davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I did a online application for a line of credit with XXXX XXXX I did not receive any confirmation of my application I called XXXX XXXX I called the company and they could not find my application in thier system even after taking my SS # and date of birth. 
I then get an email that I was turned down for a loan that was never processed in the system and they did some kind of verification through Clarity Services in Florida they refused to give me a credit report. The information on the email just said " Hi '' and that I was turned down due to bad credit income not in good standing and many collections. Since this Clarity Services was suppose to be a Experian subsidiary when I checked my report with Experian which I do often due to a " paid '' account I have with them none of this negative information is true and the they had not check my information the company XXXX  still could not find me in their system and the report was very inaccurate. After looking up XXXX they have a " F '' on XXXX  and a rating of 1. on XXXX XXXX  I want this company to not only send me a report but also explain how you gon na send me a email on a non existent application. I do not need my credit damaged by a false report.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (LA)

XX/XX/XXXX I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. Received care, my insurance ( XXXX XXXX ) paid all my medical expenses except the physician portion, which was due to incorrect billing and coding. XXXX XXXX requested that XXXX XXXX billing department correct the claim and resend a corrected claim. XXXX XXXX billing department never did and balanced billed me {$1700.00}. I have called several times stating they need to correct the claim. XXXX XXXX has sent them a cease and desist about balance billing me the entire amount, and they continued to harass me for an entire year. This month I received a statement from a collection agency that stated I have until XX/XX/XXXX to pay the entire balance or they will sue me. My Insurance broker XXXX XXXX has called XXXX XXXX billing department and they stated I have to pay the balance they dont care what the situation " seems '' to be. I have called and pleaded with them to send a corrected claim, and per XXXX they haven't resent the claim, and I'm not responsible for the balance, and I have the EOB stating that the entire amount was adjusted off for " Provider Discount '' meaning a denial for improper billing and coding. XXXX XXXX   billing department has violated medical billing and coding ethics. Please assist me with this issue
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (MD)

To whom it may concern, I am reaching out due to me being denied a debt consolidation loan on XXXX separate occasions. I will carefully explain each scenario and provide as much context as possible regarding each unjust denial. 

I initially applied for my first debt consolidation loan in XXXX of XXXX, I walked into a Wells Fargo Bank branch located in the XXXX XXXX area of Maryland, at the time I applied I was not a customer and was informed by the banker that me becoming a customer with the bank would better my chances at getting approved for the personal loan. 

I then applied to become a Wells Fargo customer, under the terms of having a discounted repayment plan with auto deductions from my XXXX Checking account is what the banker promised me along with any initial denial would be followed with a counter offer. I opened the account and immediately had direct deposits from my salary going in the account. One week later I received a letter in the mail stating that my loan application was denied for three reasons : 1. Credit score- now at the time I applied for this loan my credit score was XXXX and there are no delinquencies on my credit report, all my bills are paid on time with no history of late payments. 

2. None Customer - I was told by the banker that me becoming a Wells Fargo customer at the origination of the loan would have no impact to me applying for this loan. When I received the notice this was the driving factor of them denying my loan now this was concerning because it was one the questions I asked the banker at the time of me applying for the loan and was told that was not an issue. 

3. No deposits to a Wells Fargo Checking Account - This reason brings me back to reason # 2 why had this information been provided to me up front by the banker? Instead she allowed my Credit to be dinged applying for a loan she ultimately knew I did not meet the qualifications that are set by Wells Fargo. 

I immediately escalated this with the mediation department with Wells Fargo and provided them with this information and details surrounding me applying for the loan. My case was assigned to a specialist by the name of XXXX XXXX who reviewed the information provided and agreed that there was an unfair business practice by falsely coercing me to open an account to be approved for a loan with Wells Fargo. 

XXXX XXXX informed me that the bank would offer me a payment for {$1600.00} for this inconvenience, he then encouraged me to apply for the same loan 6 months later and would then have better approval odds. 

I then applied as instructed in XXXX and was denied for the same reasons up above minus not being a Wells Fargo customer and I recently applied in XXXX of XXXX and was denied for unjustifiable reasons as well. 

Please review and provide any assistance with getting this resolved my credit score is being impacted by each time I apply and no one seems to care!
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (CO)

I have XXXX negative accounts. on my credit report. One is XXXX XXXX Bank. Credit account amount for The XXXX # is XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is PNC bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX
Consumer complaint received 2019-10-23
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports 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 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

I deposited XXXX into my citi checking account on XXXX. I get emails saying my deposit has been accepted. I try to transfer funds over to my brokerage account and I can't do it. I call citibank and they say they can't verify the security deposit check from my former rental management company, after the company calls citi and gives them the information they need to verify the phone number of the company who issued this check the company tells me citi would call me about the matter, I never get a call from citi and they have blocked access to all my accounts without giving me a reason why, I've been in contact with citi for the last few weeks and they keep me on hold for 45 minutes without telling me why my accounts are blocked. I have never had issues before with my accounts until the deposit of this check which has been verified.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have tried to utilize their debt assistance program and they refuse to acknowledge nor contact me back when they claim they will help me during a financial hardship. This has led me to multiple attempts to reach them and find out the status of my hardship approval, with no ability to receive an answer. This has caused me to become delinquent on my credit reports and account and I am unable to now fix the issue and clear what they did wrong. This could have been avoided if they had allowed me the ability to utilize their hardship program or even if they advised I was denied- yet they would not respond at ALL ; even 3 months later ( which I am now 4-5 months delinquent and I dont have the ability to pay them as they demand ). 
I am seeing this as a repeated issue that is being reported to the proper financial authorities but I have yet to see a response or resolution. 

Please help me with NFCU and their false advertising of their hardship programs and financial assistance! They have ruined my credit now!
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (VA)

On XX/XX/2023 I had XXXX XXXX in my cash app prepaid card savings account. 
I also had XXXX XXXX that was in the cash app cash card account. 
When moving the savings balance to the cash " card '' balance the whole amount XXXX XXXX XXXX was taken out of the account. 
I then contacted customer support and was told there had been a mistake and I wasn't charged from a previous purchase I made. 
I asked why I couldn't see the activity on my account that would justify the money being taken out of my account? 
The representative suggested I look for a completed purchase in XX/XX/2023 from XXXX. 
The representative suggested I look between the dates XXXX XXXX. 
And that the purchase was authorized then but the money wasn't taken out of the account. 
There was no negative balance or anything that would support Cash Apps claim. 
2 days later on XX/XX/XXXX a family member sent me XXXX XXXX and the whole XXXX XXXX was taken from my account without showing on the ledger or account activity page. 
when I tried to reach customer service I received no response and my account was closed my balance wasn't recovered and I have no access to XXXX XXXX  that is in the account. 
Now on XX/XX/XXXX I have access to the account but I still haven't heard from customer service not even their standard away response.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

An exorbitant late fee was assessed on my Victoria Secret newly opened credit card. They claim that the payment was received late when it was mailed well in advance. They refuse to take the charge off the account because I want to close the account. I told them they will need to both take the charge off and close the account. I believe what they are doing is offering a discount at point of purchase and then earning it back by charging a late fee on the account on the first payment. 

They claim that they are the same as other Comenity Bank credit cards. Other store credit cards with Comenity make the bill easy to pay electronically and put the account number on the bill. The account number is missing from the Victoria Secret bill and they charge a late charge of {$30.00} that appears to be non negotiable. I have not even received my credit card yet! Customer service also has a tendency to put the customer on hold and then hang up on the customer. It all appears to be a bit shady. I want to report it because I seriously think they are bordering on fraud.
Consumer complaint received 2019-10-23
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)

I have opened 4 disputes with Equifax about wrong late payment with my XXXX account. 
All other bureaus do not report these late payments. I have contacted XXXX credit bureau and they resent the correct information to Equifax at least 2-3 times. 
Equifax does not seem to care to properly check what was sent to them Last report sent from XXXX to equifax was on XX/XX/2019.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Bankruptcy Chapter XXXX DOCKET # XXXX This BK was dismissed in XX/XX/XXXX but my credit report shows the discharge status as XX/XX/XXXX. This is preventing me from getting approval on my home home and needs to be corrected or deleted immediately.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Aligned Company DBA Extra (TX)

I signed up for a company called EXTRA and their debit card program which said that it will help to build credit as we do transactions from their card. I created an account and signed up and sent in an application. First of all the application process took more than 3 months. After that the card never arrived. 
They said some documents had been pending and I will have to submit them through their application. Which I did. The documents then are in the review and its been more than a month the documents are in review. When I speak to the customer service they say that they did not receive the documents and ask me to submit. There is no place to submit the documents through the app and they insist. This way I have been going back and forth for more than 1 month now. Moreover all this time they are still debiting the fees from my account as it is automatically linked. 
It is a mess. I have asked them to cancel my card but that is also pending as they have to get the documents. The company says that there is a technical problem and their technical team is working to solve it. This is also going on for a week. I am so irritated. This company seems like a fraud. They clearly mentioned they will not charge any fees but they are charging. Please help me.
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have ask over and over for Experian XXXX disput thru letter to Investigated and Re-investigated XXXX XXXX I so as well keep ask XXXX XXXX thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both Experian and XXXX XXXX both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have been attempting to settle the forebearances and default on my student loans for 10 years. I have answered my phone, cooperated with both XXXX and XXXX  XXXX   XXXX by filling out forms, returning their forms, calling customer service, speaking to customer service, but they have refused to process anything I have sent, and have wasted 10 years of my time. My payments and treasury offsets for my tax refunds are not showing up anywhere, despite the fact that my Federal refunds have been garnished for 5 years. They have harassed me with daily mail, phone calls, and wage garnishment notices, while refusing to give me a hearing. I was in the class in a class action lawsuit in Virginia against XXXX XXXX XXXX, and they were ordered by that court to cease and desist the fake wage garnishment notices without first offering a hearing. They have now blocked my phone and email from any further communications.
Consumer complaint received 2022-09-21
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I am attempting to close on the sale of my house in DC. In 2003, before I bought the property Wells Fargo Bank placed a lien on the property. The lien was placed in error and should have been on another property owned by the person who sold me my house. It existed when I bought the house but was indemnified and told to purchase title insurance, which I did. At the time, I assumed the error would be corrected by the title company I was using ( XXXX XXXX ). It was not corrected, and is now holding up the closing as I am attempting to sell my property. Wells Fargo has admitted its error, but as not corrected it yet. The processing error of the refinance is causing me material damage. I have to pay the interest extension until the property is cleared. It is also holding up the closing of another property in Maine that I have purchased, not to mention increasing my storage costs for my personal property since I have moved out of my house anticipating the closing. I am in limbo staying with family until the matter is resolved.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Collection Systems, Inc. (MO)

I had a {$300.00} tuition balance issue from XXXX XXXX College of XXXX  XXXX end up with a collection company National Credit Management XX/XX/XXXX. After finding out about the collection and speaking with the school XXXX and to National Credit Management I was informed that if paid the collection would be deleted off my reports. I paid this debt on XX/XX/XXXX under the condition PAID FOR DELETION. However, this debt still shows as a collection account on my credit reports. I have spoken to National Credit Management and they state I have to speak to XXXX and when I call XXXX  they state I have to speak to National Credit Management. I am getting the run around after I did what I was supposed to do on XX/XX/XXXX so they need to honor their PAID FOR DELETION agreement. I've since graduated from XXXX and now back to fighting this battle to get this handled as accordingly. I have recently written a letter to several directors at XXXX and left a message for the dean 's office since National Credit Management will not do what they are supposed to do. They are the reporting company to my credit reports. Companies should not be able to treat consumers this way. I did my part so their part needs to be done.
Consumer complaint received 2022-06-30
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. (FL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXX 5. XXXX XXXX XXXX XXXX  Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.