davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

I am trying to purchase a house and Macys/DSNB reported me 30 days late over a {$3.00} fee that resulted in my middle mortgage score dropping XXXX points. 

I am in the process of buying a house and that thirty day late will cost me an additional {$100000.00} plus over the life of the loan and additional costs per my loan officer.

Briefly I paid the entire balance on my card of {$300.00} before the statement closing date of XX/XX/2022. Macys tacked on a fee of {$3.00} cents for a balance of {$140.00} subject to an interest rate of XXXX percent. How that is possible when my balance was {$0.00}? 

My XXXX statement had a fee of {$3.00} which I didn't review because I don't monitor accounts that have a XXXX balance. That {$3.00} is I believe what created the 30 day late. 

I used the card in XXXX and paid that bill in full on XX/XX/XXXX, I tried to dispute the late from the bureaus but that attempt was unsuccessful My credit was perfect until this happened and I want the late removed and my credit score corrected.
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (NJ)

I am a repeat customer of Lending Club and this is my second loan. I paid off my first loan with no late payments and decided to get a second loan. Unfortunately, I was laid off due to the pandemic and called Lending Club in XX/XX/XXXX to let them know that I needed help with my payments. My payment was lowered to about {$230.00} and I made that payment ; however, I still did not receive my unemployment benefits and could not make another payment until XX/XX/XXXX. I asked if there was a payment assistance plan available to help me get caught up and the answer was no. I made my {$650.00} payment in XXXX and called again in XX/XX/XXXX to see if there was a payment assistance plan available. Again, the answer was no and I've scheduled a payment of the full amount {$650.00} for XX/XX/XXXX. At which point the Associate stated to call back in 5-6 business days after the XXXX payment posted to see if I'm eligible for a payment assistance plan. Meanwhile, my credit score has taken a major hit and Lending Club seems unwilling to help me get back on track. I have a full-time permanent job and my other creditors ( including XXXX  ) have all helped by providing me a payment assistance plan AND have updated my credit bureau as current. Please let me know if you need anything else. Thanks.
Consumer complaint received 2022-08-13
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)

by the Credit reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I think the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. If the Credit Bureaus can not correct the disputed items on my Credit Report, I would highly appreciate it they woud remove the dispute accounts cmpltely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2015-10-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (MA)

I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (KY)

In XXXX  XX/XX/XXXX and XXXX, there were 2 accounts opened by Macys when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since Macy 's had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked Macys to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with Macy 's and both created 1 day apart.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (PA)

Hello CFPB-inXX/XX/2022, I placed a telephone call to Citibank to inquire of the Citibank Fraud Department if I am eligible to open Citibank deposit accounts, and Citi responded that I was free and welcome to do so.On or around XXXX XXXX, I opened the Citibank basic checking account # XXXX, with a successful ACH transfer of the required amount of {$25.00} from my current financial institution to Citibank-the transfer was completed and successful, and this was the extent of my Citibank activities.Today, XXXX XXXX, I received a Citibank email message informing me that my account will be closed within 60 days for violating the terms of the Citibank Client Manual, as well as asking me to refrain from any further transaction on this account.Question : how could I possibly violate the terms of the Client Manual when all I did was fund my account, as was prompted and required, successfully and completely and provided Citibank with my correct contact information numbers, nicknamed my accounts, and listed one ( 1 ) payee for bill pay service? I find this Citibank action of closing my account extreme, vindictive, and wrong! I did everything correctly and have been forthright with all my actions and information, and stand ready to provide any and all documentation to resolve this dispute-thankyou-XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Dealing with Equifax is like an exercise in futility. It is a real burden trying to get issues resolved this agency. 
I am in possession of the response letter from Equifax concerning my complaint to the CFPB on XX/XX/XXXX. Number XXXX on their willful violation of Fair Credit Reporting Act that states, when a credit bureau receives notice of a dispute, it must reasonably investigate the claim. And the investigation must be performed in 30 days. The notice I received on XX/XX/XXXX is unresponsive to my request. Equifax had 30 days to respond to my previous demand and they failed to do so. 
I warned Equifax in the very recent complaint, that as of XX/XX/XXXX, I mailed in a certified letter requesting the accuracy of XXXX XXXX account number XXXX. And that the account must be removed from my credit file. 
I am demanding that this account be removed permanently and immediately from my credit file due to their lack of transparency. Equifax should not be allowed to manipulate the guidelines of the FCRA.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, we went to chase bank for a domestic wire transfer of {$30000.00}. The intent of the wire transfer was for closing funds on a property we were purchasing and the intended recipient was title company. However, a scammer had knowledge of this closing somehow ( current theory is that someone's email has been hacked ) and they sent my wife fraudulent wire transfer instructions from an email account that looked just like the lender. When we went to the bank, we sent it to this incorrect account from the Scam. 

Immediately after sending the money, I called the title company and they indicated that they hadn't received funds. That's the point at which I reviewed the emails and realized they were sent from a different account with stolen email signatures and such. Mobile viewers do not display the email address in the original message, they only show the contact name. You have to physically click on the name to see the senders email address which is not something one would do if they are already expecting an email at a specific time from someone. 

We went back to chase within about an hour of the transfer to reverse the wire. Furthermore, the account the money was transferred to was also a chase bank account so it was all within the same bank. The account we sent the money to was immediately restricted due to fraud and the personal bankers there indicated it looks like they have a history of being a fraudulent account. It's important to note that all of the funds from the wire were remaining in the account at this time, so none of the funds from the wire had been lost. After additional reviews, the fraudulent account was closed officially by the bank, and we were told that the funds are now held somewhere internally at chase. 

Chase has acknowledged that account was associated with fraud, they have closed the fraudulent account and retained the funds. But we have not gotten those funds back into our Chase account. Every time we ask when funds will be returned, we get a new date as to when the investigation will be completed. There are no external banks associated in this, all accounts are internal to Chase.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added one to mXXXX XXXX XXXX but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IL)

they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Consumer complaint received 2022-10-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, equifax, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Consumer complaint received 2022-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NE)

got locked out way over 30 times in the last year on usbank.com website, always saying something thats not true. this time the permanently disable my account online so i cant get in. been locked out 4 times only in XXXX called them today XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX cause keeps locking me out when i sign in and walk away for a bit, now they say they cant reopen my online banking it permanently disabled. this is not right to do this so i cant run my personal accounts or pay credit cards they are all late cause of them lockig me out of my online banking since XXXX, XXXX and XXXX and XXXX. so i cant pay my credti cards either.so its the online banking websites fault. they need to reopen my user name again and for the stress ive been having with them over a year they should credit me {$150.00} in my bank account just for all the stress with this. otherwise im leaving their bank and not doing business with them ever again. no one is experienced enough to figure anything out how to open it back up.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-26
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me.
Consumer complaint received 2022-01-15
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

My PMI was supposed to have been canceled as of XX/XX/XXXX as confirmed with Flagstar Bank several times with agents over the phone, last one XX/XX/XXXX with a case number of XXXX. I was told then that my PMI would be processed for cancellation and that I should not be charged again on my XXXX statement. 

I just checked and I was billed for PMI again on my statement dated XX/XX/XXXX more than XXXX calendar days after the request was made. I've tried contacting Flagstar again to resolve the issue and keep getting sent to other agents with only promises of escalation. 

This isn't the first time Flagstar has had poor customer service. There have also been circumstances when they have from my XXXX  been out of compliance with regulation, e.g., when my loan was transferred to Flagstar they didn't provide notice in the minimum required amount of time stipulated by the CFPB, and have in the past as a result of their poor systems double charged me ( when a payment was not reflected in their system after being made ).