davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Closed another of my accounts. This company preys on individuals with little to no credit by offering a credit card and then deploying the same tactics over and over again to lower or close accounts. I have not missed a payment on ANY account in YEARS! Their system ID flawed. They take advantage of those in need just to throw them to the wolves when they feel like it. Using old irrelevant information as their reason to ruin someones credit health. This company should not be in business. And I will continue my mission to file a class action lawsuit for taking advantage of people with reckless abandonment. Their actions are utterly senseless. Their rating is 1 star for a reason. This corruption has to be stopped.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

Due to my vacation being cancelled, I received a refund for flights and vacation package. The refund went back to my Citi Double Cash card. On XX/XX/2020, I contacted Citi via chat ( see attached documents ) to request that the money be transferred back into my bank account. The representative said it would take three to five business days to receive my money. 

On XX/XX/2020, after I did not receive the funds and still showing a very large credit balance on my Citi card, I contacted Citi customer service again via online chat. At that time, I was informed that they had to submit the request again because there were a couple of disputes on my account that were pending until XX/XX/XXXX, so the amount of my credit was changed to reflect the two disputes. I was, again, advised my money would reach my bank account in three to five business days. 

After two more attempts to get my money back ( XX/XX/XXXX and XX/XX/XXXX ) via the online chat, I contacted Citi by telephone and spoke to a manager on Wednesday, XX/XX/2020. The manager apologized for the inconvenience and reassured me that I would receive my money. He said that because of the large amount and the fact that Citi was not used to refunding such a large amount of money, they had to do a full investigation and it would only take another two to three business days to receive my money. I asked the manager if I would receive my money by Monday, XX/XX/2020. The manager replied, " You should receive it by Friday, XX/XX/2020. '' As of this date, XX/XX/2020, Citi continues to hold on to my money. The funds are still sitting as a large credit balance on my account.
Consumer complaint received 2018-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WV)

I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2022-08-13
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. (AR)

I have been working to have the Three Agencies XXXX, Transunion and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX XXXX Transunion
Consumer complaint received 2020-05-15
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: Atlanticus Services Corporation (FL)

I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX  and XXXX. The account was listed as XXXX/Aspire   and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX  and XXXX  to have the account removed. Within 24 hours XXXX  notified me that the account was verified and would not be removed. I also contacted Aspire at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

when I applied with student loan services to have my loans combined together, I asked them to transfer it to XXXX XXXX XXXX since I had my existing loan of XXXX. Then I called XXXX XXXX XXXX and asked them when my loans are transfer to them just like my existing loan if will go under XXXX  where I don't make any payments and the representative said yes. I was hospitalize a while later and I was in out of hospital and pain medication for about 6 months. two months after I was out I find out that XXXX XXXX XXXX didn't process my loan payment as XXXX and late payments were reported for 120 days. this is incorrect due to my XXXX which I'm still receiving XXXX my payment is XXXX. no late payments should have been reported.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (HI)

This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Services, Inc. (OK, TX) (OK)

While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,
Consumer complaint received 2016-06-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (FL)

After graduating in 2015, I began work as a low paying XXXX. I spoke with three different people at Sallie Mae, telling them I was in serious financial difficulty and needed time to gather a prudent reserve to again begin paying them. I told them I fully intend to pay my debt, but needed time to gather enough money to not be so XXXX about making daily fixed expenditure payments. Since that time, they have called repeatedly including calling my sister who has an XXXX and harassing her also. There is absolutely nothing I can do at this time to resolve this and the XXXX pressure is incredible.
Consumer complaint received 2016-03-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (VA)

I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.
Consumer complaint received 2024-04-18
Product: Credit 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: JPMORGAN CHASE & CO. (ID)

Several XXXX  of dollars of purchases that were not made by me there is over XXXX on this card now and its over credit limit how they let that happen when its a XXXX credit card??? Doesnt make since especially when I have supplied several documents supporting my case on these charges
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.
Consumer complaint received 2018-02-01
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. (LA)

I contacted Transunion on XX/XX/2018 at XXXX to inform them that I am a victim of the current inquiry issue. The representative by the name of XXXX refused to assist me with the removal of the unauthorized inquiries on my credit file.
Consumer complaint received 2022-08-13
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. (AR)

I have been working to have the Three Agencies Experian, XXXX and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are needed further investigation and removal by the 3 bureaus Experian XXXX XXXX
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

I XXXX XXXX have been been unemployed for the past few months. On the date of XX/XX/XXXX I started my first job in XXXX Ohio which starts at XXXX. I have video proof of me being at work also my card was in my possession .at approximately XXXX were 4 transactions that occurred .... there was XXXX for {$60.00} at XXXX ATM in XXXX Ohio . The second was for {$300.00} which at this point my account is official over drafted and my balance is below {$0.00} considering my initial balance was {$360.00} to now {$0.00}. Then there was {$600.00} debited from my account. The problem is I have video proof and witnesses that will confirm I was at work not even in the same zip code.the next problem is that Citibank allowed someone to take money out of my account even when my balance was negative. Something else thats quite interesting is that non bank atms only allow you to pull {$200.00} at a single time max. I then reached out to Citibank and explained my problem and I was told that a new card will be issued and that they would restore my account I was also given the claim number XXXX, and told all would be taken care of in 10 business days ... ... After waiting more then 10 days I called Citibank on XX/XX/2020 at XXXX eastern time ... where not only was I treated with the most disrespect but I also asked to speak to a supervisor thinking it would resolve my issues ... ... when I followed up with her she told me my claim had been declined and that a letter was sent to my home address. This was never received. I proceeded to ask her how is it that the letter states that it was in fact me and my card used at the debit machine .... I asked her how can that be if I personally have evidence showing Im at work over 22 miles away in a warehouse where I was on film loading trucks. I also stated that I know every ATM has a camera on it for security and I know that will also confirm my truth, I was then swiftly told that she was at the point where she can not answer questions or remain on the phone any longer ... .... the representative then proceeded to act like the were no longer on the phone, but then I realized she was just trying to continue to listen to me vent to my girlfriend for an additional 15 minutes but would ignore as I tried to acknowledge her .... so now Im here writing for help because Im now gon na be forced to pay money that was mysteriously taken from just to try to keep my credit in tact. Ironically this was just done during the covid pandemic..so basically help is either minimal or not their at all.. I also Researched that they did this to millions years prior which ended in a multimillion dollar suit
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TN)

Purchased {$1.00} Experian credit report. Found that they had signed me up for $ XXXX/mo service. I cancelled the service. Turned off the communication preferences. They are still sending multiple marketing emails every day. There is no method on their web site I've found to fully delete my " account '' or fully stop marketing emails. I've emailed them. I've waited on hold for 1/2 hour unable to reach someone. 

This is ridiculous. If we have to interact with big 3 credit reporting companies, they should be held to some minimum standards. They should not trick customers into purchasing services they do not want. They should prominently provide method to cancel marketing emails. They should prominently provide method to remove my account from their system.
Consumer complaint received 2022-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In late XXXX of XXXX I elected to purchase a trip to XXXX in XX/XX/XXXX offered by XXXX XXXX ( XXXX, XXXX ) and I paid {$1200.00} on my mastercard from Bank of America. I was not able to take vacation in XXXX because of mistakes made on invitation letters ( twice!! ) required for visa and visa didn't arrive in time to get on plane. When I contacted XXXX to tell them of horrible experience they didn't respond so I waited a month and filed a dispute with Bank of America over charge. Upon realizing I was disputing charge XXXX contacted me in XXXX to apologize for their actions and I inquired about getting my money back. They begged me to try them again and offered voucher for any vacation taken within 18 months but only if I agreed to cancel my dispute through credit card. In good faith I said yes and in late XXXX I contacted Bank of America to say merchant has offered to resolve dispute.I saw on my XXXX statement that charge was taken off but 2 weeks later it was put back on ( enclosed ). One year later I decided to take a trip since Covid was slowly not an issue only to learn XXXX would not honor the voucher. They told me I had won my dispute so they didn't owe me anything and I told them that wasn't the case because I paid balance in XXXX of XXXX and sent my statements. I called Bank of America who said they did pay XXXX but I asked for an escalation, Bank Of america put $ back on my card and I hoped that was end of it, but 3 months later they charged me back on XX/XX/XXXX statement and couldn't provide any written proof of it by email or regular mail. The escalation said they forced payment through third party XXXX  in late XXXX. XXXX and it was finally accepted on XX/XX/XXXX. It is now a year later and XXXX will not accept this finding and is calling it an internal bank error by bank of america. I have spent over 20 hours on this matter and only way to resolve this is if bank of America can show XXXX the findings of audit as XXXX has refused to call back office of B of A. Please help end the madness as I deserve this money and shouldn't have been subjected to this.