davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A. (FL)

Long story that happened about 14 years ago. CitiFinancial took out a consolidation loan and signed me as the co-signer without my permission. They used my information from a previous loan application. The loan was not being paid, so than they decide to perform an illegal charge - off through the IRS on my 2017 taxes. This triggered an IRS audit of my taxes since I refused to pay taxes on a loan I have never received. The IRS is non-compliant since XXXX. I have stacks of letters from the IRS, they send me each month saying they are looking into it. I sent letters to CitiFinancial to remove the charge-off or be sued. This is all similar to what XXXX XXXX did by using customer signatures to sign them up for products they were unaware.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

Chime Bank has closed my account for absolute no reason. 

I have banked with them for 3 years and out of nowhere received an email stating my accounts were closed. I called and was told to send an email to customer service in which I did, a rep emailed me back and said someone will follow up with me. I havent heard anything back, now i am left with no bank account and no money for no reason.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

My wallet and phone were stolen on XXXX XXXX XXXX with my Truist credit card inside. Shortly after, I saw XXXX fraudulent charges being made to my account. I immediately called Truist to have the card blocked and to file a claim for the charges. The claim was created and a new card was issued. However, the charges were allowed to post onto my account and were never reversed. Despite receiving multiple letters in the mail saying the charges would not post, they did post and a balance of over {$7000.00} was added to my card. For the past XXXX months, Truist has charged me interest on those fraud charges and required me to make minimum payments of well over {$100.00} each month despite acknowledging that these are not my charges. Eventually XXXX of the XXXX charges were reversed, but they still have not reversed the remains XXXX. 

I have tried desperately to receive help from Truist customer service to no avail. Each time I call, I constantly get mixed messages about what is happening to my account. I'm transferred to different departments and reps with no one seeming to know or want to help. I've been on the phone for nearly XXXX hours at a time trying to get this resolved. My XXXX XXXX has taken a significant hit because of it. This card had a {$0.00} balance before it was stolen and used. Now I'm being forced to pay for fraud charges.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (KY)

My property taxes were not paid on time, in XXXX. I wasnt notified by my company why they werent paid, or that they hadnt been paid. When XXXX XXXX reached out in XXXX to let me know we were delinquent, I contacted Freedom Mortgage and provided documentation that the parcel number was correct as well as an itemized bill. I was told told it would be paid in XXXX business days. Then I received a text 4 days later saying it had been resolved. I called the company, and they confirmed they paid it. Because I didnt trust them, I called XXXX XXXX to confirm. XXXX XXXX said the bill had not been paid, nor had they been contacted by anyone in the company. When I called Freedom Mortgage again, they said the resolution was a mistake and they didnt know why the check hadnt been cut or sent XXXX weeks later. Now our property tax will be sent from the sheriffs office to the clerks office, and will be available for purchase by a third party in XXXX. My money is sitting in escrow, and I just want it paid to XXXX XXXX, and Freedom Mortgage needs to pay all fees accrued as it is their responsibility and job.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (WA)

My issue is with Ally Bank - an online-only bank, so there's no XXXX XXXX XXXX to visit. On XX/XX/2024, I tried sending a XXXX payment to pay rent. They wouldn't send it and told me to call in. When I called in, I had issues with my cell phone not answering the verification call, so they couldn't authenticate me as owner of the account. After doing this multiple times ( XXXX at least ), and answering all their security questions successfully, they froze my accounts and disabled my online access. Many of the questions they asked were not security questions, but very personal, asking about family members, what XXXX I was using, and info that was not necessary to solve who I am. I was told someone in the fraud department would be contacting me within XXXX hours. I was never contacted by anyone by phone or email. I've tried calling in to the main support number and the fraud department multiple times but have never gotten any further than them telling me " the accounts are frozen. I will let the investigator know, and they will look into it. '' Even when calling the fraud line, I was never given a case # so I could check in on the progress. No timeline other than " soon '' was told to me, and I've not heard anything back. I have a savings account and checking account, and I can't access my money until this is resolved. My money is being held XXXX indefinitely. I have bills to pay and need access my money.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. 
They had said to make a certain amount of payments.. one was approx. 
{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. 
Now, after all is said and done, my account did not remain in goodstanding and my credit was affected.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AR)

I received an American Express Prepaid Business Gift Card from XXXX XXXX  XXXX  in XXXX, NJ as a winner in the XXXX XXXX XXXX XXXX XXXX XXXX. The card says on it that it has a value of {$1000.00}. I received this card around XX/XX/XXXX and put it in my lockbox, intending to treat it as savings for a later purchase. Today I decided that I was ready to use it so I went to check the balance. The card balance is {$460.00}, and several charges were made to it in the latter part of XXXX. I made none of these charges, and no one else had access to the card as I had it in a secure location. 

Initially I contacted XXXX XXXX XXXX today ( XX/XX/XXXX ) and they referred me to American Express, which I thought to be reasonable as I will explain below. I then immediately contacted American Express at the number provided on the gift card. 

I am part of a larger sweepstakes/contest community, and I have heard many complaints about the security of these American Express gift cards, so when I called American Express today , I was surprised to hear their representative tell me that the dispute process time frame is XXXX days. American Express has to know that they have a security issue with their gift cards and should have a better way to resolve these issues.
Consumer complaint received 2024-03-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I am currently on the IDR plan under PSLF. I have been tracking my payments counting down to my 120 payments. In XX/XX/XXXX when submitting my income recalculation, I also submitted bank statements from all payment made as the # of payments made are off by 4. So I requested my payments to be recalculated. As no progress had been made when I submitted for income recalculation in XX/XX/XXXX, I again submitted request for payments to be recounted as the XXXX payments listed below still are set as not qualifying. 
XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$350.00} XX/XX/XXXX for {$680.00} These are listed as non qualifying but yet were auto withdrawn from my account. 
I have spoke with employee # s listed below asking for updates. 
XX/XX/XXXX : # XXXX XXXX which said its pending review. 
XX/XX/XXXX : # XXXX XXXX. Said still needing review XX/XX/XXXX : # XXXX XXXX. Said recalculation were approved. 
XX/XX/XXXX : # XXXX XXXX. Said submitting recalculation for dated and payments listed above. 
XX/XX/XXXX : # XXXX woman said it is still pending and there is no time frame when will be completed. 
By my calculations I will hit my 120 payment XX/XX/XXXX. I am wanting to make sure that my payment are counted before my deadline or I will be making extra payments.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX/2022- {$200.00}, XXXX By the Fair Credit Act. The List Account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections State : no consumer reporting agency may make any consumer report containing any of the following items information any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-06
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. (LA)

These companies acquired my report without my permission Ive asked for the permission letter several times an no one has produced anything please help me remove these items. Under the fair credit act 15 usc 1861 they must have permission to run my credit an provide proof.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

I ask for pay off at first they said it was in bankruptcy they received 3 faxes showing it wasnt., XXXX took his a name off loan, the renters where having it taken out of their account, then on 3rd try they said it was redundant to give me payoff. They mention Texas I have spoke to 4 companies. 3 didnt know about XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Alowed mr XXXX to sign off. But Fay servicing is the one who is to give information. They are holding mortgage information, they are causing more stress than I need. My mental health is not good, neither is my health. I just want payoff so the renters can payoff and have house. Its simple but they are refusing to cooperate. There mean people.
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (MI)

LVNV never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

On XXXX, I sent someone some money from my checking account on Ally Bank XXXX through XXXX XXXX Ally Bank froze my account and froze my XXXX payments. I think they have unfrozen my XXXX since my host family has said that their payments to me are going through, but I have no way to know for sure because Ally still has my online and mobile access frozen. It is now XXXX. My account and my money has been inaccessible for 11 days. I have called Ally multiple times and they keep saying that I have to wait for a specialist to call me back, and that they can not help me. I'm not sure how I can access my money to pay bills.
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

SCRA Coverage, Service member entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Chase bank was contacted in regards to SCRA coverage for the interest rate of the credit card to be reduced from 15.99 % to the 6.00 % mandated under the SCRA. 

Phone calls were place to chase earlier in XXXX, to no resolve I sent two messages to chase via the online portal. Messages were sent on XX/XX/XXXX and XX/XX/XXXX. Both messages were received and replied to me from chase via their app. None the less after contacting them twice via the app and twice via the phone there still has been no change to the account as of XXXX. 

I contacted JAG in regards to the matter and they have directed my issue to your agency directly. I am more than willing to supply my contract of enlistment which can be verified by the Department of Defense and the earliest statement I have on the account dating back to XXXX.