davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I used Citibank mobile app to transfer {$300.00} from my checking account to my credit card account. After I tried to complete the transaction the system said they were having technical issues and to try again. After 2 attempts I checked and all 3 went thru. I immediately called the bank and they told me I could get the money transferred back in 5 business days after it posts. Their mobile app is a joke. You can't cancel future transfers or reverse their errors. This is the 2nd time this has happened to me.
Consumer complaint received 2022-10-15
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. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (SC)

I have made repeated requests to have the PMI from my mortgage be removed and it has not. My Mortgage is through Freedom Mortgage and they have given me information that I do n't believe is correct - such as a loan under two years old ca n't have the PMI removed and loans that are 2-5 years old have to have a 75 % LTV amount ( I am at 71.5 % LTV ). I have spoken to numerous people during this process yet my most recent request submitted in XXXX has not been responded to. I have however received numerous unsolicited phone calls from them asking if I want to refinance my loan. I have no desire to refinance my loan with a company that wo n't communicate with me regarding inquiries I have submitted. 
During XXXX of the unsolicited phone calls from them I was actually yelled at by the manager telling me I was crazy for not refinancing and that he had no idea why I where I was 'coming up with my LTV . ' His name was XXXX XXXX I emailed Freedom Mortgage after that call on XXXX XXXX and also never heard back from them with my complaint on how he treated me. I used the appraising company that Freedom Mortgage said I had to use, my house appraised for {$400000.00} and my current loan balance ( As of my XXXX XXXX statement ) on my conventional loan is {$280000.00} giving me a LTV of 71.5 %. 
I have NO Idea why they wo n't remove the PMI when I have followed the steps I had to follow to remove the PMI.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX  and Experian are reporting an incorrect coding of the XXXX   XXXX  XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an XXXX. ( Please see pages 18,  19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BTH Management (TN)

I XXXX XXXX DIDNT EVEN APPLY FOR A LOAN SOMEONE ELSE DID AND THIS IS NOT MINE. I HAVE TRIED TO CONTACT THEM EVEN DID A CREDIT DISPUTE AND THEY HAVE NOT EVEN VERIFIED THE ACCOUNT OR SENT ME ANYTHING LIKE I REQUESTED FOR THEM TO DO. I DONT KNOW WHO DID IT BUT ITS NO MINE AND I WOULD LIKE IT TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY. 

THANKS XXXX XXXX
Consumer complaint received 2020-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I reached out to XXXX  XXXX. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90,  should it not reflect this amount based on the Fair credit reporting act?
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received email from Capital one on XX/XX/XXXX that I can get 0 % promotional APR on purchases till XX/XX/XXXX. I accepted the offer. Now Capital one charged interest and saying I didn't accept the offer. Capital one does this to other customer as well. One of my friend also report this. They tweak their system so acceptance is offer is null after some time. They don't let customer know about transaction as well.
Consumer complaint received 2020-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

I lost my job in XXXX and i did the best i could to keep making payments but i ran out of savings, 401k and income tax and i called to ask if they would close my account so i would keep puling up the interest so i could repay them back and they said NO, that it wasnt fair to " all the other borrowers '' which i asked them if all they other borrowers had lost their jobs and was over 60 years old having a hard time finding another job. I have tried paying what i can and they csll me all day long on different numbets but will not work with me.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at XXXX I contacted Chase to report my card stolen. It was a bit unusual as the entire system is automated for a lost card. I navigated through the system, confirmed the last charges on the card were accurate and then was told replacement cards would be sent out via mail and I should receive them in a few days. The number I used to contact Chase was XXXX XXXX XXXX XXXX. I went out of town last week and returned yesterday. Unfortunately the new cards had not been sent. Upon calling Chase this morning I found out that they had not cancelled the account and had no record of my call to the automated system. I requested that this should be looked into further as the system appears to not have worked, leaving myself and my credit score unprotected for 13 days. I'm not expecting payment, just the assurance that the bank is actually protecting my information and credit with due diligence.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an M1. ( Please see pages 18, 19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

This is related to Complaint XXXX, which I closed because Pay Pal Credit ( Synchony Bank ) promised to rectify the problem but failed to do so. 

The fraudulent account they opened in my name without my knowledge or consent is still open with a fraudulent balance they are billing me for.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Avant Credit Corporation (RI)

Avan credit card I ipplied was denied right on the spot I have other credit cards XXXX   XXXX XXXX  XXXX XXXX XXXX and avant- just denied me their service for not reason
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I fully expected to receive a heavily advertised {$250.00} sign-up bonus from American Express when I signed up for their blue cash preferred credit card. I never received it. American Express has explained that because I canceled other credit cards that I was not entitled to the bonus, and importantly, that this was communicated to me through a pop-up window. I do not recall ever seeing this pop-up window. And as we are all aware, pop-up windows are often advertisements so I may or may not have clicked that window closed without knowing what it said. The application page itself did not clearly state anywhere that I would forfeit the sign-up bonus, hence my expectation in signing up for their card, and in being charged {$95.00} upon receiving the card, was that I would receive that bonus. Please investigate American Express for ambiguous promotions for their products. At worst, this has/is happening to many other people, as American Express seems to have non-transparent points calculation and sign-up bonus practices that lead me to question their ethics. Thank you for your consideration.
Consumer complaint received 2020-02-23
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: ERC (NV)

Enhanced Recovery Services is engaging in illegal re-aging practices by re-opening an old account from over 4 years ago. This company also refused to provide documentation showing the accuracy of the open account dates. This illegal act has caused my credit to drop tremendously.
Consumer complaint received 2020-02-23
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. (HI)

Experian ( XXXX ) XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX/XXXX XXXX XX/XX/XXXX. XXXX   XX/XX/XXXX. I have called many times to dispute
Consumer complaint received 2020-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

When I restarted school this semester, I submitted an in school deferment. I started receiving emails after the loan was 30 days late. I again submitted a deferment as instructed by their form. My loan is currently showing as over 60 days late as my deferment has not been processed still. I have a history of being unable to reach anyone at Navient because of excessive hold times when placing calls.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery is attempting to collect {$1200.00} from me regarding a workers compensation claim that occurred in 2012. They have reported this debt to all three credit bureaus and this is not correct. I incurred the medical expenses as a result of a work injury, the hospital refused my insurance information due to the nature of my accident. My employer at the time XXXX XXXX XXXX  XXXX XXXX  of XXXX, TX has since gone out of business without handling the medical bills in relation to my work injury while working with them. I have not received any notification of this bill prior to receiving a threatening phone call from Nationwide Recovery demanding payment. These expenses were incurred nearly 8 years ago and no attempts have been made this entire time to collect from me so I thought it was resolved by my employer as it should be. I dont have any documentation regarding this claim as I have never received any documentation from this company and I dont have hospital bills or records from 8 years ago. I am not liable for this debt, my old employer is responsible.
Consumer complaint received 2020-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated o
n XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA,

Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pu
rsue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2020-02-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2019-05-02
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: Clarity Services (MA)

Clarity Services XXXX XXXX XXXX XXXX FL XXXX phone number XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can XXXX. I have never heard y XXXX XXXX and never did business with them ever. I don't even know what type of business they are.
Consumer complaint received 2016-07-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CA)

After closing my mortgage loan on XXXX XXXX, 2016, I found a payment of {$1800.00} was charge by XXXX XXXX XXXX XXXX 's XXXX Card account on XX/XX/XXXX. In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair. I called XXXX XXXX XXXX three times and they stated that they has not received payment from the title company. 
On XXXX XXXX, 2016 I emailed XXXX XXXX XXXX, Assistant Vice President of Sales, Freedom Mortgage Corporation XXXX ID : XXXX and XXXX XXXX XXXX, Senior Loan Processor the following : " In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair, however in checking XXXX XXXX Card account on XX/XX/XXXX a payment of {$1800.00} was charge by XXXX XXXX XXXX. Am I correct in my assumption of a double payment for termite repair and we are due refund, if not possible please clarify. '' XXXX XXXX and XXXX XXXX assured me that they would research matter. After many follow-up emails and phone calls over the past 4 and a half months, I have n't received any resolution.
Consumer complaint received 2016-01-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.