davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX college in XX/XX/XXXX and moved to Colorado for XXXX school, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. XXXX and XXXX still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
Consumer complaint received 2017-01-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MN)

I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

I have a XXXX XXXX XXXX  that I has been under a loan with Santander USA since XXXX of XXXX ( 9 years ) with a high interest rate. The vehicle is not in the best condition but it is the only vehicle I own and I am still paying a car payment on this vehicle in XXXX of XXXX. I have a principle balance of {$290.00} but the total amount including fees is reflecting {$690.00}. I have contacted the finance company several times and requested some or all of the fees be waived due to the new modification of the loan from back in XXXX. They are refusing to assist me to allow me to pay off the vehicle and obtain the title to the vehicle. The final call I made was to a supervisor I was transferred to on XXXX XXXX requesting assistance and my request was denied. She gladly provided her name of XXXX and employee ID number XXXX as if my issue will not be resolved. I literally have paid for this vehicle twice and have been financing it for 9 years. I am only asking for the fees to be waived so I can finally own this vehicle.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I received notification from Citibank NA on XX/XX/2024, in the mail that they were closing all the accounts that I had with them as of XX/XX/2024. I have been a Citigold client for XXXX years and had over {$200000.00} in the accounts. They are closing my checking, including ATM access, savings, and brokerage acct. I have never so much as bounced a check. Consider how difficult it will be to switch all my electronic check payees, autopayees and direct deposit accounts - I dont even know where to begin!! I went to my branch and spoke to the branch manager and he told me there was nothing he could do and legally they did not have to provide a reason and that the branch itself can not find out what the reason is. He said I have been a loyal customer and it is Citibank 's loss. I subsequently found out that my adult children received the same notice.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now XXXX, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or XXXX but it was recently.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX XXXX in XX/XX/XXXX and moved to Colorado for XXXX XXXX, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. Transunion and XXXX  still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama   Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.
Consumer complaint received 2024-03-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

I have attempted to use card at numerous vendors and payment continues to be denied. Company informed me not to save card info and try still denied. Even had one company inform me I attempted to make a fraudulent payment. Don't get why the card was paid for in advance but I can't spend the funds
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

In XXXX I opened a Phillips 66 XXXX Credit Card that is managed by Synchrony Bank. I established this card to handle expenses for the XXXX XXXX XXXX that I operate at our local airport. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and asked them to cancel our aircraft hangar rental starting in XX/XX/XXXX as we were establishing our own private hangar arrangement with another vendor on the airport. I was very clear with the agent, ( XXXX XXXX, that we were to no longer be billed. The monthly bill was XXXX per month. I had thought she was clear on this. 

On XX/XX/XXXX, I was shocked when I opened our bill from Synchrony to find that the XXXX dollar hangar fee had been charged to us. I immediately contacted Synchrony customer service and wasted over 90 minutes of my valuable time talking to 3 different agents explaining that this was an unauthorized charge and that it needed to be removed. I was assured that it would be handled. However this was a lie. 

Unauthorized charges of XXXX dollars were added to my bill two more times for a total of XXXX dollars in unauthorized charges from XXXX XXXX XXXX. 

Many conversations with Synchrony Bank Customer DISSERVICE have been had and several hours wasted trying to get this resolved. 

I have refused to pay and they have affected my credit rating. Synchrony Bank OWES ME MONEY!!!!! And they need to remove the negative marks on my credit rating. Please provide them with the Adult Supervision that they so dearly need.
Consumer complaint received 2017-10-26
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. (MI)

Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AA Recovery Solutions, Inc. (CA)

This company keeps calling me when I told them they have the wrong number. They keep saying that they are looking for someone named XXXX. I explain to them that I just got this phone number, so the person on the started telling me my address and name, which is a privacy act violation.I called back multiple times, and the lady said I am acting crazy this is not right I have XXXX 
I do not appreciate someone calling me and making threats when I am not the person the company is looking for.I never authorize this company to release any information.I could have been someone else on the line. 
I am asking for a XXXX settlement for the privacy act violation and them leaving me a voicemail telling me you have been warned. 
I am planning to file civil lawsuit for XXXX discrimination calling me crazy.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (DE)

I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NC)

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. XXXX has yet to look into this erroneous information which is a defemation of my character.
Consumer complaint received 2022-02-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AmeriHome Mortgage Company, LLC (SC)

Mortgage Company : AmeriHome XXXX XXXX At the beginning of XXXX, I called my mortgage company to get my ex-wife 's name off of my mortgage because we are going through a divorce and she does not want to keep the house. 

The man I talked to ( XXXX XXXX ) decided that I needed to re-finance the loan. So we went through this terribly long process to re-finance the mortgage to be just under MY name... This is a loan I am ALREADY paying {$930.00} per month, with no issue, and a track record of paying on time for nearly a full year. 

What doesn't make sense to me, is, even though I pay the mortgage without my ex-wife 's support, apparently my income is insufficient... But the re-financed mortgage would have been about {$630.00} a month as opposed to the CURRENT loan that I have for {$930.00} a month. 

This started with me ONLY asking to get my ex-wife 's name OFF of the mortgage and to get a quick-claim. XXXX  months later, the re-financing has been denied and I am back at square one, and NOBODY is returning ANY emails or phone calls to me.
Consumer complaint received 2021-02-04
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: SELECT PORTFOLIO SERVICING, INC. (GA)

I filed a complaint on Select Portfolio Servicing in XXXX of XXXX because I was not receiving my monthly statements on time. In XXXX I received my monthly statement on XX/XX/XXXX and in XXXX I received my monthly statement on XX/XX/XXXX. I called and complained, I did finally receive copies, but the font size was so small it was unreadable. After I filled a complaint my credit score went down 76 points. I did not choose Select Portfolio Servicing Inc., XXXX XXXX sold my loan to Select Portfolio Servicing. The complaints I have have read on this company is a tell, tell sign of what I am experiencing. When I called in XXXX a customer service rep. told me that XXXX XXXX owns my loan. I have not been able to confirm that.
Consumer complaint received 2024-03-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-09-08
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. (SC)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF HAWAII CORPORATION (MD)

Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (TN)

I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.
Consumer complaint received 2022-09-08
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. (WI)

Would you mind investigate this personal information for me - Seems little awkward with certain information? I was going through my personal information on my credit, and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? 

I mean, is there a reason why my personal information on my credit report contains errors? 

Basically, I am looking at my credit report, I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

My accounts at Chase bank have had a legal hold placed on them. 2 accounts which are my adult childrens accounts. They are linked to mine. I accept that this happened. I immediately contacted what placed the hold and worked out a solution. On XX/XX/XXXX Chase was notified this hold could be released. I was told it would take 2-3 business days. Today is the XXXX and again I was told it will take 2-3 business days. In the mean time I have had auto payments returned due to insuffient funds which they are charging me for. They have taken XXXX from my daughters account which had left her with a XXXX balance. Money has been taken from my sons account. I cant get a straight answer as to where this money is going. Its like they are keeping my accounts on hold as long as they can so they can keep collecting fees. I cant even begin to get it all straightened out until the accounts are taken off the hold. This was even told to me by a chase bank representative yesterday. I have been in a terrible financial bind and it is only getting worse the longer this drags out. 
I have spoken to Chase Bank representatives nearly every single day since XXXX XXXX XXXX and get the same 2-3 day response. I am to the point where I will not even be able to go to work next week. As it stands my pay check will go into my account tomorrow but I wont have any access to my money
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (TX)

Equifax did not perform their due diligence and my information was improperly and illegally obtained from their systems. I am now highly subject to stolen identity and other frauds in my name.
Consumer complaint received 2017-10-26
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. (IL)

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XXXX/XXXX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which it was due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I have a credit freeze on my account and when I did pull it off the creditors pulled XXXX instead of TransUnion. These XXXX items I never applied for and the XXXX XXXX and XXXX was removed and reinserted. Even on my XXXX XXXX my credit is important to me. 
1.XXXX XXXX-XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX 6XXXX XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES