mybpcreditcard.com, with a credit limit of {$500.00} in XXXX 2017. In XXXX 2017 with the exact same information on my credit report my credit limit was stepped down to {$110.00} which damaged my credit rating by escalating my debt ratio. I had a XXXX XXXX in late XX/XX/XXXX and just got home the fist week of XX/XX/XXXX and have been trying to get house work caught up and pay the bills that did not have auto pay already attached to the accounts. Why would you grant credit just to rescind it 30 days later. XXXX XXXX appears to be notorious for doing this and it makes no sense, nothing changed on my credit report from the time credit was granted 30 days prior. Yes, I had a XXXX XXXX, but I 'm still employed, still earn the same income at the same job. This is why they had to solicit me 4 times before I accepted the credit offer, because I had heard of this problem with XXXX XXXX. How many hard working families need to have their credit damaged by this bank.