davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AR)

I had a vehicle financed through XXXX paid the vehicle off XX/XX/21 before the contract was up. On my credit report it is showing the loan was charged off under XXXX states the account is showing paid by consumer and not charged off. I have disputed the error but it still remains the same
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

I have an XXXX XXXX XXXX XXXX XXXX XXXX. According to the card benefits I am protected up to {$5000.00} for trip interruption benefits. I filed a claim for a trip that was cancelled due to weather on XX/XX/2018. I have spent countless hours on hold and on the phone with the company only to get the run around. They have denied my claim without reason, or their reasons are inaccurate. 
I was stuck on the tarmac for 3.5 hours and miss my connecting flight and missed the cruise in XXXX. According to my card benefits, I am covered for the cost of the trip, however they are denying my claim without reason ( or the reasons make NO SENSE ) They give me phone numbers that aren't even in XXXX to call. I have spent the past 2 months working on this and the last call was 58 minutes long before I had to hang up while on hold waiting for someone. 
My entire trip was cancelled because of weather. I have an email from XXXX XXXX, which I sent to the credit card company, confirming that the flights were cancelled due to weather. 
They are a fraudulent company offering things that they won't delver on. 
I am don't know what further actions to take besides reporting them. 
Please help.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IN)

Hello, my name is XXXX XXXX, i purchased a cashiers check on XX/XX/2015 from my bank ( chase ), through my checking account. The cashiers check is valid for 7 years, however I went to chase bank today to cash my cashiers check, only to be told that my check is not valid and it could not be cashed. They instructed me to contact Indiana Unclaimed Property Division, which I have done and currently waiting on a response. I have the actual check in my possession. I would greatly appreciate it if someone can contact me regarding this matter. I can be reached a XXXX.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life.
Consumer complaint received 2022-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Hello, I have inquired on several occassions to Freedom Mortgage about removing the PMI from my loan based on the amount of equity in my home. Most recently the young lady I spoke with stated I was unable to do so as the laws had changed. The last person I spoke with, a gentleman, went even further after I explained to him that when I bought my home I was advised I could have the PMI removed once I accumulated a certain amount of equity or 11 years whichever came first, he stated the law changed the year before I bought my home stating that you had to remain in the home for 11 years. 

I have also made an email inquiry regarding removing the PMI.
Consumer complaint received 2019-01-09
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)

The reason for my writing this complaint, is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : EXPERIAN XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX, Inquiry Date XX/XX/2018 XXXX   XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2018 XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Complaint mirrors # XXXX ( for checking account ). Replied to their offer mailed to me. Follow conditions on card and receive {$700.00}. Open both checking and savings accounts, comply with their conditions and receive {$700.00}. I did so, completely. They would not do so.
Consumer complaint received 2018-09-14
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. (DC)

I am again requesting that Experian comply with the FCRA and provide the requested information which I requested on XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested : " description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, telephone number of any furnisher of information contacted in connection and documentation used to verify the dispute with this re-investigation '' As you can see from the attached dispute results, none of the information requested has been furnished on any of the investigations FCRA, Section 611, paragraph ( 6 ) ( B ) specifically states : ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian required to conduct investigations of disputed items with the furnisher of information and as such should be able to provide me withe the information per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

I am requesting ALL of the information.
Consumer complaint received 2018-09-14
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Fedloan Help (NY)

I XXXX XXXX loan forgiveness and found the site : www.federal-help.org ( NSLfC ) I left my name and number as well as debt amount and they called me back with an estimate for a rate reduction plan through their consolidation company. The perfect salesman ( XXXX ) got me to give him my XXXX ID, social security, address, electronic signature, other personal information as well as my debit card in which he used to charge {$290.00} for a processing fee. I immediately felt there was a problem and called my bank to cancel my account. Then I called XXXX back to be refunded. He never followed up with confirmation. Then I called my credit card company ( XXXX ) to be sure I would not be scammed again and I was transferred to XXXX XXXX XXXX which turned out to be another scammer who got me to pay another fee of XXXX to clean up my credit. I again felt this was a scam and had to call back my bank to cancel my credit card. Since then I have froze my accounts and change my passwords and tried to do as much preventive action I could take. I called back XXXX today politely asked for confirmation of my refund and he told me he could not do it but that the fee would go towards my plan if I continued to use their company and they promised they wouldn charge me the XXXX at the end of the month but fear they will try and fail.
Consumer complaint received 2023-03-17
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX  Account number XXXX Account Ending In : XXXX Account Name XXXX XXXX XXXX XXXX  Account numberXXXX  account ending in : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account ending inXXXX Account Name : XXXX XXXX XXXX Account numberXXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account numberXXXX 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 2021-12-29
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. (FL)

i have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have been a paying Membership fees with Experian since XX/XX/2018 and I get charged {$21.00} per month for the ( Experian XXXX XXXX  ) that includes. Up to {$1.00} million Identity theft insurance, Deicated Fraud Resolution support, Experian XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Identity Protection and Alerts and 2 others. Well I have called many times to get help with my Identity theft issue and call after call after call I get sir I am so sorry to hear that and been told over and over that they was going to look into it and talk to one of there team members and would call me back and nothing so they take my money and give me nothing that is on the premium I get charged since 2018 but I really need help I cant receive services I pay for and that is THEFT OF SERVICES the only thing that worked was XXXX and the day I put the freeze on my credit and filed Identity Theft with Experian and I told the guy on the phone my bank and credit cards was about to not work becauae I would be issued new accounts and cards and I asked over and over I am payed up right and he says that since I was a Premium member and filed Identity theft my credit and membership would be active and once I received my new cards to call experian and see if any update was done, I said ok and guess what today I get email that says experian unlocked my credit and I got hit for XXXX points and a new bank account was opened in my name and SSN. So EXPERIAN IS A SCAM AND I RECEIVED THEFT OF SERVICES FROM THEM. I am not very happy and I want ALL my money back since XX/XX/2018 if I can not get this fixed here I will get a attorney and file Theft of Services this is not right if I did this I would be in Jail for theXXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc (MI)

I RESPONDED ON XX/XX/2021. TATA & KIRKLIN ASSOCIATES , INC. I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. I DO NOT OWE XXXX XXXX XXXX XXXX  OR ANYONE ASSOCIATED WITH THIS ACCOUNT.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

On Thursday, XX/XX/2020 I relied on false and misleading information from a website maintained by Synchrony XXXX to my detriment. 
I had the need to hire a plumber and wanted to use my Synchrony XXXX card to pay. Aware that merchants need to be part of the XXXX network or they can not be paid from the card, I called the number on the back of my card, ( Monday, XX/XX/2020 ). I was referred to the Synchrony XXXX vendor list and I found a merchant on that list. Relying on the information provided by Synchrony XXXX from the website maintained by Synchrony XXXX, I hired the merchant. 

When it came time to pay, the card would not go through. I checked and received a multitude of different explanations. After 6 hours spent with Synchrony employees involved finger pointing towards myself and the merchant and denial of his status as a XXXX merchant, I took a screen shot of the Synchrony XXXX site. Three days later, the site still posted him as a XXXX merchant. The site listed the merchant under Synchrony XXXX XXXX XXXX furnishings. Due to false information provided to me by Synchrony Bank through a website maintained in the regular course of their business, I need to scramble to gather {$3000.00} during COVID. An amount I budgeted for by 6 months payments to the XXXX card.
Consumer complaint received 2023-03-17
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

OK, I've handed the complaint on the Bank of America side, as they are removing the status on their side in a few days. But, they stated to get in contact with XXXX XXXX XXXX XXXX of this matter, as the loan originated from their side, as it is XXXX account number. This issue is showing on ALL my credit reports ... 
Acct # XXXX, BK of America, XXXX XXXX XXXX, XXXX, FL XXXX XXXX I am working with a lady named : XXXX XXXX XXXX, Ext : XXXX She stated this is a XXXX  XXXX XXXX XXXX account number and they are reporting it wrong, as she confirmed on her side. And she stated, not only are they reporting it at the wrong amount, they have NOT removed it on your credit report ... because the account was transferred from XXXX to Bank of America, so they should not be even reporting it. ON all my credit reports, they are listing the loan at {$24000.00}, XXXX, and on XXXX they are reporting it as XXXX. So, there are almost three different prices, under the same account number, so their is something seriously wrong. And I take this highly offensive as it is hurting my life as in housing and normal life situations that someone needs a loan. 
This is detrimental to my life. I want it removed, the entire account that they are falsely reporting. 
They should not be ( 1 ) reporting it under their account number ( 2 ) they are listing it at, up to, three different prices ( 3 ) they are illegally reporting such account on my credit reports - all three no less.

( 4 ) they must remove it immediately off of my credit report.
Consumer complaint received 2023-03-17
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. (SC)

When I reinvestigated my credit report in XXXX XXXX I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NY)

I have had problems with this lender ( Discover ) for a long time now. They are not the original lender that I applied with, they acquired my loan by taking over XXXX. I have communicated with them several times about my financial situation and they disregard it. I have not been having steady for a while and have been placed on deferment plans prior.

It takes me time to make the payments, sometimes a little over a week after the due date. They call constantly and as of these past few months have gotten worse. These past two days alone ( XX/XX/22 & XX/XX/22 ), they have called seven times. I always let them know when I make a payment, that I will call in for the following month payment yet they consistently do this.