davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

This is regarding CITI NRI account that was closed without my consent and funds missing. As of XX/XX/XXXX - INR  XXXX account balance. Citi had communicated tax documents to my mailing address, sent text messages when I made transactions and monthly statements to my email id. But regarding this account closure and funds, I only got an email as stated below and NO funds received to-date. 

Here is the summary of events that led this email to you all. 
XX/XX/XXXX - Regular monthly account statement. 
XX/XX/XXXX - An email stating my account is closed with no other information. I assumed it is a BOGUS email and ignored it. 
XX/XX/XXXX - An email stating a demand draft for my funds has been sent. I waited until XXXX for follow up. 
XX/XX/XXXX - Called Citi customer support who provided email id : XXXX and mentioned that all issues related to Citibank closure is actively being solved. 
XX/XX/XXXX - I sent an email and I got an automated email. 
XX/XX/XXXX - Email received asking for additional details on my account, email responded immediately. Customer support responded saying unable to determine the account and asked correct account information. Shared again. 
XX/XX/XXXX - Sent email again asking for follow up. This time response received stating - account is related to closed relationship and this time asked to send an email to " XXXX '' XX/XX/XXXX - Sent email with all the information to the new email id, no response. 
XX/XX/XXXX - Sent email again with all the information, no response.
Consumer complaint received 2023-05-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act convergent, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I called XXXX  and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION (WA)

Took out a second loan approx XX/XX/XXXX from XXXX at the time and now is under One Main Finance Account Number XXXX. 

I went to pay this loan off on XX/XX/XXXX in the amount of XXXX via an electronic payment that was accepted. on XX/XX/XXXX it showed I still owed XXXX that was then paid via electronic payment. on XX/XX/XXXX it showed I owed XXXX which I made another payment of XXXX dollars since I had deferred interest on the loan in the amount of XXXX which was payed via a phone payment on XX/XX/XXXX and taken out of my account on XX/XX/XXXX. 

As of XX/XX/XXXX they showed me owning XXXX which I paid again, and this morning it shows I still owe XXXX. 

They do not seem to be able to find the payment of XXXX ( page 2 of bank statement ) that was made and state there is a problem and they are looking into it as of this morning after talking with them. This is also what they said yesterday on XX/XX/XXXX. 

Note that this payment did show up on my account when I looked on XX/XX/XXXX and now has disappeared. 

According to my calculations they owe me the XXXX dollars that I paid on and should not owe the XXXX cents that currently show me owing.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Ive reached to experian NUMEROUS times, Ive disputed theses items on my credit report numerous times and they still have failed to provide proof that these items are mine. XXXX was unable to verify these items so they have been deleted from my credit file. Im very curious to know how Experian was able to verify these items but XXXX  wasnt, Im demanding they provide proof, I would LOVE to see it.
Consumer complaint received 2020-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

This started as a XXXX dollar loan from Sallie mae to attend school at XXXX XXXX University. The school claimed they were accredited but at that time they were not. I did not attend one day of class and asked to withdraw. I was told I would automatically be withdrawn because I didn't not attend class. Sallie mae continued this loan and placed a high interest rate to bring it up to XXXX dollars from a XXXX dollar original loan. I have called the school and they claim they have no info and navient is contacting me with rude reps. This is horrible I can not pay for something I never got and I am tired of navient contacting me.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (WI)

I saw that I had a derogatory account with AFNI INC for a  bill from XXXX XXXX XXXX reported on XX/XX/2020. I called them to dispute it, but they would not remove it from my credit report. The total amount was {$340.00}. 

I then called XXXX XXXX XXXX and got a number certifying that it has been paid. That number is XXXX.
Consumer complaint received 2020-03-19
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. (GA)

I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (SC)

Was mislead by the customer services Representative. The interest is burying me in deeper debt. Fedloan never mention the interest rate when consolidating my loans. Also also qualify for cancellation of my loans thru the Department aid Education and My loans are still occurring interesting in which I wasnt aware of When Fedloan offer me a program that will lower My monthly payments
Consumer complaint received 2024-02-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AZ)

On XX/XX/XXXX I discovered a purchase for $ XXXX to a company called XXXX XXXX XXXX XXXX XXXX XXXX It was weeks before XXXX and I was without half of my social security payment because of this fraudulent purchase. I am retired and XXXX and need every cent that I get in for social security especially before XXXX. I contacted Direct Express Payment Processing Services ( my social security money gets deposited directly onto this card ) and they said they would look into it. I received a letter early XXXX ( this month ) saying {$400.00} of the $ XXXX would be deposited back to my account while they are still investigating the fraudulent purchase. The money apparently went back into my account but they immediately took it back out because they said that XXXX XXXX ( the company that authorized the fraudulent purchase ) disputed the purchase. I XXXX XXXX have never heard of XXXX XXXX before this purchase was made and I did NOT authorize this purchase. It was weeks before XXXX and when a manager from XXXX. emailed me I didn't not trust them at the time and I did not respond back. I have XXXX XXXX due to a XXXX. I have submitted the best I can any proof or information. Thank you. XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo charged me for an insurance policy that never existed for 8 years. They would not admit this but they then returned my premiums when I discovered the mistake. They said " We are not at fault but we will return your premiums. The case was then re-opened by XXXX XXXX of Wells Fargo at her request. Once the case was re-opened the Insurance company provided 100 % proof that I never had a insurance policy. I requested that Wells Fargo forgive the remaining balance of the loan which is approx 42K. They are refusing and saying the case was closed. However recorded calls and letters in writing from them show that they decided to reopen the case on their own. New evidence was found once they re-opened the case that proves unfair business practices. Also Wells Fargo in writing has said they will not preserve and secure the recorded calls between myself and Wells Fargo. They have a legal obligation to preserve and secure all recorded conversations. The 2nd issue is on a recorded line one of their Employee 's XXXX XXXX questioned my Marital status, asked where was my wife and why have we not spoken with her. He also made accusations against me and his business practices and line of questioning was totally unacceptable and illegal
Consumer complaint received 2017-10-13
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. (NY)

This is an ongoing issue that I am having with Equifax. I am the victim of identity theft and I am disputing the hard pulls on my credit report that I did not authorized. There are 4 hard credit inquires on my credit report which I did not authorized, and these are fraudulent inquires. There are two inquires for XXXX date XXXX XXXX, XXXX, and XXXX XXXX. Also there is an inquiry for XXXX XXXX date XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. These inquiries are fraudulent, and I did not authorized these inquiries. I disputes these items with Equifax and yet Equifax failed to properly investigate these fraudulent inquiries. Just as recent as XXXX/XXXX/XXXX I disputed these inquiries that are reporting on my Equifax credit report with Equifax and I was provided a dispute number XXXX, the next day XXXX/XXXX/XXXX I received and email form Equifax stating that their investigation is complete. Now you tell me how is it that these items were investigated in less than 24 hours. Prior to that date I disputed them and its the same issue going on. Now Equifax is suppose to completely investigate these and they have not done so. I want these item properly investigated and remove from my credit report because I did not authorized these.
Consumer complaint received 2020-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Im currently in the process of attempting to refinance my current VA mortgage loan but when I spoke with XXXX, they said I had a late payment in XX/XX/2020 affecting my ability to receive favorable rates. Ive had Auto Draft setup since the inception of the loan and have never missed a payment going on five years to include multiple military XXXX XXXX. Somehow, in XX/XX/2020, the auto draft did not process, and I did not catch it until XX/XX/2020, in which I immediately paid on XX/XX/2020 both XXXX and XXXX. I have already verified that my auto draft executed for XX/XX/2020. The customer service representative for Loan Care that I worked with in XX/XX/2020 made a note in the system explaining what had happened, and additionally, had the late payment fee waived because we agreed I was not culpable for the error. Im requesting correction of the payment history as soon as possible so I can continue with the refinancing process and minimize the undue hardship of this error. I have yet to receive a resolution or correspondence from LoanCare. I've had to call multiple times to get an answer from them. They've acknowledged it was mistake on their end but have failed to correct the payment history that's negatively affecting my financial situation.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2020-03-19
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. (NC)

For about a month now I have been in contact with Equifax regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by XXXX. XXXX   and XXXX  have removed the accounts from their bureaus. Equifax has not. Equifax has removed the creditor 's name ( XXXX  ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of XXXX 's name ). They told me that XXXX had not requested that the information be removed and they would have to request that the information be removed from the report before Equifax would remove it.
Consumer complaint received 2020-03-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have been fighting with this company for years I am not the person who opened these accounts and I never signed anything for these accounts, im not sure who stole and used my information but the back refuses to help correct this
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My Name is XXXX XXXX and Im putting a complaint in on Citizens Bank In reference to refinancing my home I applied for a refinance loan XXXX and have been back and forth with the loan officers XXXX XXXX , XXXX XXXX XXXX and on XX/XX/XXXX I finally got fed up and requested to speak with a supervisor which her name is XXXX XXXX . For months I have goin back and forth with XXXX XXXX once I wasnt able to talk with XXXX XXXX, She has done horribly with communicating with me and never comply with me unless weeks go pass and I would have to call her and see what are status was with closing. It has been a numerous of times she has made me think we were going to close and nothing When I say we meaning myself and my husband.Anytime she was off of work no one has called or contacted me or my husband shouldnt it be someone in place so every time she was off that hurt us badly because it would put us at the beginning of the loan we would have to submit paperwork over again bank statements, award letter from social security office, she would just pull my husbands statements because he is a citizens customer my statements. We have had 3 appraisal which she stated to me that they were outdated which who would be at fault for that not me because we are waiting on her to contact us back never a response only sometimes. I have emails of the months and times of some of our communication. This is so unfair to us as customers and when I called her today both XXXX and XXXX no response XXXX responded to my email but when I called her to tell her I didnt understand and what Im I to do she never contacted me. I feel discriminated against and I have felt this way for a while is this the way customers are treated I really dont understand. Two appraisal came in at XXXX dollars and now XX/XX/XXXX which is the third appraisal they have us XXXX XXXX did not do her job as a loan officer Things are suppose to be explained so the customer understands everything we have been hanging on a string the whole time. She pulled my bank statements back in XXXX without my permission at XXXX XXXX  not sure if the bank submitted them to her or not because that illegal I want answers and we spent funds and supposedly the work that was done that was requested by the underwriter were approved that we completed them and I thought that means we move on to the next thing no we kept being pushed back to the beginning of the loan. We never move forward and when we thought we were closing It never happened We are out of funds that we saved up held on to closing money and rearranged our lives for this refinance. This was the worse refinance and frustrating cause felt like we have been in it alone, Hopefully someone can help us and make us want to continue as customers here. Thankyou for your time.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After my identity was stolen and compromised I'm now left with hard inquiries reporting kn my credit files inwhich i have absolutely any knowledge of, therefore I'm demanding that these unauthorized inquiries be removed. 

1 ) All ( 29 hard inquiries ) on Transunion.

2 ) All ( 24 hard inquiries ) on XXXX  3 ) All hard inquiries on XXXX
Consumer complaint received 2020-03-19
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-03-19
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2023-05-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 2020-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (UT)

This is in reference to allegations put forth from sears Wednesday, XX/XX/XXXX XXXX XXXX 1. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. Sears never sent notice that this was what was happening.

5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.