davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, 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. (OR)

Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted Equifax directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? Equifax is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.
Consumer complaint received 2016-09-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (IA)

Electronic credit card payment was made from my bank account to Wells Fargo on XXXX XXXX, 2016. Wells Fargo received the money on that date, and it was deducted from my bank account. Wells Fargo did not credit my credit card account, but placed a " hold '' on the funds because it was a " large '' payment ( Approximately {$1900.00} ). to date ( XXXX XXXX, 2016 ) no resolution has been achieved despite repeated calls.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2022 Tried to login to TransUnion website to lift a freeze. After entering my username and password, I was asked to enter a code that would be sent to my email. No code was sent to my email. I tried again several times. I then tried, forgot my login information. Same thing, no code sent to my email. I called TransUnion at XXXX and was told that for online access, I needed to call XXXX. I called and was prompted to enter 1 for English. I did, but the prompt repeated several times. I entered 1 each time, but it did not accept. Then there was a menu of 6 items, none of which applied. Then the system hung up on me. There was no option for a live person. 
I then tried to contact TransUnion on XXXX and received message that they would respond in 24 hours. The response appeared and disconnected after I did not respond within 15 minutes. I tried again and was told that the unlock instructions were sent to my email. I did not receive them. I also tried their secure online help form ( screenshot attached ). After filling out my info 3 times, the screen went back to this page. This is unacceptable for a credit bureau.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (MS)

I received notification from a credit monitoring company that Allied Collection Service place my under collections for {$200.00} from XXXX. I immediately sent out a request for validation on XXXX by certified mail. 

I have never received information verifying this account. I also requested that XXXX due its due diligence according to federal law XXXX ( XXXX ) ( XXXX ) ( XXXX ) and Section XXXX ( XXXX ) ( XXXX ) ( XXXX ). 

I requested to promptly delete information that could not be verified.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Hello, I filed for bankruptcy in XXXX since then wells fargo has not been applying my mortgage payments to the account. I want to know what they are doing with these payments i am making. they tell me they do n't have a program set up to handle a payment when a person is in bankruptcy. i do n't believe that after all this other illegal stuff they are doing. when i get my resources back in order i will be leaving wells fargo for good. i do n't trust wells fargo anymore. i want my payments applied to my account!
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WI)

To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX. 

XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX  and had internet service provided to my by XXXX  ( only Wifi, no equipment, cable or installation ).

*In XX/XX/XXXX I left my apartment in XXXX  and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge! 

*I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed. 

I can provide you with the account number and all the details to verify that by yourself *XXXX  has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this. 

*Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this. 

Thank you very much for your help.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (GA)

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, credit report, etc. The accounts are attached ( State Farm ), ( XXXX ), and ( Fair Collections original creditor is XXXX XXXX ).
Consumer complaint received 2020-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Valentine and Kebartas, Inc. (OH)

Company named Valentine & Kebartas keeps calling about a debt they purchased from XXXX, XXXX purchased from XXXX, XXXX was XXXX XXXX. I originally had my loan with XXXX XXXX. The company in question will continue to call my personal cellphone, then call my place of employment during the day. Tuesday after attempting to call my cell phone 5 different times from all different numbers they then proceeded to call my place of employment. I answered the phone and requested for the 4th time that they don't call my office ( this has happened before ). I told them to call back tomorrow, they did while i was at work, I told them to call me after work and I gave them a time that worked best for me. They called me back XX/XX/2020 at XXXX, I spoke with a gentleman who claimed to be the case manager. I told him that my wages are already being garnished for Federal Student loans and that I had just enough money to live on and no way to pay them. They then threatened me and said they would come after me. I stated that I already have my wages garnished, get in line with the rest of the loan servicing companies. He then got extremely upset, cursed at me and threatened me again. I got a fax today at work for employment verification, which I filled out and sent back. I have a feeling that they will continue to harass me and threaten me. I told him that his actions were unprofessional and unethical, that is when he got very angry at me, cursed at me and hung the phone up. I know my rights and I know that this is not how you should be treated. That is why i have decided to file this complaint.
Consumer complaint received 2018-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX  ) who had property for sale. XXXX  went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.
Consumer complaint received 2015-07-05
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (WA)

On or around XX/XX/2023 I tried to login to my Revolut bank account online and I couldn't. So I did what that asked me to do and talk with their customer service I did and I sent them all my info and selfie holding my id for them to verify it was my account they did and they told to wait 24 hours to reset my passcode I did and I still can't access my bank account. I have done all that 3 more times and no luck. I emailed them and asked if they would close the account and mail me a check for the balance of the account which is XXXX dollars and some change. They asked to verify my info again I did and they came back with talk to customer service again. It's been two almost two weeks of me sending and verifying my info and not being able to get my money. All I want is my money back from my account at the banking app Revolut. I just want the account closed and a check mailed to the address on my account so I can get my money. So please help me get this issue solved and to be honest shut down the banking app.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (GA)

The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (TX)

My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve
Consumer complaint received 2020-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hi, I deposited a check of amount {$100000.00} to my saving account in a branch office of Chase Bank on XX/XX/2020. Chase Bank held this deposit until XX/XX/2020. I sent a secure message on Chase online bank to inquire about this, the customer service reply me they did not reply my question through the secure message, I must call a phone no. if I want to know the reason. I do not want if this is a special way to treat their customer 's concerns. But I think they hold my deposit without any reason is unacceptable thing for me.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I login to my XXXX account online and its have somebody else social security number and I call XXXX to fixed the problem but didnt help
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.
Consumer complaint received 2020-02-27
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. (NV)

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX XXXX I Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I received a check of {$1100.00} on XX/XX/2022, from an individual who bought my item on XXXXXXXX This individual overpaid for the item in excess of {$920.00} and for that reason he asked me to refund him the balance after I deposited the check. I made the deposit through Navy Federal Credit Union app on XX/XX/2022 and an amount of {$220.00} was made available pending the clearance of the check. The remaining funds was made available after the next business day which was XX/XX/2022 which made me to believe the check was good because according to their mobile check deposit " Funds are available within 1 to 5 business days ''. However, this individual asked me to send the excess amount to two individuals on their XXXX account. First transfer to XXXX was an amount of {$220.00} and the second was {$690.00} after the check was cleared by Navy Federal Credit Union. 
On XX/XX/2022, Navy Federal withdrew my funds of {$1100.00} from my checking account so I called their customer service and also went to their branch in XXXX for explanation and according to them the check was bad. 
I am filing this complaint because my bank could not protect my funds in this situation since they allowed the check to be cleared in the first place and could not detect the check was a scam.