davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-08
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. (CO)

Actually my issue is not listed on your drop-down boxes. For the pas t four p lus years I have frequently used credit monitoring services, including Equifax direct credit monitoring. I was very  ill  XX/XX/XXXX to  XX/XX/XXXX .   Do to medical bills and lost wages, I had major credit issues. I worked hard with my creditors to resolve my issues. I have also used several credit repair services to help me correct true mistakes. This cost me hundreds of dollars, I also had to contact attorney over  two o f my creditors. Recently when I tried to pull my credit from Equifax which is part of my Equifax monitoring service my file was extremely off and confusing. It had information that was not correct and none of my credit cards, lines of credit, Car loans, or current addresses were on the file. I was completely baffled and I call In multiple times. I was told by a gentleman and I use the term loosely, that I had inconveniences on my credit report. I asked him did he mean inconsistencies I was confused. I spent hours on the phone only to find out if there was a second file attached to me somehow. I 've called into Equifax multiple times trying to get them to close this extra file or at least distance it from my correct file. They stated that they were going to merge my file and I said absolutely not I did not know about the things that are on this file and many things are wrong. Currently I ca n't pull my credit file at all even though I 'm paying {$17.00} a month to be able to pull my credit report daily. They said they would eventually mail me something. This is unacceptable I 'm trying to purchase a condo in the next couple of months, I am currently living with family members in a supposed to be short term arrangement. I 'm sorry that they made a mistake, and I 'm sorry that they have some sort of data integrity issue. However none of that is my problem! I 've consistently given  Correct information when applying for loans, credit cards, lines of credit and for any credit! I have had my current mailing address for more than three years. The lack of assistance and accountability from Equifax is infuriating. Although I 've been able to pull my correct file for more than two years,  and I pay them with a credit card that is in my name only, they now want me to prove who I am? Are you freaking kidding me, they make a mistake and somehow it is my responsibility to fix it! This needs to be resolved immediately. I do thank you for your assistance I know you have a tough job, and I know there are many people that are frustrated ... .so I thank you in advance for any assistance are able to give me. I just feel so lost right now.  <P/> **I do have a long list of names of the people I spoke with.. from  XXXX  to  XXXX  and no  one he lped fix this issue.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate
Consumer complaint received 2017-02-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Health Savings Acct with Bank of America. SEE BELOW.. 
Recently, we let you know about upcoming fund changes to the investment options available in your HSA, as well as the upgrade to your health account that 's coming soon. This is an important reminder that in order for your investments to transfer in-kind during the upcoming upgrade, the auto-investment feature must be enabled on your HSA Investment account before XXXX at XXXX. 
XXXX. If the auto-investment feature is not enabled, investments will be liquidated with proceeds placed into your HSA Cash Account. The cash will remain in your account until you make new investment elections. 

Here 's what you need to do if you prefer your investments to be transferred in-kind : Before XXXX, confirm that the auto-investment feature is enabled on your HSA Investment account. On XXXX, your shares will be moved in-kind to Merrill Lynch XXXX. Your auto-investment elections and {$1000.00} investment threshold will also be mapped over as part of the transition. 

How to confirm auto-invest is enabled : Log in to XXXX Click on " Investment Balance '' in Account Balance & gt ; select Continue & gt ; Investment Summary tab. If auto-invest is disabled, click on " Automatic Investments '' & gt ; check " Enable Auto Investments '' & gt ; submit & gt ; confirm. 
Your investment elections must total 100 % before you can turn the auto-investment indicator on. 

What will happen if the auto-investment feature is n't enabled by XXXX? 
If the auto-investment feature is not enabled, your HSA investments will be liquidated on XXXX with proceeds placed into your HSA Cash Account. You 'll have access to these funds on XXXX and can select your investment elections as part of your account set up. 

Please ensure you review the status of your auto-investment option and make any necessary updates to your account before XXXX at XXXX. XXXX if you would like your funds to move in-kind during the upcoming upgrade to your account. 

If you need help or have any questions, please contact the Customer Care Center number on the back of your HSA debit card. Our Customer Care Associates are available 24/7. 

My investments within the account are not showing up and the consumer can not enable the auto investment link. I have been on hold for over 20 minutes and you can not email them. THIS IS INEXCUSABLE! If I lose the portion of my account that is invested I will sue the bank and make this as public as possible. I DO NOT RECOMMEND ANYONE USE BofA 's HSA services.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

Loan Type : Federal. The XXXX XXXX XXXX XXXX ( XXXX ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of my account. However, they provided some serious inaccuracies regarding the review. PHEAA responded that I submitted an Employment Certification Form ( ECF ) confirming your employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, XXXX however, I have written them at least three letters advising them that I have submitted two other ECFs ; in XX/XX/XXXX, and on XX/XX/XXXX. The ECF submitted on XX/XX/XXXX advised that I had been employed with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. PHEAA further responded that did not begin to repay your XXXX XXXX XXXX Federal Direct ( Direct ) Consolidation loan disbursed XX/XX/XXXX until XX/XX/XXXX. This is incorrect, I started repayment in XX/XX/XXXX, and had no forbearances or deferments. I have requested and have not received a full accounting of my payments. In addition, while PHEAA responded I made payment under an ineligible plan, they neglected to state I made the payments under the standard payment plan, and I have continued to do so to present date. PHEAA has not properly credit my payments under the PSLF payment plan. The balance of {$22.00}, XXXX should have been paid off or forgiven at this time.
Consumer complaint received 2022-08-10
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. (MD)

XXXX ( XXXX ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by XXXX on XX/XX/2022 ). Despite me providing proof of payment to XXXX by Email on XX/XX/2022, XXXX PM EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), XXXX still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.
Consumer complaint received 2017-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My interest-only adjustable rate line of credit was taken over by  Servis One , Inc. dba BSI Financial Services,    XXXX   #  XXXX ,  XXXX   XXXX  around  XX/XX/XXXX . My agreed to LOC adjustable rate is  1 1/2  below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my  XX/XX/XXXX  and  XXXX  XX/XX/XXXX  BSI loan statements.  <P/> I received a letter from  BSI Financial Services d ated  XX/XX/XXXX  stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI  Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your  XX/XX/XXXX  billing statement. '' I called the BSI toll free # (  XXXX  ) provided on my letter and spoke with  XXXX  ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account.  <P/>  XXXX  could not help me out. She said she would send my request to the loan team and asked that I call  XXXX  back on Tuesday,  XX/XX/XXXX  to see if any details on this additional, unexplained charge could be provided. I told  XXXX  this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges.  <P/> I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services.  XXXX  to be accountable for their actions.
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Citibank informed me my account was inactivated. Mode of contacting me was via Online message sent to a messaging account that has no obvious notifications. Notification has now disappeared and is unable to be viewed. Ive asked for it to be re emailed and they state they can not so this. They said they inactivated my savings account for inactivity ( in the form of transactions ). I have been depositing money personally monthly and sometimes twice monthly for the past two years and have accumulated XXXX dollars. Because my account is inactive I am unable to withdraw money to buy a house. My options when I found out two weeks ago that my account had been inactivated was to 1. Visit a branch ( which does not exist in the entire state of Texas where I live ). 2. Send a notarized letter with my name on it and social security to a branch in XXXX XXXX Texas. I was told by multiple employees at Citibank and managers that after receiving the letter my account would be reactivated the following business day. I spent XXXX dollars notarizing and overnighting a letter on the XXXX of XXXX to the address provided by Citibank. It was received at XXXX on the XXXX of XXXX. I have called everyday since for an update. I keep getting the run around and no one can tell me anything on my account. They simply keep telling me that it will be one more day, one more day, oh actually 2 weeks. I have talked to multiple managers and employees and all have a different story. Apparently the branch that controls the processing of letters does not have a phone number and so the employees over the phone can only contact them by email to check my account. I never get an answer if their emails were ever read. I am trying to buy a house and use my savings to do it. This is ridiculous and should not be allowed.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXXXXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (LA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

On XXXX XXXX 2017 I opened an account with Coinbase and bought bitcoins through them. I bought {$120.00} in bitcoin and {$50.00} each of the other two coins, then about 3 days later I got an email saying they were shutting down my account and when I go to withdrawl my funds form the account its says I have XXXX money with them but they generated a transaction record saying otherwise. They money was also taken out of my bank account so I know they have it and it is not pending. I have sent them numerous messages and have called them and have been on hold for 2 days, they will not pick up or respond.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (LA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
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. (TX)

Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.
Consumer complaint received 2015-07-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX at approximately XXXX-XXXX, I made an online payment to Capital One Bank ( see attached ) in the amount of {$38.00}. At the time, I was unaware that payments made after XXXX on the due date were considered late and posted the next day. Currently, I have a 30-day late on my credit reports ( XXXX ) and also been denied a credit line increase with Capital One due to my " late payment history ''. I have had XXXX credit card accounts with Capital One for over a year and never paid late or after XXXX on the due date. I am now being penalized for a practice which is against the law. According to the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX, the practice of posting credit card payments ( made after XX/XX/XXXX on the due date ), the next day and counting it against the cardholder as a late payment is illegal.