davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint against All XXXX bureaus : transunion, XXXX, and XXXX. I pulled my free annual credit reports and they were all high. However, when I went to get a car loan the reports they claimed they saw from transunion was not as high, and I did not qualify for the 0 % interest loan that I should have. The lender says the free reports we get from the credit bureaus are not the same reports they have access to. This means all XXXX credit bureaus are in violation of providing accurate free credit reports to consumers yearly. They are providing different reports, they are not providing accurate information. This cost me money and the government needs to hold them accountable.
Consumer complaint received 2022-08-17
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. (VA)

REF : XXXX. Equifax is continuing to violate their grave responsibilities under the Fair Credit Reporting Act and are damaging my reputation in the process. In the above referenced complaint, they stated that the inquiries which I will attach, were a matter of FACTUAL record and they will stay on my credit file for 2 years because it is their policy. However, the LAW doesn't permit them to house any inquiries on my file. The LAW doesn't agree with their policy. In fact, Federal Law states that without direct consent from the consumer, they are not to disclose any information nor report information.

Since they state that the inquiries are a matter of factual record, I am demanding the description of their investigation procedures pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ). Provide me with the names, addresses, and exact information provided by the people who helped you determine that these inquiries are a matter of factual record and you are required to provide this information within 15 days, so if you fail to do so, further action will take place.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

i previously had a Citibank checking account I became sick with covid and while I was sick someone stole my wallet and phone making several fraudulent charges on multiple accounts. When I began feeling better and started looking over my accounts, I immediately called the banks and disputed the items. Citi definitely did not properly investigate because if they would have, they would have seen the charges were fraud, this caused my account to be negative. They then sent me an email advising that they would be closing my account no further deposits, withdrawals, etc. would be able to be done on the account effective immediately. Well due to me being sick with covid I qualified for the rental state assistance which was to get deposited into my citi account and after receiving the email from them they accepted the deposit from the state and kept my rental assistance. i phoned the executive team and advised this money was only to be used for rent and I needed it I spoke with XXXX, and he advised that the payment would be returned by the XXXX of XXXX as of today 's date They still have not even processed the return of the payment.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MA)

I transferred money on XX/XX/22 and the Money didnt reach the recipient account and the company did not notify me until I found out that the money didnt reach. I have been calling the company since then but they tell me that they are contacting their local partners this money was meant to settle my mortgage and its accumulating the interest when I tried to explain I have never got any help. I requested they refund the money so that I can find a way of sending it but up to now have got nothing.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

Filed a claim with my bank for an unauthorized purchase and they filed the claim as a ATM withdraw why? No clue! And yet they denied my claim and took the money from me. I know 110 % I did not make this purchase. It 's Wells Fargo and they will not provide me with any proof of documentation about it. Ca n't even get ahold of there claims department. They are stealing money from me and lots of other people and I want to blast this all over the place. They take my money right befor XXXX so now I ca n't buy anybody gifts and they do n't care. Everyone says I am about to be out for XXXX. Please help me
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX, 2010 XXXX, XXXX XXXX, XXXX ( COLLECTION ) NOT MINE the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

Loans transferred from XXXX to MOHELA. I qualify for PSLF and submitted for forgiveness under my waiver originally to fedloanand now it is with MOHELA. I have talked to two representatives, the first telling me that I should see an account update in 10 days, that was in XX/XX/2022. Then I got a motivation that I would have an update in mid to late XXXX without an update. I am missing counts from XXXX. I have submitted nimeroues account messages which are supposed to have a 3 business day response without response. I have been on hold for the ombudsman for hours without them answering. I have faxed a formal letter per the online instructions several weeks ago. I have filed 2 complaints with Dept of Ed ombudsman, who were supposed to call back but never did. Not sure how I can resolve this issue since no one responds.
Consumer complaint received 2016-02-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

During the course of attempting to refinance my home loan with a new lender I was advised that they needed a copy of the mortgage modification agreement so it could be reviewed by their under writers. I told them that this loan had never been modified and they advised me that it was listed as modified with all three credit bureaus. I confirmed this by reviewing my credit. I contacted my current lender on XX/XX/XXXX and advised them of the discrepancy. This loan has never been modified or altered from its original state. I have never been late or sought any type of mortgage relief. I was advised that they had purchased the loan and it was listed as being modified with the previous lender. I was advised that they would research the issue and correct the problem if they confirmed it was not modified. I have contacted my lender no less than 10 times by phone. I have been advised that a supervisor would contact me and they never have. I have been told that they confirmed the loan was never modified but they refuse to send me written confirmation that I can provide to complete a refinance. Each time I call I am told they will escalate the problem and contact me, but no one ever does. In the mean time I have lost my interest rate on my refinance and my home appraisal has expired. This is costing me literally thousands of dollars and no one seem to care.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX 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 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WI)

Hello I am a XXXX student who attends the University of Wisconsin-XXXX. I had received an email from my school email about a company called XXXX XXXX XXXX who was offering $ 100- {$130.00} a week for reviewing products. Because my school is a research university I had thought that this was normal, and just another research project. I went back to my parents house after the covid-19 situation in XXXX, WI. They sent me a check in the mail for {$XXXX} and told me to mobile deposit this ( XX/XX/XXXX ). I mobile deposited this check with Chase bank. I received both texts from " XXXX XXXX '' and emails from " XXXX XXXX '' who were apparently working together. After I deposited the check, they asked my to confirm that the check had been confirmed and processed by my bank. Then they asked me to make a XXXX payment of {$1500.00} ( XX/XX/XXXX ) to someone name XXXX XXXX. ( XXXX ) so that he could buy some I-95 masks that were supposed to be sent to me to review and distribute. Later they sent me a text that the payment had been canceled. I called Chase bank and asked them if the payment had been canceled, but they said it hadn't been canceled and that I would have received an email from either Chase or XXXX saying that the payment was canceled if it actually had been canceled. My bank account transactions also showed that the {$XXXX} payment did go through. That's when I realized that this was a scam and I both emailed and texted that I was done with the job. This morning ( XX/XX/XXXX ) I recieved an email saying that my account had been overdrawn and when I checked my account I saw a XXXX deduction putting my account balance in the negatives. This shows that this was a fraudulent check. I tried calling chase bank twice and both times after being put on hold for over 2 hours total, I was told that they couldn't do anything since the payment was made through XXXX. I tried calling XXXX, but XXXX said that if the payment was made through the bank 's website that only the bank can deal with it. Please help me, I want the {$XXXX} that was taken from me but it seems like no one cares and no one is helping.
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX my account was frozen and was unable to transfer funds sent to me for emergency situation.Venmo did not give me a reason for the freeze and said it would be XXXX - XXXX business days I would receive a email.On XX/XX/XXXX received a email that account was unfrozen so then I tried to do a instant transfer and was unable to was told it would be another XXXX business days I would get a response. So I did a standard transfer and today is XX/XX/XXXX and the transfer still has not posted so I called and the ageant said it was under review and could not give me a reason why so again the funds are on hold again so no it's been over a week and won't see the funds till possible Monday with no answer why. I believe the reason is Venmo does this to millions of accounts and pools the money into a account and collects the overnight interest rate.
Consumer complaint received 2020-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a mortgage line of credit with Bank of America. I became 3 months behind XXXX.BOA had me apply for a modification. It took until XX/XX/XXXX to get it approved, probably because they wanted to add on over 2500 in fees. The agreement was that I would make 3 payments of XXXX per month. I made all 3 of those payments. The XXXX payment did not go through because the representative entered the wrong routing and accounting number. 

I received a phone call today XX/XX/XXXX saying I was denied a modification. My payment is XXXX which means I technically owe XXXX. I paid the trial payments of XXXX. Technically I can go into foreclosure for XXXX? This is not right or ethical. I have been trying to work with BOA for close to one year now. I need your help. In fact, this is the second complaint I have sent to you about BOA.
Consumer complaint received 2017-04-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do not
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL Lexis Lexis, XXXX, XXXX, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL (LA)

I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT XXXX AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Consumer complaint received 2022-05-06
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. (CT)

I pulled my credit report thru Equifax and I saw that there is a collection from XXXX XXXX XXXXXXXX. I contact them and asked them to verify. XXXXXXXX XXXX XXXX said that the balance is XXXX and it shouldnt be there. Equifax is saying when I disputed that I owe a balance because they verify it. I have no idea who XXXXXXXX XXXX XXXXXXXX is and it shouldnt be on my report. This who thing has been a nightmare and its affecting me personal and financially. Please removXXXX XXXX XXXX XXXX from my credit report.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (MO)

I contacted IQ DATA INTERNATIONAL IN in regards to bill on my credit report for the XXXX XXXX XXXX XXXX XXXX. While I did stay at the XXXX XXXX XXXX XXXX, in missouri a landlord has 30 days to send an itmized list of damages and the amount. MO Rev Stat 535.300. the  XXXX XXXX XXXX XXXX neither contacted me about the amount nor gave me a list of any damages and i am disputing this debt.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

I decided to purchase a leased vehicle and sought financing from J.P. Morgan Chase bank as I was n't able to afford the more than {$14000.00} required to pay for the car in total. A financial structure was set up but now I find after 4 years of automatic deductions from my checking account, totaling nearly {$24000.00}, there 's at least 2 more years left to pay and a payoff balance of more than {$6000.00} which means I will have paid {$30000.00} by the end of this set up. Is this predatory lending? I have been a preferred customer with the bank for over 30 years. What can I do to negotiate a better deal as a retired XXXX year old living on a fixed income? I tried to return the vehicle back to the dealership but they refused.
Consumer complaint received 2018-11-30
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2022-05-06
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. (NC)

Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.