davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (VA)

On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Money Management International, Inc. (MI)

Started doing business with MMI in XX/XX/XXXX as a debt management program. They told me that my creditors agreed to stop reporting late payments to credit bureaus and that was false. Creditors were still reporting as late. I called and requested a refund for the monthly service fee due to the inaccuracies of their promises and they refused.
Consumer complaint received 2017-09-27
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. (CA)

XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX, Experian reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
Consumer complaint received 2017-09-27
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. (NY)

XXXX Account Number XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Freedom mortgage was collecting our money for homeowners insurance as part of payment but stop paying XXXX XXXX XXXX resulting in the insurance canceling our homeowners. They then placed their own homeowners and raised our payment. We took out our own homeowners again after finding out they took their own. Now that we have our own insurance they refuse to lower the payment amount. We are also a flood victim of XXXX in Tennessee and called them asking for a hardship and they claimed they would email paperwork which they never did. The company sends us predatory refinance offers pretty much daily. There was a period of time where there was no homeowners insurance that they owe us a refund for. Legal action will also be taken if freedom mortgage does n't respond to our claims.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

n accordance with the fair credit reporting act XXXX XXXX account # XXXX amer XXXX account # XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A.states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX XXXX and is reaging this account to show a negative account on my Equifax, XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DE)

I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XX/XX/2020, I applied on-line for a mortgage with AmeriSave Mortgage Corporation. My wife & I signed a loan disclosure which specified a 30 year term, 3.25 % interest rate, and zero points. The {$500.00} deposit was paid, and dozens of documents were sent to the company, including financial statements and credit report. All of these items were deemed acceptable by the lender. However, the loan agreement was not locked, because AmeriSave claims it can not do so until the loan is fully approved with all conditions met and ready for closing. 

On XX/XX/2020, a modified loan disclosure arrived. See attachment 1 - the email  from Mr. XXXX ( Mortgage Loan Originator ). He offered no reason for the new document, nor did he mention the added expense of {$2400.00} discount fee. XXXX figured he might be able to snooker an XXXX year old senior citizen. 

On XX/XX/XXXX, I questioned the new numbers, and Mr. XXXX replied that a loan discount of .84 % was required " because rates went up ''. See attachment 2. THIS WAS AN OBVIOUS LIE. Note this XXXX XXXX report : " Mortgage Rates Hit Another All-Time Low XX/XX/2020 The 30-year fixed-rate mortgage has again hit the lowest level in our surveys nearly 50-year history, breaking the record for the third time in just the last few  months. These unprecedented rates have certainly made an impact as purchase demand rebounded from a 35 percent year-over-year decline in mid-XXXX  to an 8 percent increase as of last weeka remarkable turnaround given the sharp contraction in economic activity. Additionally, refinance activity remains elevated and low mortgage rates have been accompanied by a {$70000.00} decline in the average loan size of refinance borrowers this year. This means a broader base of borrowers are taking advantage of the record low rate environment, which will benefit the economy. '' Due to this crooked behavior, I ceased dealing with AmeriSave. See attachment 3, wherein XXXX said they would keep my {$500.00}. 

That same day, I got quotes from two other lenders at 3.25 % with no points. Subsequently, I locked with a bank at 3.15 % with zero points. Clearly, Mr. XXXX had lied about the interest rates, hoping to steal a few thousand dollars.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

I was part of equifax hack. Sign up for Trusted Id identity theft protection. 3 days ago I received an alert that there was some suspicious activity and that I need to contact them. I have tried repeatedly over the last few days to contact them via phone and the line has been busy so I could n't get through. Their website has also been down during this 3 day period
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

I have disputed with all three credit bureaus and Citi bank and have had this information removed from my report twice already. 

Citi bank credit card opened in my name- This is fraud and i have filed fraud alerts, and put them on my credit report going back 7 years. 

I have called the credit bureaus And Citi bank and can not get this removed because I can not give them the correct information to access this account showing up on my credit report. XXXX and XXXX are still effected by this. 

I have also been issued a new SSN and the IRS has notice of this issue as it has messed up my taxes for 7 years now. 
Another person with same name birthday is using my info and it seems my old ssn and this new ones credit is linked with the fraud.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CT)

Following is a transcript from a chat I had with a representative of Synchrony Bank regarding my online savings account. The Company publishes an attractive interest rate but fails to mention at the time of account opening that it will take 3-4 days to post deposits, which means they earn interest on the depositors money while blaming it on the " ACH process ''. 

Time Details XXXX XXXX XXXX XXXX XXXX " Why is it taking so long for my deposit to be recorded. An amount of {$53000.00} was deducted from my account at XXXX XXXX on Tuesday, XXXX XXXX. Where is my money and who is earning interest on it while I wait for it to post to my Synchrony account??? '' XXXX XXXX Agent ( XXXX XXXX ) : " Thank you for contacting Synchrony Bank XXXX My name is XXXX. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " I apologize for the delay. '' XXXX XXXX Agent ( XXXX XXXX ) : " Please allow me sometime while I check that for you. '' XXXX XXXX Agent ( XXXX XXXX ) : " ACH Transfer into or from the bank are 3-4 business days. '' XXXX XXXX XXXX XXXX XXXX " Every other online savings account I own takes no more than 1 day to post transfers. I guess your rate is nothing more than a scam. Bait and switch. You are earning interest on my money ILLEGALLY and will soon lose me as a customer! '' XXXX XXXX Agent ( XXXX XXXX ) : " I apologize that you feel so. However, our rates are quite competent in the market and have only seen an increase in the last one year. '' XXXX XXXX XXXX XXXX XXXX " Rates do n't matter if I lose 3 days of interest!!! '' XXXX XXXX Agent ( XXXX  XXXX XXXX : " The reason an ACH transfer takes 3-4 business days to complete is due to the fact that it has to go through the Automated Clearance House XXXX which is a standard procedure for a lot of other banks. '' XXXX XXXX XXXX XXXX XXXX " That 's nonsense. Not true at any of my other banks! '' XXXX XXXX Agent ( XXXX XXXX ) : " I completely understand that it can seem unfair loosing interest for the 3 days. However, it is our standard procedure. '' XXXX XXXX XXXX XXXX XXXX " Nothing more than bait and switch. I 'll spread the word!!! '' XXXX XXXX XXXX XXXX XXXX XXXX ) : " I will also go ahead and take a complaint regarding this. ''
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/XXXX went to chase bank approved from checking started dir. Deposit and ordered atm card. Deposites starting funds. XXXX couldnt assess acct info from phone was suspended Called chase bank said account was closed and is final and cant give an explanation or possible solution to fix the problem to keep acct open. 


Please help
Consumer complaint received 2017-09-27
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. (CA)

VIOLATION OF FCRA : REINSERTION OF PREVIOUSLY DELETED ITEMS, Section 611 Section 611 Section 611 ( a ) ( 5 ) ( B ) ( i ) ( ii ) ( iii ) ( ii ) ( l ) 611 Section 616 ( ( B ) Please see attached documents : Section 617 Exhibit-A - Public Records with wrong dates onXX/XX/XXXX ; Exhibit-B - No Public record on XX/XX/XXXX, were deleted ; Exhibit-C - Public records with the wrong date reappeared on XX/XX/XXXX ;
Consumer complaint received 2017-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Consumer complaint received 2017-09-27
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: CCB Credit Serivces, Inc (AL)

XXXX inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/XXXX did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.
Consumer complaint received 2022-03-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (IL)

Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.
Consumer complaint received 2022-03-10
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. (NY)

Equifax continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Equifax requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (WI)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
Consumer complaint received 2018-03-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the banking industry due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.