davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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: Kikoff Inc. (MI)

I signed up with KikOff lending and set my payments for the monthly XXXX on AutoPay. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of KikOFFs!
Consumer complaint received 2017-01-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: French Financial, Inc. (TX)

I have a small new personal loan from Guarantee Loan Service ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) ph # XXXX XXXX of {$400.00} that was due for it's first monthly payment of {$60.00} on XX/XX/XXXX. This company calls and uses text messages excessively and harasses their customers. During XX/XX/XXXX - XX/XX/XXXX ( 3 days were weekend and holidays ) I was called on my personal business cell phone a period of 5 times with 2 of those calls answered by me confirming I would be making a payment. I was left 3 voicemails, and additionally I was texted 3 times ( which I replied to 2 of them separately from the phone calls ). The company made contact with me 4 times within 4 business days ).

I spoke to the Manager ( XXXX ) on ph # XXXX XXXX and made the minimum payment on XX/XX/XXXX when my account was 7 days past due. I informed XXXX not to call my cell phone any longer or text and instructed her company to cease and desist future calls to that number. XXXX said, she will not stop calling and demanded I pay the loan in full if I didn't like it. I informed XXXX that the cell phone they called is a personal business cell phone and that I do not want them calling there anymore because even when I answered and confirmed I would make the payment they still called and texted daily. I also informed XXXX that she could not simply demand payment in full and that I have a monthly contract and within the 10 day late fee grace period. I was asked to make a payment and provided my debit card info by phone. XXXX texted me harassing me again even after I paid my minimum payment due and wrote to me, " Then do not use a business phone for personal business Have a great day '' on XX/XX/XXXX @ XXXX CST. I had already paid my account current as of XXXX XXXX  CST and ended my business call with them. 

On the phone call XX/XX/XXXX @ XXXX XXXX  CST XXXX says they don't need to follow CFPB Regulations or acknowledge cease and desists. XXXX says they can call whoever and however many times they want and text. XXXX said that she is a collector and that's what she will do. 

This company knowingly harasses customers for payments by phone and text. Additionally, I did not receive a verbal confirmation of the amount of my payment made, date of payment, nor was I provided with a confirmation number for my debit payment by phone with XXXX. I do not believe they take payments over the phone in a manner that protects consumers or their information as required by regulatory guidelines. 

I would like this complaint logged and investigated. 
Thank you,
Consumer complaint received 2021-07-08
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-07-08
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. (NY)

I was informed that " hard inquiries '' on my 3 credit reports from XXXX, Equifax and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

In XXXX my citi bank debit card was locked due to suspicion of fraud because i was spending more than normal when I attempted to call citi bank and unlock my card they would not do so saying i had to go to a branch and provide documents to prove my identity I obliged and went to the branch with my ID and birth certificate and also my medical card the branch told me to allow 24 hours and my card would b unlocked ... that never happened i called back to b told my account is being closed and any funds would b mailed to me in a check 60 business later after the 60 business days nothing came in the mail so i called citi bank again this time I was told my remaining balance was sent back to Illinois unemployment so i then called Illinois unemployment they confidently told me they have never received anything from citi bank so i called again this time theyre telling me its coming in a check wait 60 more business days i tried to speak with supervisor but every single one has hung up in my face every single time my remaining balance was {$12000.00}
Consumer complaint received 2015-06-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.
Consumer complaint received 2021-07-08
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. (NJ)

I disputed the XXXX XXXX XXXX Account # : XXXX several times to the credit bureaus but I have not getting any response regarding the results.
Consumer complaint received 2021-07-08
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. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (HI)

I am a member of Costco Wholesale. On XXXX XXXX, I received a credit card from Citibank because Costco is no longer teaming with XXXX XXXX. I contacted Citibank, Costco, and XXXX XXXX. Because XXXX XXXX, as authorized by Costco, sold their entire portfolio to Citibank, XXXX XXXX refused to cancel my account before the final transfer date of XXXX XXXX. When I contacted Citibank, I was told that they would not cancel my account because they purchased the portfolio through Costco. Costco 's General Manager informed me that I had to work directly through the credit card companies. How is this legal? I do not want to give XXXX XXXX or Citibank my business.
Consumer complaint received 2021-07-08
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. (CA)

I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX  XXXX  Account # : XXXX
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.
Consumer complaint received 2021-06-24
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Laws you violated.

Upon checking my Account again the items listed below have not been handled correctly per Law.

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report. 

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AL)

Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 XXXX XXXX {$15000.00} BSI Financial Services {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I submitted my XXXX payments to Ocwen Loan Co every month from the same Bank for a number of years. Ocwen has the information on file. My credit profile is marked more than 30 days late when in fact it was not. The mortgage co. put the wrong information into there system. When the wrong information was corrected the payment was recorded. 
The payment was paid before 30 days late and I have requested the removal of this error from my credit report to them several times but they refuse to correct there mistake. This is reported on my credit report as XXXX of 2014.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Early Warning Services, LLC (FL)

I closed a checking and savings account with XXXX XXXX  XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. XXXX XXXX  however is attempting to report my closed accounts to a consumer reporting agency. I spoke to XXXX XXXX  directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX.
Consumer complaint received 2021-06-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EQUIFAX, INC. (LA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

USDOE/XXXX XXXXXXXX {$0.00}
Consumer complaint received 2021-06-23
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (OR)

This Bank illegally froze my account that pulled my credit report approved me for an XXXX CC I have no fraud alert spent three times on phone validing into to activate my card .. Now asking for Documents ( Copy of ID Etc ) that's fully illegal in it self as banks by federal law are not entitled with individuals documents with along all these data breaches etc.. XXXX
Consumer complaint received 2018-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Critical Resolution Mediation LLC (IN)

" XXXX '' from XXXX XXXX XXXX, is obsessively calling me on my personal line and my work line, stating that a criminal charge of check fraud has been attached to my social security number and state ID. She did not even mention a debt, just continued on about criminal charges. I have no idea what this is about and I am aware of any debts I currently have and are in contact with those accounts, so this is nothing I am familiar with and seems fraudulent, as there is no proof or info to give me, just threats.
Consumer complaint received 2021-06-23
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: HYUNDAI CAPITAL AMERICA (CA)

I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have a mortgage account with Mr. Cooper. This is the 5th time I am complaining to CFPB about the same issue : 1. First, Mr. Cooper took away my online amortization schedule from my account.

2. Then I need to request and wait for days/weeks to get the wrong one.

Today I chatted with XXXX  who is shamelessly telling me to call Escalations. When i called escalations, the agent doesn't understand anything. Agent 's supervisor ( XXXX  ) is not capable enough and she is stating that this is a recast. I explained to her and corrected her.

Very inefficient company and very poor quality of work. Two of the employees of Mr Cooper live in my neighborhood. Since the pandemic, they are not doing any work. Both on H-1B visa. Mr. Cooper hires bad quality and cheap resources which impacts customers adversely.