davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
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. (CA)

I sent this company my dispute letter on XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2019-01-04
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: JPMORGAN CHASE & CO. (NV)

I was sent an email from my XXXX Chase bank credit card on XX/XX/XXXX that stated I had a balance of XXXX points and I needed to spend XXXX points by XX/XX/XXXX in order to earn a XXXX companion pass. I quickly spent an additional {$21000.00} dollars to achieve this companion pass goal. when my points did not reset online I called XXXX to inquire about my pass at which time I was told that those points spent after XX/XX/XXXX do not qualify even though I was sent an email stating I was almost there and could reach my companion pass goal if I spent this additional required amount of money prior to XX/XX/XXXX. XXXX is claiming they have no control over what date the billing date resets and that even thought their email stated otherwise the billing date was expired prior to this email being sent to me. I was persuaded in an email that I have I. writing to spend a large sum of money and then denied the promised companion pass. This is absolute fraud.
Consumer complaint received 2019-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MO)

I bought my home during the XXXX security breach and lost my identity theives took over my bank account and caused me to miss my mortgage payments i filed a loss mitigation package and while going through the mitigation process my lending was dual tracking my mortgage and continued with the foreclosure process
Consumer complaint received 2019-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XX/XX/2016 someone proclaiming to be an attorney representing a firm XXXX XXXX with assisting me with a modification of of mortgage loan with Pennymac mortgage company. Charged me a monthly fee of {$800.00} for 2yrs then sold my mortgage to XXXX XXXX XXXX. Which during all this time my mortgage became chronically delinquent. Forced me into foreclosure. Now i have no home and the wrote me letter stating that they could no longer assist me and that I need to work my mortgage servicer on my own. I requiring restitution of my funds from company i sighned a contract, or the person representing the company,
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OR)

I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.
Consumer complaint received 2019-01-04
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. (AL)

On XX/XX/XXXX, I sent a notarized dispute letter to Equifax by certified mail. The dispute was stamped received XX/XX/XXXX. I received the dispute results XX/XX/XXXX. The envelope from Equifax states that they mailed the results on XX/XX/XXXX. 

I disputed 21 accounts. Upon receiving my results, I noted that within the 30 day time frame, there was an account named XXXX XXXX XXXX ( Account number # XXXX ) that information was not reported back to Equifax resulting in a deletion. I have contacted Equifax several times on XX/XX/XXXX and XX/XX/XXXX about the deletion, however they would not delete. The rules states that within 30 days I should be notified of results and if not so, then they must delete. 

Included in this complaint are the tracking information, receipt where I had the letter notarized, a copy of the letter, and the results from Equifax. 

Thank you so kindly for assisting me in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-05
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. (IL)

I have written to XXXX XXXX, Equifax and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Ive mailed multiple requests including my social security card and Drivers License, one was mailed XXXX certified mail, the second was mailed XXXX certified mail, I also called Equifax 12 times, they are unable to verify me over the phone and each time they tell me resubmit my documents so that I am able to place a freeze on my report. 
My credit report has over 20 inquiries because someone is trying to obtain credit in my name. As a consumer this does not help me and I send my information all over the place which is dangerous
Consumer complaint received 2022-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TX)

Unresolved Private Loan Complaint. I am trying to communicate with SallieMae about struggling to make payments and they offer no options besides to continue paying. They constantly harass my co-signer and even when I continue to make the minimum payment. I am close to defaulting and they refuse to help. However, I still make the monthly payment except it is considered late because I have a balance I can not fully cover. It is affecting my credit score and causing a lot is a lot of stress even when I still try making the monthly payment. My first issue is I originally had applied for this loan online but because there was an error I made I contacted support and they assisted me to cancel and reapply over the phone. Though I do not recall ever agreeing to the current plan I am on which is in-school interest payments plan. Therefore I had requested multiple times for them to go back to this call and reassure me that it is what I had agreed to. They never get back to me with this information and only ask me to keep paying. They provide the worst service even as a full-time student where they dont really help. They tell me I am making the minimum payment required yet the current payment plan I am on is the same as the original plan I am told I had signed up for. So I am not sure how this helps in any way. I have asked them if they could change it to forbearance but they say once I agree to terms I can not make changes. Feels like a trap to me when signing up with them. Another issue is the school Itself to where I used to pay these loans toward to. I am no longer in that school as it left me without a choice along with this massive debt that I feel seems fraudulent and also in the process of looking to file a complaint. This also prevents me from getting the potential financial help for my current school. But most importantly as of now I need this issue with SallieMae to be finally resolved. Please feel free to contact me at ( XXXX ) XXXX or email XXXX. 
Thank you.
Consumer complaint received 2019-07-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

on my equifax report i have an item in collection from XXXX XXXX XXXX XXXX for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with equifax numerous times and they keep stating the item was verified by XXXXXXXX XXXX i disputed this item again in XXXX and received the results today XX/XX/2019 from equifax and again they stated XXXXXXXX XXXX  verified this information is correct by me contacting equifax by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation XXXX XXXX   supplied equifax to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did equifax verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how equifax verified the account with XXXXXXXX XXXX or who i could contact to get a copy of the information ( original signed contract ) XXXX XXXX sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OH)

I scanned a check for {$5500.00} into my Ally Bank XXXX Account on XX/XX/XXXX before XXXX thinking my money would be available in my account that day because that is what is clearly stated on their website and in the app. I did not see anything in my account so I waited until Monday  to reach out to Ally Bank to ask about the status of my funds, they then told me I would not see the funds until Friday XX/XX/XXXX - 7 days after I scanned my check via the Ally Bank App. The ONLY reason I scanned that check into Ally Bank is because it clearly stated my money would be in the account same day. I needed my money in that account because I have XXXX dollars until I get paid on Friday XX/XX/XXXX and I can not currently liquidate my $ XXXX investment account I have with them. So now I have no money, I just over drafted again, and I no longer need that check in my account to cover because I get paid that same Friday XX/XX/XXXX. I only needed that check in my account to cover for this week XX/XX/XXXX - XX/XX/XXXX. I have tried to get them to release my funds numerous times but they just keep telling me there is nothing they can do about it. How is it legal for a bank to hold up MY FUNDS for that long when I absolutely need the money?
Consumer complaint received 2019-01-04
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. (CA)

I sent this company my dispute letter on XX/XX/XXXX with a detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them to run a smooth investigation on this matter : But to my surprise, this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2022-08-27
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: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-14
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)

To whom it may concern : written you three time already about accounts in my credit that do not belong to me, you have refused to remove from my credit. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa XXXX that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (TX)

Please note that I have made 2 attempts to resolve this issue. Experian is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XXXX Transunion has been charging me a monthly subscription fee for a subscription I never agreed to. I never signed up for the paid Transunion in the first place - only a free trial. I understand Transunion was fined recently because of a misleading free trial. I would like all the money back that Transunion took from me.
Consumer complaint received 2020-02-05
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. (NY)

I reviewed my credit report and realized I have 4 unauthorized credit inquiries. XXXX  has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to Transunion and XXXX  and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.
Consumer complaint received 2021-01-27
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. (WV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.