davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I paid off my balance on my Amex account, redeemed my reward points, and closed the account in that order. Today, XX/XX/XXXX, I received a suspicious email and text that my account needed attention for a past due balance. Following this, I logged in via the online portal ( ignoring the email ) and found that Amex had assessed a {$0.00} interest fee on XX/XX/XXXX, then placed two {$35.00} late fees on top of that.

For one, I'm didn't see how the account was still open, I'd requested it closed XX/XX/XXXX. For two, I don't see how after paying the full balance {$0.00} popped up, and how that became {$70.00} Chatting with Amex, their explanation is that they processed my rewards point redemption after closing the account rather than before, which triggered a {$35.00} account reinstatement charge, and then left the account open and able to collect additional late fees on that {$35.00} charge. Checking my sms and email communications logs, I had no emails or sms messages from them since I closed the account which would have indicated that the account was reopened and collecting fees.
Consumer complaint received 2016-03-03
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (NC)

Navient robocalls 5 times a day both my home phone and my cell phone. It is my son 's student loan. I did NOT co-sign his loan and have told them in writing to stop calling my cell phone. I wrote to them and faxed the information to have them stop calling me. My son does not live with me. Yet, they continue to robocall XXXX phones.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My bank account was closed and no other information was given to me. I have been an established customer since 2001 with no issues. I was told that this was discriminatory practice. I went inside the back to clear things up and they also were confused as to why my account was just closed and labeled me as an " Established Customer ''. No bounce checks no fraud nothing was observed. I was not able to get money out without waiting for an extended period of time and I would like answers because I did nothing wrong to deserve this.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have requested that USAA work with me in order to consolidate two credit cards which they unilaterally closed back in 2013 ( @ ). USAA is charging double digit interest and has refused to consider any form of consolidation to allow me a lower rate, a lower monthly payment and/or any other consideration. 

Due to extended medical issues and USAA 's unwillingness to work with me PRIOR to getting behind, I now find myself 2x Months behind and unable to catch up. 

I personally spoke with USAA representatives who said, " Unfortunately XXXX XXXX, USAA is not interested in lowering your interest rate and we can not consolidate your cards. USAA would not consider rolling the credit card debt into a personal loan that would allow me to quickly address and retire the cards. 

NOW, due specifically to these two cards and USAA 's unwillingness to consolidate, lower interest rates or provide alternate avenue of repayment my FICO score has dropped from well over 700 to XXXX and I can not qualify for any form of reasonalbe consolidation.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (GA)

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights. 4. The Collection Agency has no authority to furn
ish any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.
2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CO)

I had a late payment on my amex account. I recently fell on hard times due to covid. I tried to pay as soon as i could. I explained to them what my issue was and they never responded
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION (AZ)

I filed a claim with Navy Federal Credit Union XXXX on XX/XX/2021 per their instruction in the " Guide to Benefits for XXXX XXXX '' for Cellular Wireless Telephone Protection Coverage. 

My phone was broken beyond repair so I filed the appropriate documents for my insurance claim that should cover up to {$600.00} with a {$100.00} deductible. They are stating that my phone is not covered because I have too many lines on my account. The other lines are part of my family plan. I am making the claim for the only Eligible Cellular Wireless Telephone and I am the only Eligible Person for this benefit per their guidance. 

I was denied my claim on XX/XX/XXXX. I followed up with supporting documents and they are still denying my claim satying I have too many lines. It is my credit card and the claim I am making is for my phone. I will attach their guide to this complaint. Please notice both their definitions of the Key Terms concerning : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I was offered a loan modification after I came out of Covid-19 forbearance. The modification trial payments were to begin XX/XX/2021 in the amount of {$380.00} a month. I later received a letter from my mortgage company saying there was an Issue with my title and I needed to submit information to them via email by XX/XX/2021. The letter also stated until the title Issue is resolved I should continue to make my trial payments on the due date. I was able to track down the lien on my home and paid the XXXX XXXX XXXX  XXXX to satisfy the lien. I sent documentation XX/XX/2021 from the XXXX XXXX to my mortgage company with the satisfaction of lien that was being sent to the county to be recorded. The document contained all relevant information however it was not the official recorded copy. I then proceeded to make my first modification payment as instructed on XX/XX/2021 via XXXX XXXX. On XX/XX/2021 the lender rejected my modification payment citing there was no recorded copy of the lien release to which I informed them I sent the letter directly from the XXXX XXXX, however I am waiting on the official recorded copy from the county. Since the payment was rejected I am now out of the service fee provided to XXXX XXXX  in addition to needing to wait up to 10 days for the payment to be returned to my account. I feel I am not being treated fairly as I followed directions given to me and was told to continue to make my trial payments until the title Issue is resolved which the lender knew is in the process.
Consumer complaint received 2017-10-24
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. (OH)

Under the new law effective XXXX XXXX, XXXX credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All XXXX credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
Consumer complaint received 2018-03-23
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: Experian Information Solutions Inc. (CA)

i recently pulled a copy of my credit report and saw these inquiries date of the report is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX Home phone : XXXX XXXX XXXX I Have Attached a copy of my experian Credit report WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MO)

On XX/XX/2022, I went online and applied for a CitiBank XXXX XXXX AAdvantage credit card. Upon the completion of the application, I was denied the extension of credit. The following day I received an email sta

ting why I was denied the extension on credit. The Adverse Action ( 15 U.S. Code 1681m ) Letter. In That letter it stated that the denial resulted from " Your credit bureau report shows that your balance on your open accounts are too high when compared to your credit limit ''. A adverse action is not valid when it comes to an extension of credit. That is DISCRIMINATION ( 15 U.S. Code 1691 ( a ) ( 3 ) ). I in good faith exercised my right under the Equal Credit Opportunity Act. Also an adverse action only applies to employment and insurance, NOT an extension of my own credit. Credit is the right granted ( 15 U.S. Code 1602 ( f ) ) which is the right I exercised in good faith. I granted you the right to extend my credit. I CAN NOT be denied what mines. I provided you my credit card ( SSN ) ( 15 U.S. Code 1602 ( l ) ) on the application, and you ran my credit which resulted in a inquiry on my consumer report. This provides proof that we entered in a consumer credit transaction, however I received no benefits which is unauthorized use ( 15 U.S. Code 1602 ( p ).
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I was unemployed and basically homeless for a period of time. I had not received any notifications of my account being delinquent im sure FED loans records will show returned mail of some sort during the periods of supposed missed or late payments in question. I have been on a forebearance and was on one and renewed as well I should not have any late payments showing on my credit report but instead i do. all my student loans are reporting as 120 days delinquent
Consumer complaint received 2017-07-03
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. (TX)

I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America XXXX XXXX XXXX
Consumer complaint received 2017-09-26
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)

I was checking my annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX, woke up, ATM card shut off, can not access account. Called support desk, stated it was shut off and they will mail me a new card, did not know when it would be sent. I said I can not access my account, they hung up. I called back, mind you, 2 hour wait times. Again, told account shut down, I asked why it was turned off before new was activated, said she did not know, I asked for a supervisor on the floor, she said, they do not have those and hung up again. Truist bank. I had to go to branch and close my account in person and to get my money.
Consumer complaint received 2017-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?