davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells fargo home mortgage has not made any attempt to help modify or refinance my mortgage for my husband who has recently passed away. I contacted wells fargo as well as a family member who spent a full day being transferred from department to department with no answer. Wells fargo has kept this mortgage at a high interest rate for many years when lower interest rates were available and equity has been available in the home. Refinance was not given as a option even during the time of the covid outbreak where income decreased, interest rates were at an all time low and my husband had medical issues Late fees of {$3900.00} were charged over the time of the loan with no offer to modify the date of the mortgage payment withdrawal to coincide with getting it paid before the social security check arrived.
Consumer complaint received 2022-03-08
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: Ability Recovery Services, LLC (PA)

Ability Recovery Services llc is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( XXXX and XXXX ). This is a violation of FCRA and if Ability Recovery Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, at around XXXX XXXX, I received a phone call from my bank ( SANTANDER ) fraud alert dept., inquiring of possible fraudulent activity on my acct. 
On the same date, there were 2 debit transactions that I denied and explained to my bank that I did not make those purchases.

The bank immediately credited me with a " provisional credit '' for the total amount and informed me of an investigation starting that date, the bank sent me a new debit card.

The 2 transactions were named with different merchants, one is " XXXX XXXX '' and the amount is {$140.00}. 
The second transaction was resolved quickly ( by me, personally contacting the merchant and denning that purchase on my behalf and the money was refunded ). 
On XX/XX/19 I received a new letter from Santander, informing me that the investigation was completed and they determined that the merchant was correct. They withdraw the total amount for this dispute from my checking acct. ( {$140.00} ). 
I immediately called back my bank to file a new complaint and request a copy of their investigation and paperwork, affidavit and all possible paperwork regarding this transaction. 
The bank responded by saying that they will mail me all the paperwork, which they did and about 10 days later, I received an envelope with paperwork from SANTANDER stating my case number, which it didn't have the correct information, apparently the bank sent me information of a claim that belongs to a different customer, that it matches my case number and debit card # but a different checking acct. and a different claim amount. 
After receiving not legitimate documents as proof of their investigation, I tried contacting the bank making several attempts, in person and by calling the Fraud Dept., after 5 times of trying and receiving more mail with the wrong documents I gave up to try to solve this issue with the bank.

I also tried to contact the merchant, for which I had not received any proof of purchase, not an invoice, not a letter, nothing. I was able to locate the company because the bank had shared their information with me.

I made at least 3 attempts to contact the merchant and each time the customer rep. hanged up the phone on me when I asked if they could provide me with a copy of the " proof of purchase '', they denied me any information and said that the purchase was made online and that I should contact my bank. 
I did not make that purchase. I still don't have any answers from the bank but my money was withdrawn from my acct. 


Thank you,
Consumer complaint received 2019-11-12
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. (NJ)

I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.
Consumer complaint received 2022-03-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (IN)

Reliant Capital Solution XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX has been sending me collection notices in the amount of {$2200.00} the collection has bin reported past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with signature.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

Sent two letters thru the mail stating that I have an credit card account with XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX the card is a XXXX Card? It states that my card has been suspended due to irregular transactions and my card is permanently closed. I don.t know who this bank is. I tried to call them and they wanted personal information over the phone, one letter even asks for me to send them this information. 
I feel like I have been targeted and they are fishing for information. who is this bank and why did they send me these letters when I do not have any dealings with them. I am not responsible for any account opened with them.
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I initially became involved with Freedom Debt Relief when I received a advertisement in the mail for a " personal loan '' upto $ XXXX to consolidate all my debts. When I went online to apply, it said that I had to call in and speak with someone for next steps. When I called in I was advised that I did not qualify for it and that they had a program to settle the debt. They also led me to believe that when the debt gets older it is easier for them to settle the debt. They kept pushing settlements off, and then I started getting letters from an attorney, I did everything they told me, I uploaded all the docs, I kept all my payments on time, then I got served legal papers. I found out that they never had the attorney reach to the attorney who served me. Had they reached out earlier they could have prevented this. I found out that they had not reached out because they had wanted another {$270.00}, but no one told me that. I paid it right away, they made me contact the court for an extension, because no one there would do that. I filed for the extension and I was told that their attorney would now make contact. I get another notice that they attorney had filed for default, because no one contacted the, I called in, they said everything looked fine, and they had no idea why contact was not made. The CSR thought that maybe they wanted more money on the file, so I added more. I did not hear back from the suing attorney, so I thought we were on track. Now I received another letter that the attorney can not get ahold of FDR rep, and that I am again going in default. I know that FDR does not " Promise '' anything, but when they get the hook into you, they elude that they will help and be there for you. Everything is done though FDR, there is no way to contact the attorney and we do not have a contact there.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2022-03-08
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
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. (NY)

I contacted you before about these accounts on my report that were opened fraudulently. You responded that they were verified and provided no information after I requested the verification method under section 609 of the FCRA. I stated in that letter that these accounts did not belong to me so I know that they couldn't be verified. I have now moved on and submitted a complaint with the Federal Trade commission. The report is attached. Please remove these accounts from my report within 4 business days as per section 605 of the FCRA. Happy Holidays and thank you for your assistance.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I took a loan with Capital One Auto Finance in XX/XX/2017. I have made every payment on time. Capital One 's agreement was to charge {$230.00} per month. I signed up for this. Now after 11 months, Capital One is charging {$230.00} per month while NOT applying my payments to the amount due per month while taking interest payment. The loan has been paid ahead. Capital One has told me that I can not make payments more than 30 days in advance which MAKES ZERO SENSE. Their goal is to bilk the interest while penalizing me for paying ahead. They SHOULD NOT by law be able to take interest on the loan IF NOT APPLYING IT TO THE MONTHLY LOAN PAYMENT. They SHOULD NOT RAISE the monthly rate, as this was not deemed an adjustable loan, but a fixed monthly payment! I have asked several times why Capital One is doing this, and I get convoluted answers.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
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. (CA)

I have submitted several disiputes wiyh experian and have yet to be able to speak with anyone about false inaccuracies they are reporting. I have been unable to reach anyone as well
Consumer complaint received 2018-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I called Naviant to request to remain on their Rate Reduction Plan that I have been on for several years. After much discussion with the individual I spoke with, XXXX, she spoke with her supervisor and he requested I fax them the last 3 months of my bank statements. I did so on XX/XX/XXXX referencing my acct # XXXX at a cost to me of over {$30.00}. Since then I received no follow up from them on my request from either XXXX or her supervisor, but just an E-mail stating my next payment due on XX/XX/XXXX will be for {$580.00} instead of my current payment of {$300.00} almost 95 percent higher than what I was paying monthly. There is absolutely no way I can afford that increase as I am on a pension and Social Security only and can not at my age, XXXX, take on anymore part time work due to failing health and other financial obligations all of which I explained to XXXX in great detail. After I repeated all the details to XXXX she stated it looked like I had about {$51.00} left over ever month. Since I initiated this loan in XX/XX/XXXX I have paid them over {$30000.00} from the original amount of {$45000.00} but I still owe them {$48000.00}. I also explained to XXXX that I have taken out 3 different insurance polices with XX/XX/XXXX XXXX that amount to {$50000.00} just to cover my debt to Naviant when I pass away. My youngest daughter is the beneficiary of those policies and it is her best interest to use the funds to pay off the loan because she is listed as a co-borrower. Please contact them at XXXX to ask them to extend my Rate Reduction Plan for the rest of my life and quite trying to get more money out of me every year. Last but not least I am a XXXX veteran. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX.
Consumer complaint received 2021-10-08
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: Credence Resource Management, LLC (GA)

CREDENCE RESOURCE MANA Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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: AMERICAN EXPRESS COMPANY (VA)

I am writing to AMERICAN EXPRESS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-12-18
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)

The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE : XX/XX/XXXXCOMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX BANK DATE :XX/XX/XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXand XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX COMPANY :  XXXX DATE :XX/XX/XXXX
Consumer complaint received 2018-12-18
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)

The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE :XX/XX/XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX BANK XXXX DATE :XX/XX/XXXXCOMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE XX/XX/XXXX COMPANY : XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXandXX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

A couple of months ago, after years of not having credit cards, I decided I needed some access to credit for a month or so to cover expenses. 

I applied for 4 cards one of which was the Chase XXXX XXXX and was approved and got the lovely card in the mail. 

I used the Chase card quite a bit with the knowledge that I would pay it off over the next 4 months when my projects finished and I was able to invoice my clients. 

After using a good amount of my credit on the unlimited card. I found myself declined for a purchase so I reached out to Chase. They informed me suddenly that my account was now closed and this was due to multiple inquiries and over usage.

You can imagine how shocked I was, especially since I made my last payment early and was on my way to establisshing a nice, reliable relationship with Chase.

Not only that, but they would report to the Credit Agencies that it was " Closed by Granter '' which frankly is absolutely unfair as now they decide to close my card and ruin my credit! For no real reason! 

I asked the rather rude fraud specialist manager that if I plan to pay this off and on time, why should that effect my credit and can you do something ... Nothing. I have never been treated as a new customer so poorly.

I ask you how fair is me joining the Chase family, utilizing the card given to me, paying on time, warrant a 7-year mark on my report and losing my card account?? 

I hope chase is the kind of company that will resolve this for me.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.