davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am trying to pull my own Equifax credit report, but my online acces to do so has been restricted.   Even when I pay to access my Equifax credit report online, I am only provided my old information.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (GA)

Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
Consumer complaint received 2017-07-20
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. (TX)

There are re-added hard credit inquiries on my TransUnion account that were previously deleted and added back again to my account again. I 'm requesting that these be permanently deleted per my legal rights have been adversely affected. I will be following up in 30 days.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NowackHoward LLC (GA)

On XX/XX/XXXX, I was served with a civil suit for a collection company Nowack Howard on behalf of XXXX XXXX for HOA fees. According to the civil suit, I was accused of not attempting to work out my debt with the collections company. This was not true. 

I spoke with XXXX XXXX, employee of Nowack Howard, and notified her about my financial situation. In our conversation, I told her that the house was on the market for sale and needed to workout any fees. On XX/XX/XXXX, I received a follow up call from XXXX XXXX XXXX, an employee of Nowack Howard. She notified me that everything was clear and emailed me a lien release. I still have the email. 

After receiving the civil suit, I tried numerous times to call and work with someone at Nowack Howard. Finally, I received a call from the Collections Manager, XXXX, and she was supposed to provide an account statement. However, she never did. 

On XX/XX/XXXX, I received a call from XXXX XXXX, and she was able to assist. I told XXXX about the lien release from XXXX, and she said that she sent the wrong information. I offered two settlement offers to the HOA because I did n't agree with the services rendered and all the cost associated. Both of the offers were declined. 

On XX/XX/XXXX, I started seeking legal advice. An attorney pointed out that I needed to answer the complaint with the courts and utilize my grace period. I thought I was supposed to work with the Collections Department at Nowack Howard. On XX/XX/XXXX, I filed an answer to the complaint. 

Due to not having adequate time to research, I ended up being forced to pay all fees, including attorney fees because we have a closing coming up on the house. Nowack Howard did not take proper responsibility for their actions. However, they took the opportunity of my lack of knowledge in the court process to gain money during my financial distress.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WV)

I have several accounts on my Experian personal credit report that are not mine and I have asked them to verify those accounts which they claim they have done and will not remove them. The problem is because my name has the " II '' at the end and I believe someone with a similar name is having accounts show up on my credit report. Many of the accounts do not have the " II '' at the end of my name and the address does not match. I have sent them my drivers license, utility bills, social security card, etc and they still claim that the information is accurate.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I had applied to modify my loan to try to get a lower interest rate because, from all guidelines, I qualified. I submitted my application and was approved BUT the new loan was ridiculous and would have extended my mortgage by another 10 years AND increased my monthly payment which would be crazy for me to accept so I wrote and declined the modification and told Ditech I was sticking with my existing mortgage agreement. That was 4 months ago and I have made two monthly payments that the bank has put in " suspense ''. I kept calling and have been told it is because my loan in is " Loan modification review status '' which is just not truly. I spoke last week to " XXXX '' and have all the time/date/extension details. She told me it would take 24 hours but she sees that I rejected the modification offer but because I did it in writing and not on the phone, there was a problem? She said she would fix it within 24 hours and now it has been many days STILL and it has still not been fixed and my amount due shows a HUGE $ amount because I have two full, complete, total payments put into " suspense ''. Please help me!
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (TX)

I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!
Consumer complaint received 2017-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Credit Control Services has been reporting to the major consumer credit reporting agencies that I have a delinquent auto insurance account. However, this is not something which I owe. I have disputed this account on the various reporting bureaus and it is being verified as accurate, despite me giving a thorough explanation of what happened. I discontinued my policy with XXXX XXXX XXXX because I no longer had owned a vehicle. I should think this common sense that I would not be paying to insure a car which I no longer owned, or any vehicle at all. XXXX was aware of this and said coverage would be cancelled. Now, it 's showing up on my credit as a {$970.00} unpaid collection. I never received a bill from them. I paid all of my bills on time, so I had a XXXX balance when I cancelled the service. There is no reason I should owe almost $ 1k. And there is certainly no reason my credit should be damaged by this erroneous charge.
Consumer complaint received 2017-07-20
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. (TX)

I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A. (MA)

The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau XXXX # XXXX
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (TX)

( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint.
Consumer complaint received 2017-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am a customer with Chase bank and on Sunday  XXXX   XXXX   I tried to make a transaction for about {$20.00} at a restaurant and was told that my debit card was declined. At first I thought that it might have been the merchant 's mistake. I then tried to use the card that afternoon for a {$30.00} grocery store payment and was told that my card was declined. This really was surprising since I had more than enough money in my account to cover both costs incurred that day. When I called  Chase ' s  " 24hr  '' Customer Service line, the woman proceeded to tell me that a restriction had been placed on my account. After much back and forth, she explained that the restriction was accidentally placed on my account by Chase. She then told me that the one dept. that would be able to help me was closed on weekends and that I would have to inquire about the matter on Monday in person at a bank branch. Of course in finding this out I was furious especially since  Chase was so negligent in not sending me any notification regarding the restriction being placed on my account, not giving me any additional information about the matter and basically not caring about one of thier customers. Thankfully I was able to go into a bank branch the next day and resolve the matter which took about an hour and event the person that helped me was having trouble at first ( which was at no fault of hers as she was very helpful ). Never in my life have I experienced such negligence from a bank. Chase handled this matter very haphazardly and extremely sloppy. I know they do n't care about my " Little '' bank account but regardless of the status of the account holder, Chase should be vigilant in correcting THEIR MISTAKES and their customers should n't have to feel li  ke they are an afterthought. I do plan on closing my account and taking my business to another bank. Shame on you Chase.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX
Consumer complaint received 2017-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.
Consumer complaint received 2017-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

this is to piggy back on my claim XXXX They never got back to me. So why is this case closed? They gave me false information which I contested and after contesting it the claim closed without a response. And recently my loan interest went up again 3 % without my knowledge. I still have not been getting responses in the mail as I requested. When I asked if I can refinance they told me that I can, which is false ... they dont do refinancing, their " refinancing '' is interest only payments. At no time do they lower the interest rate. And they are not forthcoming that this is " interest only ''. I found out it was " interest only '' after asking a series of questions and asking what my new interest rate will be. They said it doesnt change and I would be paying interest only. Well, that is not refinancing. So I told them no, dont do that, I would never get the loans paid off all they would continue to make money off of me ... So they lied to me about lowering my interest. So recently I have been paying more on my student loans, as I would like to pay down the principle. And so their way of making more money off of me ( since I have been paying down the principle they are charging less interest ) is to increase my interest by 3 % on some of the loans ... So my increased payments mean nothing as now I am being charged more for interest. This is beyond bad business practice and does not have the lenders best interest in mind.
Consumer complaint received 2017-08-21
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. (GA)

After discussing how much i make and how much I spend on bills. It was determined that i can still make the payment to them and be left with {$30.00}. Getting paid bi weekly. That is unfair and it 's unrealistic.
Consumer complaint received 2017-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXXand a second XX/XX/XXXX ... Both of which are still under investigation with XXXX with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
Consumer complaint received 2017-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about this problem.