davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
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: EQUIFAX, INC. (FL)

I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  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  Credit Unions   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  Telephone Companies WF  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 2016-11-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (ME)

In XX/XX/XXXX, I tried to update the account from which my auto-payments were being debited. The Wells Fargo online platform would not accept the change so I called in and gave the XXXX the routing and account numbers to my new bank account. On the same call, I asked that he close my credit card as I had no intention of using the credit anymore. He confirmed that my autopay was set up, my credit card account was closed and I didn't need to do anything further. Over the next XXXX months, WF reported my credit card as lost, opened at least XXXX additional account in my name, continued to auto-debit my " old '' account until the balance was drained to {$0.00}, refused to help me when I called customer service and crashed my near-perfect credit score for lack of payment, which they caused to be late. 
During that time, I opened at least XXXX cases with WF, XXXX with you ( CFPB ) and I've talked to XXXX lawyers who agree with my assessment that WF acted in bad faith ; however, I am still left without any help. And it feels supremely unfair to roll over and accept the demolition of my credit score because a corporation knew I had no way to protect myself. I understand that I am obligated to pay off my outstanding balance, but WF is also obligated to restore my credit score.

Please note that each time they sent me a letter saying the autopay was not set up correctly, I called in and WF was able to immediately debit the exact account which they claimed they could not access. 

If needed, I have all of the following documents : the confusing and contradictory letters sent by various business under the WF 's umbrella, my phone records showing how frequently I called WF and also that WF never reached out to me, my credit card statements showing that WF closed my account and opened a new account number, because they reported to themselves that my card was lost or stolen, at least XXXX times since XXXX as well as a few other little things, like a screen shot of me enrolling in their text notifications system, which also never once reached out to me.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

Compass Bank Accessed a {$38.00} fee on XX/XX/XXXXfor {$10.00} despite the fact that I had a deposit of {$1400.00} in the account. The customer service rep I spoke with on a recorded line stated the put the {$10.00} through on the XXXX. They money was available as if the date. The recording clearly states the date. If the rep had stated the XXXX, that would be a different story. However, with the recording they can not back track now.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I received the letter saying they were going to force flood insurance on us for our property being in a flood zone however our property is not in a flood zone. Citizens have the same property documents that I have access to if not more. Each time I try to call I am transferred or disconnected or on hold for over 45 minutes just to speak to a person. This is frustrating as the letter they send does not include details on how to handle the situation when their research is wrong and only allows for us to purchase our own flood insurance or they will force flood insurance on us. We should be given clear direction of how to protest their flood insurance requirement. I have provided them the standard flood hazard determination form that was filled out by a company named XXXX in XXXX at 2021. This document should be acceptable as the prior rep at citizens told me that I could get a form from XXXX which is XXXX 's competitor. I have the survey which shows the property is not located in the flood zone. The county website has flood zone maps also showing my property is not in a flood zone.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MN)

On XX/XX/2023 I received an alert that there was suspicious activity on my Discover bank account and to call in immediately. I called and it took about 45 minutes for them to tell me a business decision was made and my checking and savings account would be frozen immediately and I would receive a check with the rest of my funds within 10-15 business days. The suspicious activity was from over a month ago when I accidentally pressed the wrong bank account number from the drop down menu when transferring {$300.00} from my savings to my checking account. As soon as I realized what happened I deleted the old account from the account and transferred the {$300.00} from the correct savings account. The transaction was reversed, so no money was ever transferred. I have never had an overdraft fee or any other issues that would warrant such a drastic decision. I asked to speak to a supervisor who then transferred me to XXXX in the fraud department. XXXX looked at the account and said he would call back by XXXX central time after he could look into the account more and contacting the other bank. He never called back, I called this morning and same response. How am I supposed to just not have my money for 2 weeks? I am going to get charged fees from places that I have set up with automatic bill pay. I have no way to pull up my account, so I just have to take Discovers word that they returned all of my money to me? The only fraud on my account was from Discover!
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX XXXX XXXX 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX... 
XXXX CARD : XXXX... 
XXXX XXXX BANK : XXXX... 
XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX credit card is falsely reporting my credit card account over the limit. When I emailed them they said 6 to 8 weeks to process the change with the bureaus after they report. I thought credit reports are supposed to be updated every 30 days. My credit report has not been updated since XXXX. I also attached a {$500.00} payment from my checking account to XXXX on XX/XX/23. So if my balance is {$1500.00} and I paid {$500.00} in XXXX no way can I be over the limit on a card I shredded and dont swipe anymore. This is a violation of my consumer rights under the fair credit reporting act. See attachments TransUnion even sent me a verification letter as of XX/XX/23 showing they validated false information. Also attached
Consumer complaint received 2023-02-14
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. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-02-14
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

I have a Student loan I got through XXXX College in XXXX. It went into collections, after it went into collections they said that I could qualify for a lower payment. I did that and got a lower payment but it was only for XXXX payments that it was lower. I could not pay the amount that they were wanting so I asked about a lower payment. they said they would send me information and a form to fill out to get a lower payment, I never seen one I called in a week after they said that they would send it and they said that they were sorry they would resend it. I have not received anything from the company about a lower payment and now the loan is probably in collections again. I am tired of calling and trying to get this form when I hear the same thing over and over ( we are sorry and we will get that out and you should receive it with in 3-5 business days ). I have been having this issue since I started trying to paying them and I am hoping that I can get this resolved.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

PORTFOLIO RECOVERY SERVICES OUT OF GEORGIA CALLED MY WORKPLACE TRYING TO COLLECT ON A SEVERAL YEAR OLD DEBT FROM XXXX XXXX CREDIT CARD. I DEMANDED THAT THEY NEVER CALL ME AT WORK, AND THEY SAID THEY WILL CALL WHENEVER THEY WANT. THIS CALL CAUSED ME GREAT EMBARRASSMENT WITH MY STAFF DISCLOSING THAT I HAVE A DEBT IN COLLECTIONS.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX Experian Immediate deletion It doesnt show on XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (SC)

I have bank with the following Banks in XXXX SC XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and TD Bank and now XXXX XXXX. This complaint is about TD Bank and XXXX XXXX XXXX bank both these banks is where XXXX XXXX have worked and possibly XXXX XXXX  XXXX where I have had money stolen from and identity. When I started having problems with TD Bank I recognize who she was from other bank her name now is XXXX XXXX XXXX. I told her that I recognize her and we talked for some time in her office. I immediately left and called to speak to someone in a regional office XXXX who never returned phone call after his first intinal call. I told him my account was coming up short for the past couple of months since XXXX XXXX XXXX was there and I would add up everything and call back but he didn't return call. I have had XXXX XXXX dollars stolen from XXXX XXXX XXXX XXXX  and XXXX from XXXX XXXX XXXX and TD Bank at least XXXX .I don't know what to do please help me about this situation that is getting worse instead of better I am tired of being bullied by whomever causes me all kinds of problems with bills and identity theft issues. Someone also has a duplicate copy of my XXXX and tried to get money from bank account at TD Bank but XXXX XXXX XXXX recognize person wasn't me I got a police report number and tried to get footage but XXXX said I need to have the exact date and time. I need someone to look at what has happened to me at TD Bank my account I left soon as I recognize XXXX because I started having so many problems and alert coming to my phone day and night I just took the last money I had and went to another bank so person kept trying to get money from ATM at XXXX I would get alerts to my phone person drives a gray car what kind I don't know but XXXX XXXX XXXX at Bank when it happen XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information orAny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason