davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
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. (NV)

this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. 

A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. 

I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. 

Thank you
Consumer complaint received 2021-11-27
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. (OH)

XXXX XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting. 


XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$4100.00} {$3600.00} Credit Limit : {$3000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Albert Corporation (NY)

I tried to use my " Albert '' prepaid debit card on Thursday XX/XX/XXXX at the gas station. The transaction kept failing. I checked the account funds were/are available however it shows " your card is currently unavailable ''. It usually shows the virtual card however now it doesn't show any information other than my name. 
I have sent text messages, emails, called XXXX XXXX called customer service. You can't speak to anyone about your account, refers you to the app to send email or text. 
My direct deposit goes into this account, I can't buy food, get my medication or pay my rent. No one has responded to me. Please help me with this.
Consumer complaint received 2018-01-06
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: JPMORGAN CHASE & CO. (NY)

Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.
Consumer complaint received 2021-11-27
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. (NC)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX  Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$180.00}
Consumer complaint received 2017-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

I 'm stationed overseas and I can not pay my credit card company. It has drastically affected my XXXX XXXX and they 've offered almost no help at all. Capital One requires a credit card number to log in online but I do not have a card any more. I reported it lost several months ago. They can not issue me another card because my account is locked due to it 's past due status. I may call them, but in XXXX, XXXX numbers are not recognized by the cell phone carriers, so I 'm charged {$1.00} per minute. I spent {$20.00} last month and {$25.00} calling them just now ( XXXX ), only to learn there is n't anything I can do other than continue to pay exorbitant prices to call and pay over the phone. 

Best Regards.
Consumer complaint received 2023-01-18
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I am very frustrated with Navient. I have called them many times about the issues represented and each one continues to impact me in a confusing and negative way. I feel that they have wronged me in their communication and management of these issues. 
I was placed in deferment without consultation, both in XXXX of this year and in XXXX of this year. I called both times to cancel the deferment. During the XXXX deferment call to Navient the customer representative told me it would be wiser if I stayed in deferment because interest would not be collected on one of my loans. So I choose to stay in deferment. 
I received 2 emails on XXXX XXXX saying my deferment was approved due to being in-school. I felt this was correct as I had spent a lot of time on the phone with a representative ensuring that I stayed in deferment. 
THIS IS THE IMPORTANT PART. During the XXXX log-in to navient.com I also realized something weird was happening with loan number 1. You see, I had paid it off in XXXX, on either the XXXX or the XXXX. Navient.com fails to show where the payments were allocated, only that the payment occurred, so I can not track which payment went where. I was alarmed to see that during XXXX, loan number 1 was owed XXXX XXXX How can a payment be negative I wondered? I called Navient again. I was told that a loan being paid in full took weeks to process, and in that time the XXXX $ would be re-allocated to another loan. There is no evidence that this ever occurred. I never received an email or payment to my bank account. 
Fast forward to today. There is no evidence that this re-allocation occurred. Though I received an email XXXX XXXX that loan number one was paid in full, today, XXXX XXXX, it is listed as under auto-pay. I received an email on the XXXX of XXXX saying thanks for the payment of {$250.00}, which apparently was taken out of my accounts without my permission as I have been in deferment for over 2 weeks, and which was apparently taken out for a loan that I 'd already received an email confirmation had been paid in full. Today, XXXX XXXX, loan number 1 is listed as XXXX XXXX I called today to inquire into this matter and was simply told, it takes 2-3 weeks to process everything and I would receive a message when that XXXX $ was re-allocated. I ca n't trust this as I never received notification that the original XXXX $ in XXXX was re-allocated or returned to my bank account. I can not trust this because although I paid off that loan more than 1 month ago it is still showing up in the unpaid area of my loan page. I can not trust this because although I 've been in deferment for more than XXXX weeks loan number 1 is still listed as being in Auto Pay. 
Please help me. I believe Navient is treating me in an unfair and unjust way, and that they are no longer behaving as if they are accountable for the money I am sending them. This is causing me a lot of stress. Thank you for your time.
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

I borrowed {$1000.00} fro XXXX XXXX XXXX. XXXX XXXX failed to disclose that they are under investigation by CFBP for their lending practices. In addition, they are not licensed to issue loans in the State of Washington, where I am a resident. 

If I were made aware of this issue, I would not have obtained the loan.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. 

I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. 

Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). 

I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. 

So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here.
4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. 

So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. 

I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ).
6 ) If I reapply, I will lose the {$200.00} promotional offer.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXXXXXX XXXX is reporting my account ending in XXXX incorrect to EQUIFAX Credit Bureau ( ONLY EQUIFAX ) In the field titled Date of Major Delinquency Reported XXXX XXXX  has this date as XX/XX/XXXX - this is entirely incorrect! 

The date in this field should be XX/XX/XXXX. 

Please update. By havingXX/XX/XXXXin that field its re-aging the debt on my report. 

The date of first delinquency is Correct. 
The date of Major Delinquency is INCORRECT. 
It should be XX/XX/XXXX as well.
Consumer complaint received 2021-11-27
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)

The following XXXX XXXX XXXX XXXX account has no data for XXXX or XXXX, due to inaccruate reporting. I have tried ovr and over to fix the same issue with Experian. Reporting needs to be accurate across all bureaus, especially if companies are reporting the SAME information. 

XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX  Code : Individual Account Status : Open Monthly Payment : {$470.00} Date Opened :XX/XX/XXXX Balance : {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$28000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXComments : **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Date Last Active :XX/XX/XXXX Date of Last Payment :XX/XX/XXXX
Consumer complaint received 2021-11-27
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. (FL)

I have submitted XXXX disputes with TransUnion, XXXX Disputes with XXXX, XXXX disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A..XXXX XXXX XXXXXXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX XXXX XXXX If XXXX could not verify this account per the XXXX, How are TransUnion and XXXX doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, TransUnion - XXXX Letters XXXX - XXXX Letters
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (NY)

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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report 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 XXXX Account Number : XXXX