davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : Experian : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX., XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXXDelete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I've been having this problem with Equifax for a while now,, I disputed the bankruptcy that's showing inaccurate information on my Credit report. I disputed the bankruptcy in XXXX and they replied back it was verified and accurate on XX/XX/XXXX XXXX on XX/XX/2018 I asked the US Bankruptcy court by writing do they verify or send information to the credit Bureaus. The US Bankruptcy court replied back to me in writing saying that they do not provide any information to the credit bureau.. I have a copy of that letter from the clerk Enclosed. on XX/XX/2018 a security freeze was in effect on me with XXXX I have a copy of the freeze from XXXX XXXX. On XX/XX/2018 A security freeze was in effect with XXXX.. I have a copy of the freeze confirmation from XXXX. In XX/XX/2018 I sent a certified letter to Equifax to reinvestigate the inaccurate Bankruptcy on my credit report ... They replied back saying it was verified in XXXX. They are reporting inaccurate information because the US Bankruptcy do not report any information to the credit bureau. I have freeze on my credit file so how are they getting the verification.. They are reporting inaccurate information. They are reporting misleading information they are reporting information that is not valid. I then filed a complaint with the CFPB on XXXX for them to investigate why Equifax is not reporting 100 % accurate information. Also As you can see from the XX/XX/2018 report from Equifax ( XXXX ) they have the address listed as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) But on the XX/XX/XXXX report ( XXXX ) the address is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..The information is not accurate from the previous report, .. on XX/XX/2018 I submitted a complaint on this same issue with Equifax and they responded back saying they need authorization from me to proceed with my complaint,,, I called the CFPB to see what was that about and said Equifax need me to send in my Drivers license .and copy of my social security card,,, I called the Equifax global to see what was the issue and I advised them of my complaint and advised them that they already have pictures of my ID and my Social Security Card in file AND A COPY OF A BILL IN MY NAME SO WHY THEY NEED AUTHORZTION TO respond to my complaint. They are not trying to respond to my complaint because they know they are not reporting 100 % information on this issue and they are trying to get out of responding to my complaint. This is not right ... my consumer rights ' are being violated
Consumer complaint received 2022-07-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (PA)

Sallie Mae personal loan has been raising my student loans I been paying them off since I got to college XX/XX/2021, I currently couldnt afford college no more and had to drop out, I had emailed sallie Mae twice stating I couldnt afford the payments right now, I have too many bills and sallie Mae is affecting my credit,
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (GA)

The two companies are Acima Credit and XXXX, they were removed from my credit reports and appeared back without my notice from the Credit Bureaus which is against the law according to my consumer FCRA Laws. Please have these two accounts removed ASAP!
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (PA)

An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}. 

The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.
Consumer complaint received 2018-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I received an email stating that there is a law suit with XXXX XXXX. I am currently enrolled with them as they promised my payments with them would be reduced and it would go towards my loan. However, the law suit is stating otherwise. All the money i have put towards XXXX could potentially being going to the way side. I have been enrolled with them for a year or more.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (PA)

Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original loan XX/XX/XXXX {$650000.00} with Hudson City Savings Bank at a fixed rate of 5.375 % for 30 years Sometime in XX/XX/XXXXHudson City Savings Bank was merged with M & T Bank. During the entire loan time we made mortgage payment on time every month. During the next few years M & T Bank indicated that some months we were short on payment and we sent in additional payment to cover without asking why. In XX/XX/XXXXwe changed insurance providers for the coverage of the house and the bank and insurance company didnt communicate and we got charged additional fees {$500.00} per month for several months. Once we provided proof of insurance without any gap in the policy they only gave us partial credit for the insurance and still demand us to pay the balance for the insurance. The insurance for the home is paid directly by us. In XX/XX/XXXX we received a invoice indicating that we owed {$19000.00} M & T bank. This was a complete shock to us and we started to see look into what is going on. Well the first thing we see is that the bank changed the rate from 5.375 % to 6.375 %. We immediately contacted the bank and all we got is run around between transferring us from one person to another person. We gave up and went to local branch to see a someone in the branch to help us. We got similar run around indicating we need to schedule an appointment with an agent to see if they can help us. 

Hudson City Savings Bank XXXX Account XXXX XXXX M & T loan account # XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CA)

This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX  card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I opened an account online with Citibank on XX/XX/2018 after the account was approved the same day they gave me my account and routing number so I changed my direct deposit with my employer. The day before I was to be paid which was XX/XX/2018 I received a letter from Citibank stating that they would be closing my account in 10 business days. I called Citibank and asked why the account was being closed they indicated that they didn't know but it was being closed by the fraud unit. I repeatedly asked to speak with someone who could provide me with more details as I had contacted my employer and been informed that the funds sent to Citi by my employer could not be reversed and Citibank would have to release them to me. I asked every representative that I have spoken with since the XX/XX/XXXX if they could advise on how I could get my funds as the account would not be closed for 10 business days, I was repeatedly told by Citi 's employees that a check would be mailed but nobody had an exact date. I was first told on the 10th business day, then it was 5-7 days, then 30 now as of today at XXXX CST they are stating it could take up to 90 days. I informed them that I am the only person in my home who is employed and that myself, wife and XXXX kids need these funds. I have been instructed to go into a branch but there are no branches in my state. I simply would like my funds to given to me and it shouldn't take 90 days as the Expedited Funds Act of 1987 prohibits banks from holding funds on new accounts past 90 days. I am extremely disappointed that no mater how many times I call I am told that the person I am speaking with doesn't handle this matter and that the department that does, does not have a phone number where they can be reached. I have also been hung up on by 3 representatives from Citibank. Most recently about 7 minutes ago which would've been XXXX This is ridiculous, how am I to resolve this matter if no one I've spoken with handles the matter and the department that does, doesn't have a phone internally or externally where they can be reached? I have spoken with Customer Service, New Accounts, New Accounts Fraud, Fraud, Loss prevention and customer relations and no has helped or provided me with concrete information.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On the consumer credit report I received in the mail issued on XX/XX/24 there has been an XXXX XXXX individual revolving credit card account that has been reporting for 87 months which I have not been able to verify any evidence of through the XXXX XXXX customer service department and the XXXX XXXX Credit Bureau Department. There are also 16 digits in the account number which is obvious unverified inaccurate information because XXXX only uses 15-digit account numbers.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX My accounts with XXXX have been closed and paid in full as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with XXXX. I have numerous letters from XXXX stating this fact. 

I have had over a dozen phone conversations with XXXX regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a XXXX balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from XXXX ( for the second month in a row ) stating that I am 90 days late with four missed payments and very high balances on both XXXX accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. 

I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both XXXX  accounts are closed and XXXX  out.
Consumer complaint received 2022-07-08
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. (TX)

On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Experian ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I have been paying on time until XX/XX/XXXX. I missed XX/XX/XXXX payment due to sickness. 
I called CHASE to wave the fee this time, but they didn't listen. Next month payment increased from {$29.00} to {$85.00} that is way too much for me to pay since I lost job since XXXX. 

I called them to wave the fee and interest and lower the minimum payment to {$29.00} but they didn't listen. 

CHASE emailed me to recover program to take the class online. If I finish I will get {$60.00} credit but they didn't. Now my payment went up to {$140.00}. 

I sent a letter, they didn't write me back. When I call them same conversation over and over again. They waste my time. 

Now my balance went up from {$980.00} to {$1300.00}. 

PLEASE HELP
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 ( Equifax ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-02-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased a XXXX XXXX XXXX from XXXX  XXXX XXXX on XXXX/XXXX/2019. I paid {$7000.00} cash, traded vehical for {$3200.00}, and financed {$25000.00} through the dealership / XXXX XXXX XXXX. In XXXX 2019 I received a title in the mail with 2 liens listed. The bank i financed from and bank of America. I went back to dealership  and they said they would take care of it and check with DMV in 2-4 weeks. I contacted DMV for several months waiting for an update and they stated they have no received a lien release. I contacted the dealership again and was advise they are no longer in business. I tried contacting Bank of America, XXXX XXXX, DMV, District Attorney, State District Attorney, XXXX, etc and have been unable to resolve this. I'm not sure how the car was registered to me without a lien release. All my paperwork states XXXX XXXX is the sole lien holder when I purchased this. I don't understand how the dealership could sell the car without paying the lien off and taking my cash and XXXX XXXX check and close down leaving this unresolved. I'm not sure who the other lien holder is. XXXX XXXX should be the only lien holder and has collateral on the vehicle. I need this resolved ASAP. I looked into similar situations and it appears the owners are scamming people and just continue to open and close dealerships leaving situations like mine unresolved. This is fraud.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IL)

XXXX and chase are the instructions involved. There was a purchase to XXXX for a specialized strength workout magazine. The item was to arrive in a booklet format and digital. Only the digital version was made available the physical copy never arrived. 

Reported to chase on XX/XX/XXXX Chase denied the claim XX/XX/XXXX Chase claim number XXXX
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

I requested the private mortgage insurance be removed since I am now at less than 80 % loan to value based on the original appraisal at the time the loan was refinanced. 

I was sent a letter that I can't have the pmi removed until I obtain a new appraisal or the loan reaches a loan to value of 75 % The letter I was sent regarding the removal of pmi was different than the terms I was sent from the original lender indicating I would have it automatically removed at 78 % The loan is a 15 year fixed and would be at 78 % based on a normal amortization period in 4-5 additional months which is the same as paying for a new appraisal from their vendor The loan was closed in 2016 and they didn't indicated I was now subject to the Homeowner 's Protection Act of 1998
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

New information- on this case was found!!!

3 Checks were deposited into a Bank of America single holder account- owner XXXX XXXX Acct XXXX bank XXXX on XX/XX/2016.

the amounts are {$45000.00}, {$11000.00}, {$40000.00}.

The chesks were made out to XXXX XXXX XXXX XXXX JT TEN Joint Tenants is what JT TEN is. Which means if the check is being deposited into an account owned by both payees and they have equal access to the account then no endorsement is require.

HOWEVER, one of the payees is trying to deposit into his/her own personal account then both signatures would be required.

Also Bank of Americas response contradicts what happened. Their policy is if a check is written out to multiple payees separated by a slash, hyphen or comma or in stacked form ( names printed as a listor on same line WITHOUT and words or punctuation ) Which the checks that have my name have words- JT TEN!

see attached