davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.
Consumer complaint received 2020-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid in full the balance and closed a home equity line of credit ( HELOC ) in XX/XX/XXXX with Bank of America. Bank of America NEVER discharged the loan, leaving me with a lien on my property. This negligence on the part of Bank of America is unacceptable, as is their bureaucratic process for the consumer to try to resolve! This is severely impacting my ability to sell and close on my home which is otherwise paid in full and should be free and clear of any lien! Im closing on my home sale in XX/XX/XXXX and this is a huge issue.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I had 20 student loans with Sallie Mae in forbearance. Sallie Mae and Navient split and 10 of my loans somehow defaulted. Sallie Mae did an investigation and stated they made a mistake but I would need to send certified letter to Navient to buy back loans. Navient refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to Navient and they are unwilling to update the status to NEVER LATE. Sallie Mae " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the Navient and Sallie Mae loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if Sallie Mae hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. Navient 's devious tactics can not continue to ruin people 's lives. After I disputed Navient started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
Consumer complaint received 2020-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NH)

At this time, I have paid Navient approximately {$16000.00} from XX/XX/XXXX through the current date. I'm in good standing. My original loan was issued for {$13000.00} on XX/XX/XXXX. As XX/XX/XXXX, I still owe {$13000.00}. This company takes advantage of young adults who want to go to school, the interest rates spike so high that most payments only go towards interest. I have already paid back the original loan amount and then some. To still owe almost the same amount of money to this company as I originally borrowed 14 years ago, with long standing payments is asinine. There is a recorded call ( Navient ownership ) from XX/XX/XXXX discussing this issue. Thank you for your time reviewing this, and please let me know if I can provide any additional documentation.
Consumer complaint received 2021-03-03
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. (AL)

I SUBMITTED A DISPUTE TO ALL XXXX CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR EQUIFAX STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.
Consumer complaint received 2020-07-22
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)

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$1800.00} Date OpenedXXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (WI)

I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.
Consumer complaint received 2023-04-07
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. (MD)

I have sent XXXX, XXXX XXXX Equifax multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (CA)

XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I received my XXXX 2020 monthly mortgage statement from Suntrust and noticed 2 separate charges on my account : XX/XX/XXXX - FAX FEE - {$15.00} XX/XX/XXXX - FAX FEE - {$15.00} I called the customer service line to inquire about what these charges were for and was told that they were for faxing a payoff to someone who requested it. I am refinancing my mortgage, so I would expect that a payoff would be requested. But there is no way to justify a {$15.00} charge to send a simple fax. I can see charging a small fee, but {$15.00} each time someone calls is just exorbitant. 

In addition to that, when I asked the gentleman on the line why they would allow someone else to request something on my account that would result in a charge that I have to pay, his response was that if they have my name and address, it is Suntrust 's policy to give them whatever information they want whether or not it will result in a charge. I asked him to make a note on my account stating that they need to call me before they perform services for someone else that they will charge me for, he told me that the requester would need to call me, Suntrust would not make that call to me. So they are not even willing to give me the option of approving or denying someone else having access to place charges on my account. Seems like a simple courtesy to me - if you're going to charge me {$15.00} for a fax that someone else requests, you can't call to inform me of that and make sure that I approve? Instead, it sounds to me like the gentleman on the line is saying that it is Suntrust 's policy to let anyone request any information about my account that they want ( as long as they know my name and address ) and they'll just place a charge on my account for that request. How can that be okay?
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (VT)

My wife and I closed on a new mortgage on XX/XX/XXXX. 
Our first payment is not yet do, It is due XX/XX/XXXX. 
We have made several accelerated payments to this loan And they have not been allocated correctly. 
Two payments were made towards principle prior to the first payment being due.

Neither of these payments were allocated towards principle and after several dozen calls to KeyBank and various departments they can not rectify their mistake. They are aware of it and agree with my read on the situation. 
The first payment was allocated correctly after nearly a week but the per diem interest has not been retroactively credited. This payment was made on XX/XX/XXXX. 
The second payment made on XX/XX/XXXX has yet to be allocated correctly and the Per diem interest has not been credited either. 
This has gone on for nearly 6 weeks now. I have been told several times this would be fixed within 24 to 48 hours and no records available to me show that anything has been done. 
This will most likely be satisfied in court. 
Further, and the biggest problem, is that these malicious or negligent misallocations are a systemwide problem affecting many KeyBank customers making accelerated payments.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

Received an alert by email from turbo tax that my credit score changed referencing a late auto loan on XX/XX/18. I then checked the mailbox to see that I had received my first notification from Chase Bank dated XX/XX/18 on XX/XX/18 that my car loan was 30 days late, though it was set up on auto withdrawals. 

I Immediately contacted chase bank and was told there was a auto withdraw system purge error on thier end, that had effected numerous accounts and my account was one effected. I was told by operator XXXX that my account was two months behind not one and they needed both months payment payed in full before they could fix the issue. ( {$970.00} ) I asked about the credit reporting issue and was told it wouldnt be effected, only it already had been effected which I advised them and was dismissed on the concerns. I was assured it would be cleared up after the two months in payments was made. The two months of payments ( {$970.00} ) was made even though their own paperwork showed only one month was actually late. 

Payment was done this same day XXXX18. After the payment was made, I logged into the on line chase account and it still showed one month behind not two and in reviewing my credit report, it was greatly effected by thier auto withdraw system error some 70 points  or so. 

Why if they were aware of the system error why did they allow these accounts to still report to the credit bureaus as late? 

When will the error be fix with the credit reporting agencies and why should I be Inconvenienced when I set up my account with auto withdraw to avoid exactly what happened, not to mention being told to pay two months contrary to what was on the notice.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MO)

I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my XXXX XXXX XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Consumer complaint received 2018-07-09
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: Bread Financial Holdings, Inc. (SC)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several accounts and services that he never authorized. An application with XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX and XXXX. Official disputes of each of these were sent to the each company however a credit report reviewed today XX/XX/XXXX listed these three remaining items. These items are in violation of FCRA and should be removed.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (CA)

XXXX  My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to credit karma XXXX  I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with XXXX with the XXXX  at this time is this a comeback on me for disputing them .I feel they play games with consumers
Consumer complaint received 2020-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX19 an application was submitted at XXXX of XXXX on my behalf in error. Capital one has been notified of this error on SEVERAL OCCASIONS from myself, XXXX of XXXX AND all 3 credit bureaus yet they have failed to have the inquiry removed. This has negatively impacted my credit report and i shouldnt have to spend months of my time getting a mistake THAT I DIDNT MAKE corrected. The representatives at XXXX have been rude when I call, place me on extensive holds and disconnect calls NO ONE HAS EVEN CONSIDERED HELPING as a business THATS JUST TRASH!!! Ive sent letters as well but the fact remains XXXX has to fix the issue