davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (FL)

Per my prior complaint that was lodged in XXXX that took this company over a month to respond with a XXXX poor pathetic negligent response whereby I still have not had my demand responded to in regards to request for a copy of the settlement agreement entered into back on XX/XX/year>. 
This company seems to have rude representatives that like to hang up on people and not be able to be factual or ethical. In addition, I am due by federal law a copy of the agreement which FIRST ACCESS HAS YET TO PRODUCE .... 

So then my question is, what is this organization hiding and why has it been over 2 months and i still havent received a copy of the settlement agreement to my home address?
Consumer complaint received 2022-12-21
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
DEPT OF EDXXXX Balance {$24000.00}
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells fargo is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX Wells Fargo has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and Wells claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So Wells Fargo needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
Consumer complaint received 2023-10-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

I have an ongoing problem with my other half who has hacked into many accounts and canceled payments- I could have fixed this if I would have received a email, call, letter something from the company ( lowes which Ive had the account sine XXXX  and have never had this happen- Ive never been late, or missed a payment or had a payment canceled.. I only found out by going into the account today and they said someone cancelled the 2 payments back XXXX XXXX I have great credit.. this person has created XXXX  in my life and families lofe
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (AE)

Recently requested SCRA benefits from OMNI Financial, company has not responded to my request I am applying under Louisiana State Law as a Key provision state. Mutiple request has been made to comply as they have violated my rights under SCRA.
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (WV)

I was moved from XXXX to Mohela for PSLF. Before which I put in an IDR application. That application was never processed. I put XXXX in with Mohela and it hasnt been processed though that was filed on XX/XX/24. Ive messaged them about it and received no response. 

I have received several confusing letters which I also requested info about and still havent received an answer for either.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/2023 XXXX XXXX went to the United Community Bank located in XXXXXXXX XXXX and told them that I was stealing money from my XXXXr whom I had a XXXX  account with along with my XXXX My XXXX was not with him, my XXXX was not spoken to. The branch took his word and closed our account and opened her a brand new account without ever seeing or speaking to my XXXX or having anything in writing. XXXX XXXX is a XXXX XXXX and someone that it took us XXXX years to safely get my XXXX away from. He was facing a XXXX conviction the XXXX week and I was a subpoenaed character witness against him. I do not know how he found my XXXX  and her XXXX Home in XXXX but he showed up in person on XX/XX/2023 with paperwork for her to sign. Luckily the XXXX home knew about the past with XXXX XXXX and they refused to let her sign anything without the presence of an attorney or a notary. They also kept her safe by not letting her leave with him. They informed him that she could leave but it would be against XXXX advice and they would have to file a report with the adult protective services. He left without any paperwork signed drove back to XXXX and at some point that afternoon around XXXXXXXX XXXX They close the account and open to the new account. All of the money that was in our account was moved to the new account. The money in that account is the money that's used to pay my XXXX XXXX XXXXXXXX home where she receives XXXX XXXX day a week XXXX XXXX XXXX I went to the XXXXXXXX XXXX  and sat with XXXX the branch XXXX. She was super helpful called the XXXX branch and it was very clear the law had been broken and that what they had done was illegal because they had no XXXX card they had not even spoken with my grandmother. They were surprised to learn that she even lived in XXXX. However there was nothing anyone could do until my XXXX Guardianship and conservatorship was granted by the judge in XXXX XXXX. I did receive the final order with my Guardianship and conservatorship on XXXX XXXXXX/XX/2023. I went into the XXXX XXXX again and was helped by XXXX XXXX, who did absolutely everything he could to help me. He did things the way you're supposed to by reaching out to XXXX. However legal decided that they needed to speak to an external attorney to get advice. I made it very clear that the money that was removed from our account was the XXXX payment for my XXXX XXXX  XXXX home and that they were endangering her livelihood by continuing to hold on to this money. As of today XX/XX/2023 at XXXXXXXX XXXX. They are still awaiting discussing this with outside counsel. Meanwhile I have a judge 's order that grants me Guardianship and conservatorship of my XXXX  and I should be able to get this taken care of. That is my number XXXX concern right now. Once that is taken care of the illegal actions that have endangered my personal information along with my personal safety and the safety of my family needs to be addressed. I have filed a police report with the city of XXXX.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My lender, Freedom Mortgage, placed XXXX forced insurance policies on account an XXXX policy and flood insurance. I have emailed evidence of my flood insurance. However, my loan documents don't require an XXXX policy ( it was originally written back in 2007 ) so Freedom doesn't have the legal right add this additional requirement to the original loan. I attempted to speak to the insurance company, XXXX, to explain this but they don't answer their phone after XXXX minutes and I don't have any additional time to devote to correcting their mistake.
Consumer complaint received 2023-02-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I've had numerous issues since opening my Citi account with the promise of dedicated personal banking support, $ XXXX cash bonus, enrollment in the Citi subscription program, and inability to resolve general account support items or even attempting. 

1. I was to be enrolled in the subscription program in 60 days. It took Citi over 90 days to have this done despite numerous resolution calls, emails, and follow ups from me.

2. My transfer to Citi was not done based on what I discussed with my financial representative. My cash savings was to be put in a money market mutual fund upon transfer but was left in a non interest barring account. I had to contest this with my advisor it was wrong and ask for interest credit 3. Unable to use the electronic check depositing tool. There is an issue with the app and it's not allowing it. I deposited the same check with XXXX without issue 4. Wires are delayed multiple business days and no escalation is taken. I submitted a wire transfer on XX/XX/XXXX for $ XXXX. It was flagged by their fraud department and I wasn't notified until the XXXX. Citi 's systems were down so the wire never was funded to my XXXX savings account losing me 4 days of interest or {$90.00} 5. The Citi app is unaccessible and non responsive the majority of the time impairing mobile banking needs 6. Financial representatives I'm assigned to are non responsive to emails or inquires. It's taken me a week to find my advisor to execute a trade ( XXXX XXXX ). I've escalated to XXXX to be moved to another team 3 weeks ago but nothing has happened. 

At this point I want my $ XXXX promotion now and I'll exit my short banking relationship. This private client banking is anything but premier and has been a disaster
Consumer complaint received 2023-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both TransUnion and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. TransUnion reports DOLA as XXXX. XXXX reports DOLA as XXXX. XXXX reports DOLA asXXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as 0. TransUnion reports payment amount as XXXX. 4. Both TransUnion and XXXX report date of last payment asXXXX. XXXX reports last payment date as XXXX. 5. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. TransUnion report shows 0 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and XXXX reports are missing date account was closed. 11. Both XXXX and XXXX reports are missing Date last verified also.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (WA)

I recently pulled an Employment Data Report which indicates XXXX XXXX has reviewed my information monthly for the past year. 

The information on the report and the information I have reviewed on XXXX XXXX do not match. The company is not utilizing my information correctly
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have been using Chase Credit Card for more than a year, with XXXX XXXX and XXXX XXXX. As of last month, I have accumulated a total of more than XXXX points without spending any of them. 

On XX/XX/XXXX, I found that I only had a XXXX XXXX Chase UR left. I clicked on the activity and found that all the points on the two cards were converted to XXXX gift cards on XX/XX/XXXX. The email that received the cards was the email bound to my Chase. But It was not me! They were stolen. 

I checked the login records of the email and failed to find any emails regarding XXXX gift cards. According to the activity records of Chase 's two cards, the operator even knew how to round up the transfer points between the two credit cards. 

I contacted customer service on XX/XX/XXXX and submitted applications for UR point recovery ( for my two cards ). They gave me a new card and changed my account login information. 

I just received two mails today and found out that my requests were rejected by Fraud Department! Reason - you received benefit from the transaction. Before that, every time I called Chase customer service to check in on the progress, it took me over an hour. Even though I was transferred four or five times, I still couldn't contact the fraud department.
Consumer complaint received 2023-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of Equifax. Unfortunately, despite my initial contact on XX/XX/XXXX, Equifax has not responded to date. Consequently, I am seeking your assistance in resolving this matter. 
The following details outline the specific inaccuracies and necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$83.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that Equifax removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that Equifax corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that Equifax removes this account entirely from my credit report.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (CO)

I Literally only have 1 active XXXX card bal XXXX 1 XXXX  XXXX XXXX XXXX card bal should be XXXX but they keep chargind me ( a complaint I will give you later ) and 1 XXXX XXXX XXXX  XXXX ( XXXX TX ) bal XXXX on my car. 

Today I was told that on my Experian report which I temporarily unfroze ( so potential landlords can have access and for an auto loan with XXXX XXXX ) that there are several accounts over 60 days late. 

Impossible the accounts above is all I have. Who regulates Experian and the employees dealing with the information that goes on my account. I have spoken to you several times before about incorrect info or old information. This rises to the level of abuse and fraud on my data that needs a cease and desist action. 

I am looking for an apt and that error on my file is causing me to be wrongfully denied. Moreover the apts need to be concerned with my rental history not my personal credit.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.
Consumer complaint received 2023-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. TransUnion XXXX report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and XXXX reports are missing date account opened. XXXX. Both XXXX and XXXX reports are missing date last verified. XXXX. TransUnion reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both TransUnion and XXXX are missing date of last payment. XXXX. TransUnion report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which TransUnion failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.