davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.
Consumer complaint received 2017-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (HI)

They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

On this day, XXXX XXXX 2016, I called Wellsfargo to close out my last checking account. After calling the bank in request to close the account. I noticed after 10 minutes that my account ( s ) were still open and accessible online. The account balance is {$0.00} with no balance owed. However under Transactions I show : " PAYOFF DEBIT, NON-INTEREST WITHOUT FEE ''. When I called wellsfargo back to have the online account access deleted/cancelled/removed and ask for a cancel/closed account receipt ; the bank refused to assist. The bank customer service transfer me to a supervisor by the name of : " XXXX XXXX '' who repeated that the bank would n't assist with sending me a cancel/closed account receipt via email, fax or USMAIL. I informed her that this is the reason why I 'm leaving Wellsfargo. ( This request is reasonable and is doable in the branch. ) I informed her that I would be filing a complaint as nothing I 'm request is unreasonable. I 'm trying to protect my identity the bank, Wellsfargo, has refused to take steps to protect me as a consumer and this is the reason for this complaint.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion has deleted 14 months of information on the account " XXXX '' causing the account to remain well over 7 years on the report. Enclosed you will see my Transunion report of XX/XX/XXXX. It shows the DOFD on this account at XX/XX/XXXX. I was expecting this account to drop off around XX/XX/XXXX. 
But then, for some unknown reason, notice the enclosed report of XX/XX/XXXX. It shows the payment information DELETED from XX/XX/XXXX to XX/XX/XXXX causing the DOFD to be moved to XX/XX/XXXX. Which has caused this account to remain on file. You can clearly see that they simply deleted 14 months of information. Transunion says this account is updated and correct even after I MAILED this information to them! 
I 've been fighting this for months now and am trying to avoid legal ( $ $ $ ) action.
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (UT)

I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '. 

I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above. 

I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? XXXX XXXX, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TN)

Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-05
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Accounts & Advisers, Inc. (MN)

The dispute i currently have is with Suburban emergency associates over a bill they did not properly bill or explain the charges on the bill. i asked them more then once for itemized records of where the numbers they have are coming from as i do not think i received the services they are billing for. Next thing i know there is a collection agency calling and sending letters threatening to sue me if i do not pay now. I responded to them asking that the matter be sent back to the service provider so i can try to get the correct bill amount and explanation they responded by threats of law suit.
Consumer complaint received 2016-05-02
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SECURITY FINANCE CORP (TX)

Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (IA)

Investigation Request Letter To Whom It May Concern : I reviewed my Consumer Reports and noticed that there was inaccurate information on my credit report XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX # XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted Experian and asked for them to investigate & remove the inaccurate 30 day late payment from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I opened my account with Citi Bank on XX/XX/XXXX. I promptly change my direct deposit information from the XXXX so that it would help fund the account. On XX/XX/XXXX I received notice via email that the account is restricted and will be closed. I then changed my direct deposit information with the XXXX  so that it would not be deposited into the now pending closing. I called Citi Bank and they assured my that the deposit would not go through and that it will be returned to the XXXX After calling today to get an update on the deposit, Citi Bank stated that the deposit completed and that I would have to wait 60 days for a paper check. This is after stating that because my account was restricted no deposits can be made.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Faire Credit Reporting Act, XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.
Consumer complaint received 2023-08-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX