davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have tried repeatedly all of XX/XX/XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, XXXX, and Equifax as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. Equifax dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

I sent my uncle {$1000.00} usd to XXXX using xoom app and today when I logged into my bank account I saw two pending transactions got approved for {$1000.00} which shocked me as I did see both transactions in my bank acc but as they were in pending status I thought it was just a normal thing that usually happens. But I looked into xoom app today after I noticed the bank acc and saw it showing only one transaction on main and in sub category page there were two transactions back to back sent. I have no clue how this happened though there was a service error that day. I contacted the company and they says their partner company already has transferred the money to receivers bank account and there is no way they can do anything. Its quite disappointing that they dont have some sort of a message or warning that multiple transactions are being processed back to back and if sender wants to proceed. I myself have a XXXX XXXX XXXX ( XXXX ) and they have a bit of strict policies when sending money but as I XXXX XXXX XXXX   of XXXX cant use their service to send thats why I use xoom if theres any family emergency or need. So I just wanted to forward my complain regarding this issue with Xoom that they need to better the system and protect one from such computers errors sending  back to back transactions
Consumer complaint received 2017-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I told the company, Credit Acceptance Corporation, that I wanted to voluntarily repo my vehicle. It was towed away by my apartment. I notified CAC where to pick up the truck. They never got it. The tow company got a mechanics lien, retitled the truck and sold it. CAC sent one notice in XX/XX/2023 saying I owed {$24000.00} when the payoff was {$13000.00}. CAC continues to add delinquent marks on my credit report, with no way for me to settle the debt. They will not turn it over to collections nor can they be contacted directly. Their phone number goes to a medical life alret robo system. This is unethical and I will be continually punished for this with no way to make amends
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Deposit date XX/XX/scrub>XXXX  Froze account XXXXXX/XX/year> amount {$12000.00} I tried to contact my company numerous times to get the check verified but every time I called, they said they tried to contact the issuing bank and said the issuer was not around or couldn't get in contact with them. The funds are there I just want my money.
Consumer complaint received 2020-10-23
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: CITIBANK, N.A. (FL)

I have tried to correct this problem with CITIBANK in regards to a fradulent account that is still on my report. I have contacted them multiple to timesto have this removed. I have filed a police report in the city that i am located in. I dont know why im being held liable for a crime that i did not commit.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XX/XX/23 a dispute letter was mailed to equifax which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

1. Used Synchrony Card to buy Furniture from XXXX XXXX 2.  XXXX XXXX issued {$1200.00} refund on XX/XX/2020 3. Called in customer service to request for check on XX/XX/XXXX 4. Asked to wait for 2-3 week to get refund 5. Called in again on XX/XX/XXXX. They have no idea, no request pending on issuance of refund. 
6. Customer Service hung up during the call on XX/XX/XXXX. 
7. Already called more than 5 times to understand the whole process during the process.

8. Called again talked to supervisor, bank asked 3-4 weeks of lead time again to start the process of refund.

9. They have been holding on to these funds and using it to lend money to other customers on high interest charges.

10. Clearly making profit on pending refund ( on negative balance ) while charging their customer hefty late fees when the payment is
one day late.

11. No laws to protect consumers, A bank can deliberately delay the payment received from a Merchant refund by mentioning technical difficulty while they make more money on borrowed money, while consumers have to pay within fixed time limit. 12 Do not have decency to correct their mistake by expediting the refund process as mentioned by manager. 12. Definitely an indication of financial regulatory violations and
degradation of civic decency in a society we live.

13. Took away productive time away from work which have created a constructive difference to quality of life and society as a whole.
Consumer complaint received 2019-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

CitiFinancial was a second mortgage that was paid off sometime in XXXX as well there was another one with the same lending institution that was paid off and sent to the register of deeds on XX/XX/XXXX. 

My mother passed in XX/XX/XXXX and I'm trying to sell the house, however ; the deed is still showing these debts. 

The property address is XXXX XXXX XXXX, XXXX, TN XXXX Mother : XXXX XXXX CitiFinancial is no longer in existence. 


I called the banking commissioner and they told me that CitiFinancial was fined and closed for they business practices. 

we have tried every avenue given to us and can not get any help with getting these debts removed from the title deed, so I can close on the house. 

The title company is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

This is regarding my fund transfer to my XXXX account in XXXX with XXXX XXXX. In order to activate my dormant XXXX   account, I transferred {$1000.00} from my XXXX XXXX account to the XXXX   account through " Remitly '' on XX/XX/XXXX. After few days I got a confirmation from Remitly that the fund transfer was completed but I did not see the funds in my bank account in XXXX. I talked to the customer care team of XXXX XXXX XXXX but they told me that they never received the funds as the account was in dormant status. I also checked with my XXXX XXXX   account used for my Remitly transfer and they said that from their side the amount has been debited and I need to check with Remitly on where the funds are stuck. I have already followed up with Remitly customer care ( over live chat ) twice but the issue is still not resolved. I need your help for the matter to be sorted out as I am being treated like a football and being kicked around. Remitly ref # for the transaction is XXXX.
Consumer complaint received 2020-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My name is XXXX XXXX XXXX. In XXXX, I co-signed with my daughter to get a loan for her education to attend XXXX XXXX University in XXXX, Georgia. After completing school, she and her husband encountered some difficulties paying her loan. I had problems of my own, therefore I couldn't help her financially. I also had a student loan at the time. In the year between XXXX, her loan was paid in full due to IRS sending her refund to cover her loan amount to the U.S. Department of Education. Since that time, Navient took over my loan from Sallie Mae in XXXX. The last four of her loan was XXXX, whereas, the last four of my loan is XXXX, however, my entire account number is XXXX. Navient has placed her loan, which is already paid on my account in the amount of {$5800.00}. I wrote to the company about this on XX/XX/XXXX, but their response was, " We are unable to adequately address your concern via email due to the status of your loan. '' They gave me a number to call by telephone, which was XXXX. The Navient Email  Representative was Ms. XXXX. All she could tell me was that the loan was mine. I understand how co-signing works, but the loan was paid in full after the IRS sent my daughter 's refund to the U.S. Department of Education.
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS my mortgage company ( SPS # XXXX ) has had since last year a copy of my Flood Insurance that is covered under my HOA. I uploaded the Flood Insurance Certificate onto SPS web site that allows you to upload documentation. That was done XX/XX/XXXX and on XX/XX/XXXX I received a email from SPS stating they received the documentation. With that said, SPS has been charging me every month since XXXX of last year an extra {$150.00} per month due to the fact they have never removed their Flood Insurance Policy and replaced it with my HOA. So at this time, I have been charged so far {$1000.00}. Even after speaking with SPS Insurance Depart ( XX/XX/XXXXXXXX XXXX XXXX ) where they stated that they do have my HOA flood insurances policy on file but never removed their to add mines! Now SPS states that they need to verify the Flood Insurance Policy that my HOA send to them before any refund can be made. I said no. You have had this since last year. Therefore, remove your flood Insurance. The agent said nothing else, and left me on hold for over 45min. Before, he hung up.
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I have been paying my loans since XXXX. I have served in the military since XXXX and just got out. I got out of college with my student loan debt reaching {$150000.00} due to interest rates that I was aware I had chosen. After 10 years now Ive only gotten my debt down to {$120000.00} and I pay {$800.00} a month to navient ( originally Sallie Mae ). They dont give me other options on ways to pay it back or lower my debt but tell me I can just do forbearance if it becomes a hassle but it will continue to add the interest ( not really a solution ).
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

I am a victim of Hurricane XXXX. Thankfully I do have flood insurance. That is nor my gripe. I received a check from the insurance company, but I can not deposit it into my account. They ( CitiMortgage ) wants me to sign it over to them, they will put it in a secure escrow account ( I will not get interest ). Along with the check they want an itemized list from the insurance company as well as an estimate from my contractor. 
Then and only then they will send me a portion to use as a down payment to the contractor. They will issue another check when work has been completed. Home needs to pass an inspection. Then they will issue a check for the remainder of the money. 
I have never been late on a mortgage payment. I have my taxes and insurance rolled into my mortgage ( mistake on my behave ) lesson learnt. How can they dictate to me how to spend these monies? I live in my house, I want to fix it and pay my bills myself. 
This is wrong. I am an adult, employed full time and have a terrific credit score.  They are making me feel inferior.
Consumer complaint received 2024-01-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this message finds you well. I recently discovered late payments on my mortgage account ( XXXX XXXX ) during a credit report review. I have consistently made on-time payments, and it seems there may be an error in reporting.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened an account on XX/XX/XXXX with Citibank for a {$400.00} promotion with a {$15000.00} minimum balance requirement. I have well over {$15000.00} in my account. The banker I opened my account with XXXX XXXX confirmed my eligibility for the promotion at account opening. The money was supposed to stay the for 60 days and the bonus promotion to be credited to account within 90 days after the 60 days. It has been more than 6.5 months and Citibank still hasnt honored the {$400.00} promotion. They are scamming us. I have filed multiple complaints via the banker XXXX XXXX and Customer Service on XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX, a supervisor and XX/XX/XXXX and XX/XX/XXXX with XXXX a supervisor with Citibank and to no avail or response from them.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/year>, I filed a dispute for XXXX XXXX XXXXXXXX XXXX for an order placed on XX/XX/year> in the amount of {$1900.00} against a merchant that can not ( a ) legally sell their product within the state of XXXX and ( b ) did not follow through with their warranty, Dispute ID : XXXX. After filing the dispute I was told : " We're looking into your dispute and will keep you posted on our progress. Remember to hold onto all supporting documentation for 90 days from the date your dispute was opened. '' and that was the only information I was told by Citibank. I was never able to submit any documents or additional information regarding the dispute nor was I given any updates prior to being told, " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. If you are unable to provide this, you will need to seek other means to obtain credit. '' They never requested any information and they made no attempt to investigate this dispute, especially when it's a XXXX, an ONLINE MERCHANT for which I have a receipt from the order.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (TX)

XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MS)

I asked them to stop call told them my brother was XXXX and I did not give authorization for them to contact me and at least 3 to four times a month they call me ... I say the same thing this is not his number and he is in XXXX please take my number off the list and stop call.. I asked for company name and info and they refuse to give it to me ... XXXX ( XXXX ) XXXX EOS. They are rude and wake me up too often not to even be my bill collector ...
Consumer complaint received 2020-05-26
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX