davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
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. (GA)

XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I applied for the SAVE repayment plan back on XX/XX/2023. My servicer has not processed my application in that time and wont tell me why or what I can do to expedite the process. They just request that I be patient and yet still charge me fees and interest.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Today is XX/XX/XXXX and since XXXX I have disputing with Equifax that my credit report was incorrect and that the information on it needed to be corrected and placed back on my credit report. I had fraud on my credit and I notified the police and the three credit bureaus and Equifax is the only bureau to date that still hasn't fixed this error. 
I have had two credit cards with XXXX XXXX one since XX/XX/XXXX and the other since XX/XX/XXXX both accounts were NEVER to be deleted or closed. Equifax claims that they received a letter from XXXX XXXX that stated they needed to close and delete these two accounts. Well I contacted XXXX XXXX and they told me that they never sent anything nor did they close my two accounts and that they both are in good standing and that they have reporting to the three bureaus monthly since I opened the two accounts. So I called tEquifax back and asked to speak to a supervisor and explained everything I was told that XXXX XXXX requested these be closed and we did it and there isn't anything that could be done. I spent week after week calling to get someone to give me a different direction to go in and finally in the beginning of XXXX after calling and mailing out reports and back proving these accounts belonged to me I spoke to a supervisor whom informed me to have XXXX XXXX call the business department. So I did and the supervisor from XXXX  XXXX called the business department while I was on hold with her and they told her that they rejected the request but NO ONE form Equifax notified XXXX XXXX nor myself to let us know this had happen. Now the supervisor form XXXX XXXX states to the business department that these accounts are active and our customer has both cards what should she do to correct this issue, she was told that she needed to have me reach out to the consumer department and let them know these are infact my cards. 
So after she gets off the phone with the business department and tells me what they said I was XXXX. So i got off the phone and called the business department myself and the person that answered the phone told me they can't speak to me as I am not the business, I asked her to hear me out so she did while I was explaining the issue from XXXX till now she tells me i believe you because this story sounds just like the story I just heard on a previous conversation. I told her so what can be done because NO ONE will correct this. She tells me to have XXXX XXXX call back and ask for her and they will work on it. So I did the XXXX  XXXX supervisor called and sent over TWO accounts to Equifax that needed to be reinserted and as of XX/XX/XXXX Equifax has only put one of my accounts back on my credit report. So I would like someone to MAKE EQUIFAX correct my report once and for all and update my credit score as it is INCORRECT. I am tired of disputing the same thing over and over again.
Consumer complaint received 2020-02-03
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. (NV)

On XX/XX/2020 XXXX/XXXX, XXXX, XXXX XXXX did a hard inquiry on my credit even though I don't know them and I am not applying for any credit.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
Consumer complaint received 2018-08-28
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. (SC)

After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (IL)

An account was opened in my name with XXXX XXXX. I contacted the and they had no information. XXXX XXXX purchased the debt and is now reporting in my credit. It is 7.5 years ago. It was taken of my credit because it wasnt mine and also was passed the 7  years.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

I want to bring your awareness to an issue I encountered on the morning of Saturday XX/XX/XXXX. I have a new Nordstrom credit card account, the first bill for which was due on or before XX/XX/XXXX. I logged into my account to pay my bill in full and the amount due was more than expected. However, there were no fees or interest charges noted ( nor applicable as it was first month 's bill and not late ). After speaking with customer service rep, she told me that my payment due ***was*** actually less than noted. After some prodding she told me that Nordstrom adds a {$25.00} late fee to all online accounts when the payment is due on a weekend, in anticipation of the bill not being paid on time. Yet there was not a single notation of a late charge, fees, interest, etc. on my online account - it just shows payment due, with the secret late fee incorporated into the amount due, and the due date. I would never have known this if I had not called customer service. I assure you, she did not waive a late fee. Yet, had I paid online, I would have had no choice to pay a late fee that wasn't even disclosed. I have to assume Nordstrom is making bank off customers just assuming that they are paying their amount due on time when actually they are paying their amount due + an undisclosed and irrelevant late fee of {$25.00}. I believe this is fraud.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN.

To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. 
I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. 
I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. 

Thanks in advance for your time and assistance
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX XXXX  XXXX XXXX However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX  at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX  I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-08-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Investment Retrievers, Inc. (TX)

Investment Retrievers faxed my employer a request for information with their identity letterhead that my Employer inquired about and I could not explain because I was not aware of the company. My employer could easily look up the company and see they are a debt collection agency. When I called the company to let them know this was not acceptable and could effect my employment, the Rep I spoke with told me they were attempting to collect a debt for XXXX XXXX XXXX XXXX and if I did not plan to work out payment they would recommend my case to their legal department to file a lawsuit. I have the fax that was sent my employer if needed.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX   SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. 

I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. 

I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. 

I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. 

I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. 

I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. 

I asked for a Manager and the manager opened a ticket and told me they would get back with me. 

I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. 

I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. 

Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. 

After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. 


I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.
Consumer complaint received 2018-08-28
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: Midwest Recovery Systems (LA)

A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company Midwest recovery and XXXX  and XXXX   have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OH)

On XX/XX/2018 an auto debit came out of my account. On the same day before end of business I submitted a deposit to keep from overdrawing. ( I am supposed to have overdraft protection ). I noticed that on the XX/XX/XXXXI still received a overdraft charge ... ... In the past the bank charged me fees that I had resolved and I had to submit screen shots of how they post charges ... ... I requested for the fee to be waived so I can close the account. They would not allow it. Though I satisfied the overdraft before the transaction posted. They told me that if I satisfied the charge before by today end of business that I would be able to close the account. But when I tried I looked in on my account and they had charged me another fee ... my account was overdrawn by {$2.00} then for XXXX then XXXX. I requested a fee reversal for the new fee and they refused .... all of the issues that I have associated with this account have all come mis information from the staff and supervisors at this bank. But they keep trying to roll me in overdraft fees so that I can keep paying them. Im quite sick of it. I just want the account zerod out and closed.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did as a result they're telling me they're no longer investigating on this matter.
Consumer complaint received 2020-10-20
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. (PA)

On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Consumer complaint received 2023-04-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NJ)

I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit.

the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

My home loan was transferred from XXXX XXXX mortgage service to Fay Servicing. Fay Servicing is reporting my loan as a bankruptcy, where I am not in a bankruptcy. I've call them several times to clarify the issue and offered to send in paperwork to prove it. They are telling me not to send them any documents.This company has a lot of bad reviews, and some cases are similar to mines. I don't feel secure about this company with my loan, just not sure what to expect in the future. I make my payments on time, and they are not reporting to the credit bureau.I am not understanding why my home loan stating : ( we are attempting to collect a debt ) .Not good info at all.