davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK (MI)

On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work. 

I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge. 

At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done. 

I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent. 

TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made. 

3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred. 

I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.
Consumer complaint received 2021-08-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (DE)

I have a loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there were 90 days late ( XX/XX/2018 ) payments on my credit report. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00}
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (PA)

ACIMA shows I currently still have an open installment balance that I have paid off a year ago. I tried to call them so they can report and close my paid account but they refused.This is hurting my credit score it appears my account is delinquent.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NM)

In the XXXX of XXXX I consolidated my defaulted student loans and successfully rehabilitated them. It has come to my attention that University Account Services re-aged a portion ( XXXX XXXX XXXX ) that had been placed with them by XXXX. The fraudulently re-aged loan information was then submitted to XXXX XXXX and upon closing out my loan they reported several years of delinquency ( XXXX ). The date of first delinquency on my student loans was in XXXX of XXXX. I contested the information with all three credit reporting agencies. XXXX has refused to verify the date of first delinquency, but did inform me that they received the fraudulent information from University Accounting Services. I've filed a separate complaint against XXXX. I've consulted a consumer protection attorney and will file suit if this information is not corrected.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This complaint is for a collection account on my Transunion credit report. The account showing is XXXX XXXX XXXX. Listed XX/XX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my Transunion report and as well any information regarding this account.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (MA)

In response to a promotion by Key Bank which offered a {$200.00} bonus for opening a checking account and having {$500.00} direct deposited to that account, I applied online for a checking account using the online promo code with Key Bank. I was approved ( see attached ). However, when I attempted to access the account online it confirmed my user name but I could not get a new password. I was told that I was locked out and should call XXXX where I spoke to XXXX at great length on Saturday, XX/XX/2022. He concluded that the account was indeed open and that someone from tech support would sort out the problem and send me an email next week. After no email came, on XX/XX/2022, I called the same number and spoke to XXXX who insisted that I must appear in person to confirm my identity. I told her that was impossible and she told me there was nothing she could do. In the meantime, I have set up direct deposit with one of my employers who has sent {$0.00} to this account and two other banking institutions have send test deposits. I have no idea what the problem is with identity since that was checked in the application which was approved. XXXX told me that as of XXXX am XX/XX/2022, someone at Key Bank decided that I must appear in person to validate my identity. There was no explanation nor logic to this request. I am elderly ( age XXXX ), not in good health and can not make a trip to XXXX, XXXX. I live in Massachusetts. Key Bank needs to open the account and be done with this foolishness. The offer was to open online which is what I did. To do otherwise is bait and switch and fraud. To further show how chaotic an operation Key Bank runs I received an email on XX/XX/2022, encouraging me to make at least a {$10.00} deposit or the account would be closed as of XX/XX/2022. No written demand to appear in person was listed in the email. I think Key Bank hides behind the boogeyman of fraud to cover its general incompetence. Clearly they do not know what they are doing.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (NJ)

onXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: A-L FINANCIAL CORP (CA)

I am disputing the account XXXX XXXX XXXX account # XXXX the collection agency has re-aged this account according to the original creditor A-L Financial Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX XXXX XXXX XXXX is reporting 3XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I entered into a covid-19 forbearance plan while loan was serviced by XXXX XXXX XXXX  XXXX The loan servicing was sold to Chase Bank shortly thereafter. Chase basically ignored the plan and they pulled payment from my account on both XX/XX/XXXX and XX/XX/XXXX, for payment of XXXX and XXXX. In essence they ignored the forbearance plan and brought me current as if I weren't on a plan.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (LA)

I had reached out to Barclays back in XXXX about enrolling into the service member civil relief act. I had reached back out multiple times submitting a rebuttal but have yet to receive a response back. It has been over 30 days and I was told over the phone that by law Barclays is required to respond. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am currently reside in XXXX of the XXXX key provisional states that extends these benefits even after a service member has joined the service. I understand that Barclays follows the federal law to the letter, but other federal owned banks that I had loans in have honored the Louisiana legislation without a snarky response over the phone. 
https : //legis.la.gov/legis/Law.aspx? XXXX
Consumer complaint received 2023-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning CAPTIAL ONE, N.A. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion dropped my score by XXXX points. When I logged on and saw the same false report that I have had to dispute with XXXX other credit entities. I chose the tab DISPUTE which took me to a XXXX process. I chose the reason why and stated it. I then chose the upload documents and when I tried to upload them the system started me running me around in circles. It kept taking me back to the beginning which ask me if I wanted to dispute an item. It truly seems like all three credit entities that have dropped my scores are about the same. They are not a help to the people they have such power over. I wish someone could force them to get in touch with ho they are dropping scores on and discuss the reason why and try to give people a change to dispute this stuff before they drop scores by so many points. I hope you can help me with this nightmare.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-01-22
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. (SC)

I have filed several disputes to have incorrect info taken off of my report from experian and XXXX XXXX but have been unable to. Requested company send me a debt validation letter but all I receive is summary of account from debtor. Would like to see who open account date account was started last activity on account. My address is being reported wrong as well names on account. Was told I had to contact every company because they were reporting address wrong I receive all my bills at correct address will provide copies if need be. Employer reported wrong also. Please help resolved before I seek damages from all companies and people involved.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX, my husband XXXX XXXX died on XXXX XX/XX/2021 ( from XXXX ). It happened in XXXX and I with my children went there. I am still in XXXX with relatives but I see that my husbands credit card was charged 3 times after his death ( all his cards are here with me and I didnt use them ). 
XXXX. XXXX $ ( XXXX ) XXXX $ ( XXXX ) XXXX. XXXX $ ( XXXX ) His credit card ( WELLS FARGO BANK ) XXXX
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree. 

First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments. 

why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments. 

As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements. 

Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2022-04-08
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. (NY)

In Accordance with the Fair Credit Reporting Act, the XXXX XXXX CT NY XXXX has violated my right. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: OPORTUN FINANCIAL CORPORATION (VA)

In regards to this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 a load agreement was made between opportune and I for the amount of XXXX $ plus interest. They said they would be mailing me a check. I made a payment early in hopes to repair my credit of {$23.00} on XX/XX/2021. I still haven't received a check in mail for this loan.. I haven't made another payment after that. I have made many calls to them. & talked to just about every person in every department of this bank to get this resolved. At first they keep telling me to Waite few more days ..I would Waite couple more weeks. & again no check in mail.so I called back..there was a file made where I have made so many calls and a file has been reported informing of my calls and that I haven't got any check in mail..i was told they would send another ..in XXXX..and again..no check in mail.. now they keep sending me texts saying I am past due and keep calling informing me of my late payment ..not only that my credit score has went DOWN XXXX points!!! Opportune has been able to tell that I have not cashed any check from them .because they stopped payment on the first 2 and said they would just send another. NOW they have my correct address because I have received letters in mail about my late payments due..but they can't seem to send the money. I don't want to pay for something I never received and what I started off trying to do to fix my credit score has made it 100 times worse.. I at one time even tried to opt out of the contract of this loan .to where they said that wasn't an option..nor was a direct deposit into my card account was either... 
PLEASE HELP!! 
XXXX XXXX thank you.. 
You can contact me at XXXX Or At e mail XXXX XXXX