davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (TX)

On XX/XX/2021 I was charged a monthly fee of {$30.00}. Then on XX/XX/2021 I was charged a {$34.00} overdraft fee. I was told the reason is that I have a Citi Priority package with them and that I must keep my balance over $ 50k/month to avoid the fee. The problem is that I closed my checking account XX/XX/XXXX. So I no longer have a Citi priority package with them. I only have a savings. So now that they no longer have a checking account to charge for the monthly fee they started charging my savings even though I am no longer getting benefits of both accounts. The rep that closed my account in XXXX never informed me that I would now get charged to my savings account. Every savings account I have ever had was free. With Citi it is not free but this is the first month ever in over a year that I was charged and I have not met the balance requirement for about a year now.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I requested a refund for student loan payments made during the forbearance period. It was supposed to take 90 days to receive the refund, but I have yet to receive it. I called in to inquire about it, but all they could say was that I had to wait another 60 days, no reason why. The money is being held with no interest accruing which means I am in danger of receiving less than its expected value. The servicer never reached out about the delay nor did they process it at expedited recourse to resolve the issue when made aware of it. The timeframe of when I should have received my refund has long past expired.
Consumer complaint received 2021-11-29
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2015-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC ()

I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I checked my credit report onXX/XX/2024and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are several items that appear on my consumerreport from entities that I have never signed any contract/agreement with, done business with, and/or provided consent or authorization to furnish any information to a third-party. 

Under section 609, I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are legally obligated to verify the authenticity of all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone utilizing their reporting services.Their failure to adequately verify these accounts has adversely affected my creditworthiness. According to the FCRA, any unverifiable accounts must be removed. If they are unable to furnish verifiable proof, they must eliminate the accounts specified in my dispute letters. 
In addition, I have requested a thorough and manual verification, including the date that they have contacted the furnisher, the name and address of the furnisher, the name of the agent, the method of communication, and most importantly if the furnisher provided my name, address, and/or dob. 
I have yet to receive any of this information! They are willfully being non-compliant. It is injurious to my credit report and has significantly impacted my financial well-being and credit score.
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc. (FL)

XXXX and Experian have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
XXXX and Experian verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Experian Dispute Department, I am writing to dispute certain information on my credit report. Upon reviewing my report, I have identified several inaccuracies that require immediate attention. The items in question are as follows : - XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX 
Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Please provide the written statement that was provided by me the consumer that allowed you and the company listed above to furnish anything onto my consumer report pursuant to 15 USC 1681 ( b ) ( 2 ) 2. Also pursuant to 15 USC 1681 ( d ) ( b ) please disclose per my request of nature and scope of investigation. Including the name and phone number of person that was interviewed to verify above accounts. 

I request that Experian investigate these disputed items and correct any inaccuracies as soon as possible. Enclosed with this letter are copies of relevant documents supporting my dispute. 

According to the Fair Credit Reporting Act, I am entitled to an investigation of these disputed items. Please provide me with a written response regarding the results of your investigation. Additionally, I request that any corrected information be sent to all parties that have received my credit report within the last six months, as per the law. 

I appreciate your attention to this matter and timely resolution of these disputes. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 
Equifax has already placed a Fraud XXXX alert on the other XXXX CRAs, so you do not need to do this again ... Let 's be intelligent here. I want you to review the attached documentation and REMOVE/DELETE this entry asap ... I am on the verge of making sure the AG fines your establishment for years of extortion. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end " our business relationship on XX/XX/XXXX and that I agreed to do so based on " page 2 of an agreement I signed when I opened the account '' in XXXX. This is an " unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX. 
I have been told I will be sent a cashiers check, which I do not want, because I prefer to transfer funds electronically just like banks conduct their business at the " discount window '' of the Federal Reserve. I feel this is an egregious act on the part of Bank of America, beyond the basic lack of courtesy at a time when extreme time based income inequality threatens individuals into permanent financial crisis. 

When banks threaten themselves through greed and mendacity and politicians that are beholden to them agree to bail them out -- their is no relationship other than one of domination and control and reinvestment in digital products that do not deliver and are fraught with fraud and security precautions that are wholly in the hands of Bank of America itself.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WI)

I clicked on a website for 'get current mortgage rates ' and filled out my name, address. Immediately someone from Quicken Loans called me. I specifically told him all I wanted was current rates and he said he just wanted to know about my current situation so he could see if he could help. He then apparently submitted a mortgage application in using my name because I received a denial letter. I did not apply for any mortgage from this company and this has to be illegal on their part.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Freedom Mortgage Company (WI)

I have a mortgage with Freedom Mortgage Corporation. I contacted them about a refinance and they pulled my credit reports on 6 different occasions without offering a product or service. When I followed up with the company I got bounced around from person to person and nobody replied to my email. I am including my emails to this message. I have an excellent credit score and having 6 inquiries in such a short time is going to affect my credit. I moved my loan to another company after this as I did not sign any disclosures or give verbal approval to run my credit and the six inquiries on my credit would never have been approved if I was not trying to receive a product or service.
Consumer complaint received 2020-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want XXXX  XXXX  items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was rejected for a credit card as Experian told lender that I did not have any credit history. 
I am XXXX XXXX XXXX and have an extensive credit history with high ratings XXXX scorefrom XXXX and XXXX. 
I contacted and spoke to 6 people at Experian and they all said nothing to be done. All inquiries are told that I have insufficient credit history.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage balance was $ XXXX and I had originally purchased my home for $ XXXX. When my income unexpectedly stopped in XX/XX/XXXX, I immediately listed my home for sale, as I knew I would be unable to afford my mortgage payments. As it was the height of the housing crisis and banks weren't lending, I was unable to sell my home and recover any of my equity. In XX/XX/XXXX, I was no longer able to pay my mortgage as I had no income, had exhausted my savings keeping up with mortgage payments and could not find employment. After 3 months in XX/XX/XXXX before foreclosure was initiated, I received a settlement from a class action and contacted XXXX XXXX, the servicer, to satisfy the arrears and get current, hoping that the market would recover somewhat and I would be able to sell the house. XXXX XXXX told me they would not accept the payment. It has been 10 years. I was constantly applying for hardship loan modification once I found employment since my mortgage was 6 7/8 % interest only with no success. At the ultimate foreclosure trial in XXXX, the judge ruled that since I provided evidence that corroborated the banks ' unwillingness to take my payment & avoid foreclosure, they could not accelerate the mortgage. As the market recovered, I have always had some equity in the house and found buyers to pay off the mortgage but obfuscation and withholding of information by the bank interfered with the process. XXXX XXXX kept me tied to a house I couldn't afford so that now, I am actually underwater on the mortgage. XX/XX/XXXX, a new servicer was assigned to the mortgage and I attempted to work with them on a short sale. I immediately found a cash buyer for $ XXXX when the mortgage balance they were looking for was $ XXXX. It has been 3 months of runaround. I had 2 backup offers that I lost because of the delays and runaround from the servicer. This is a nightmare. I have lost everything I invested and the bank is making almost a 100 % return on their $ XXXX investment. They claim not to receive information, misplace or lose records and plain out lie. Meanwhile, every month they are looking for an additional {$2900.00} of my equity for a mortgage payment. I have done everything I could to try to satisfy the loan. get out of a home I can not afford to maintain, and recover some of my original equity for almost 10 years. I am almost XXXX years old, raising my granddaughter alone after the death of her mother from XXXX and need to get control of my financial life. My situation is complicated but I need help and feel that there is no one to go to. The legal system failed me. The attorney 's & realtors I work with are similarly frustrated. I don't know how these banks are able to do this to a person. The only one who is losing anything is me and I could really use some help. Thank you.
Consumer complaint received 2020-12-07
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: CL Holdings LLC (SC)

On XXXX XXXX, 2020, JEFFERSON CAPITAL SY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (IL)

Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.