davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. (TX)

XXXX Account # Account Number : XXXX Charged Off XX/XX/XXXX. 
Sold Off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Settled in Full with XXXX XXXX on XX/XX/XXXX. Representative that assisted me was named XXXX at XXXX. 
Settlement was with the agreement for XXXX/XXXX to be deleted from my credit report. However 9 months later they have not deleted XXXX from my report and now say there is nothing they can do. 
My complaint is that deceptive tactics were used to collect money from me at the time of my settlement with XXXX. XXXX XXXX or XXXX XXXX XXXX was deleted and XXXX/XXXX remains on my credit reports. I followed up with XXXX or XXXX and they say they have done their part and deleted XXXX but that there is nothing that can be done with the original creditor XXXX/XXXX   which is not what we had agreed to when they took my money or collected. I feel that clearer expectations should have been made prior to collecting on the debt. I was told that XXXX/XXXX would be removed as part of our agreement. 

Also, Spoke to a Experian representative about inaccurate balance history and the Experian representative said that performing a dispute would be a waste of time for the creditor and that if they did not respond that nothing could be done about the inaccurate balance reporting. The representative specifically said that XXXX has control over the reporting and there is nothing they can do. ( even if I provide evidence to them ) Credit Bureau Experian insists on retaining incorrect balance information even with no response from back from XXXX/XXXX. They summarize their investigation with " Purchased by another lender. '' Meanwhile XXXX the lender who purchased the account insists that there is nothing they can do about the reporting despite our pay for deletion request and despite incorrect balance reporting. I am stuck between a rock and a hard place with neither XXXX delivering on their promise or Experian willing to address the mistakes in reporting despite a clear letter sent from XXXX to me. 

XXXX mailed me a statement indicating that my final balance should reflect {$1700.00} meanwhile Experian continues to report that the account was charged off with a balance of {$1900.00} written off. ( attached a document of XXXX XXXX   validation statement ) which was mailed to me at some point in XXXX. 
This is the investigation summary from Experian : Report Number : XXXX Date Generated : XX/XX/XXXX Recently Closed Dispute with Experian. 
Comments from Experian Completed investigation of FCRA dispute - consumer disagrees. 

Purchased by another lender. 

Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc. (CA)

All the information they have provided turned out to be false. They keep making excuses and stalling. At this point my school has already sent them the refund but they keep denying this and have said they never received this. The last time they even sent my school the wrong refund and it took about a month and a half to get it resolved only for them to stall it longer.
Consumer complaint received 2023-03-17
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. (GA)

Transunion has still yet to remove XXXXXXXX XXXX  from my credit file. I sent over documentation and letters attached through the Consumer Protection Bureau and documentation from XXXX XXXX XXXX and XXXX has followed all guidelines and removed XXXX from credit file when everything was sent over last year. Since Transunion has failed to remove this account I will begin the process of filing a lawsuit against Transunion. I dont owe XXXX XXXX never have. XXXXXXXX XXXX does not own this account. As stated before XXXX and XXXX removed account as soon as they received all the information that the Consumer Financial Bureau forwarded to all credit bureaus. So at this point Transunion is responsible for the drop in my credit score and negligence thats on my credit file. Transunion is benefiting and gaining profit by reporting this fraudulent account.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I contacted Wells Fargo regards the account I have with them. Wells Fargo informed me they will closed all my account because of the unusual activities as another person tried to deposit the fradulent check into my bank account without my knowledge. On Friday XXXX XXXX, 2023 I received the called from Wells Fargo informed all my Wells Fargo account are processing in closing because of fradulent check. I was surprise because I did not deposit all of the check this day. I informed Wells Fargo the check deposit into my saving account is not made by me but made from someone else. I went to the bank next day to resolve it, the banker called the Prevention & loss team hotline, they explained to me and the banker that we have XXXX options : First provide the physical check, another option is filed police report and dispute the activities. 
Then, I chose the XXXX option which disputing the activities over the phone with the banker assisted me while seating in his office. The dispute has already been claim on that day and they informed me if the decision is on my favor, it's mean I am not responsible to that activities and they are able to reopened my account. 
I also reported the fraudulent criminal to police department as well as identity.gov website and fax all of requirement documentation to the Prevention and loss team fax number as the representative provide to me, the fax number is : XXXX. It was succesfully faxed on XX/XX/2023. 
I called the Prevention and loss team everday as well as Wells Fargo online claim as well and they are informed me the same things with my claim is under processing and I will have the decision on XXXX business days which is XX/XX/2023. I received the mail froom XXXX informed the claim has been completed and the decision is I am not responsible for that incident and they clear it on my saving account. I then contacted the Prevention and loss team on XX/XX/2023, I spoke with XXXX representative and they informed even the decision is on my side they are not able to reopen the account to me. I then request to speak with the upper management, the rep informed me I have to wait XXXX hrs for called back. 
On XX/XX/2023, at XXXX XXXX I received the call from Wells Fargo Upper Management to discuss about the decision, I explained my situation and she said it's my responsible and Wells Fargo will not reopened the account even I provided all requirement documentation. I informed her I fax all documents to Wells-Fargo prevention and loss team and she informed me her department did not received any documents from my end even on XX/XX/2023, the XXXX representative I spoke informed me they have received documentation from my fax number ( XXXX ), after I informed her that information she was soo rude and informed me her department never received any documents fax to her department. I then asked for the fax number to resend it and she denied to give me the fax number without any reason.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 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 Any 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I

submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. 

This email was furnished to me directly from XXXX client XXXX XXXX. 

To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. 

2nd attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23, Chase rejected a funds transfer scheduled from an external bank account via their app in the amount of {$8000.00} stating that they were unable to verify ownership. On XX/XX/23, Chase blocked an attempt to send the funds directly to them from the external account. When I advised Chase that I had made a total of 8 previous funds transfers using this same account between XXXX totaling {$80000.00}, they were unable to provide an explanation on why the previous transfers went through if account ownership was not verified. I advised them that both accounts were owned by me, but Chase refused to provide options to correct the issue or a timeframe of when it may be corrected. Chase is personally benefiting from the decision to reject my funds transfer - I have 3 Chase credit cards due on XX/XX/23 that will each incur a late fee of up to {$40.00} due to not being able to access my funds. Chase advised me that I could perform a wire transfer which will cost {$35.00}, but refused to approve a reimbursement of this fee if I chose to use this option.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

My account information with Equifax was breached and I have filed a claim for the Equifax Data Breach Settlement. I have attached proof that my Equifax credit reporting account has been impacted by this breach ( as per Equifax 's confirmation in referencing me an engagement number XXXX ). Equifax has refused to delete this breached account : XXXX XXXX XXXX XXXX XXXXXXXX which is currently still reporting on my credit report.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I called Huntington Bank today to close my account but they refused to close it saying I must visit a branch. I do all of my banking online. It is unreasonable for Huntington to require me to appear in a branch to close a checking account.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Initially received a letter saying account hasn't been paid since XX/XX/XXXX  and with a {$500.00} larger monthly mortage. I called them to verify as have receipts of on-time payments. Get sent through the loops of transfers as they can verify me for the account for a week. They finally verify me and explains payments have been refused for partial payments and they will cancel the checks and apply to the balance. I am transferred to insurance where XXXX helps explain I haven't had insurance and needed to remedy it. I explain I wasn't notified but will try to fix it. I ask as I did not know of this issue if there were any way to appeal the fees and ask for financial assistance. I am told to submit in the documents and so the next day I submit in the new insurance documents. I am told to call back as documents will take time to process. I call back and they state documents needs to be resubmitted. I explain I am closing to the deadline and if there were anything to extend the deadline or prioritize my case. I am told to resubmit and call back later. I call back a few days later and they received the documents but will take 10 days to process. I explain that would overlap the deadline. They transfer me to a different department and this department states I am in the wrong department. I am 4 days away from being foreclosed and am stressed out. 

I have wasted multiple days off work to try to resolve this issue to only just be told to call a different department ( without assurance they'll help ). Fifth Third bank needs an open complaint portal so customers can report bad practice.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Southwest Credit Systems, L.P. (GA)

I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I spoke to a representative from XXXX, XXXX, and XXXX today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NY)

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX Dealer Services which I did not initiate, request and/or conduct any business with this company. XXXX XXXX Dealer Services dated XX/XX/2023
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WI)

On XX/XX/2023, I was the victim of identity theft. I learned that someone had opened a BestBuy credit card through CitiBank in my name without my authorization. This person made a single purchase at BestBuy with this new card. As soon as I learned of the purchase, I called BestBuy to report the fraud and close the account. I then called CitiBank to make the same report. I opened a fraud claim and created a PIN. I also created a fraud alert with the credit reporting agencies. I also filed an identity theft claim with the FTC, reference # XXXX. 

On XX/XX/XXXX, I again called BestBuy because I was still receiving emails from BestBuy about my account. I spoke with a customer care agent, and the agent " successfully sent an account closing request. '' On XX/XX/, I initiated a chat with BestBuy because I was still receiving bills and account statements. The person I chatted with assured me that the card had been cancelled and would not be sent to collections. However, I continued to receive bills from CitiBank. 

However, I continued to receive bills and calls from CitiBank about this debt. Whenever I answered the call, I was informed that the person calling about the debt could not access or do anything about the fraud claim. So on XXXX XXXX XXXX, I called CitiBank consumer protection. I spoke with someone named XXXX. She told me that this account showed a " confirmed active fraud claim '' and assured me that I would receive a letter in the mail to that effect. I was also told that it would not be sent to collections. 

One month later, the calls and letters from CitiBank continue. One week ago, I received a letter in the mail indicating that the account would be sent to collections. Feeling out of options and dismayed by CitiBank 's inability to facilitate communications between its consumer protection unit and its collection unit, I have turned to the CFPB. I continue to suffer from CitiBank 's intransigence. On XX/XX/XXXX, my credit score was XXXX. Today, it still records a " late '' debt that was due to fraud and my credit score is XXXX.
Consumer complaint received 2021-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital ONE Auto Fin keep showing up on my credit Im not applying for it so i dont know why its showing up on my credit! I call them about this and they say i have to call XXXX. When i call XXXX they say I have to call the creditor Capital One. Stop pulling my XXXX credit! Do not pull my XXXX credit again!
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AK)

I had a Macy 's card several years ago and I fell behind on the payments. The amount was added for collections and I have since paid off the amount. I have since reconciled the account and paid and closed the account but it still shows on my credit report. I have attempted to contact Macy 's to have the account removed but I never receive any assistance or solutions.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank has been blocking online access to all accounts for several weeks. They are forcing acceptance to a XXXX XXXXXXXX XXXX agreement. This PDF is 125 pages long! I do not have the time, patience, and possibly the competence ( due to the complexity and length of legal language within ) to fully read and understand such terms. This is an abuse of power by one of the few national banks, to a decades long customer.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (ID)

I believe I should be included in the class action lawsuit against Wells Fargo. I had a vehicle loan and my payments we misapplied .... therefore resulting in my vehicle being repossessed. I called the bank and advised I had made my payments and had the copies of the checks cashed as proof. They said my vehicle was already sold so I wouldn't be able to get my car back. My credit was messed up showing a repossession which prevented me from obtaining another vehicle loan at a price I could afford. According to the website, " For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' Due to Wells Fargo 's error, my life was turned upside down for years. 

XXXX XXXX ( maiden name XXXX ) XXXX XXXX vehicle loan. 

I have called wells fargo and have not received a call back.