davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
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. (NY)

Within the last month my Equifax credit was pulled by XXXX, XXXX and XXXX XXXX. each time, Equifax failed to either provide my credit report and score, thusly a decision of decline or unable to move forward with my application due to Equifax reporting of my file. 

XX/XX/XXXX XXXX XXXX applies for a XXXX XXXX Card. The application is still pending and XXXX XXXX states that Equifax has been unable to provide my credit report to them so a decision can be made. 

XX/XX/XXXX XXXX XXXX can not approve a credit Line increase because the Equifax file sent to them didnt contain my full credit report. The report showed only a few accounts and XXXX didnt feel I was established in the credit industry. I am a senior with 91 accounts and 31 active accounts. I have excellent credit without one blemish. 

XX/XX/XXXX XXXX XXXX XXXX declined a credit line increase because Equifax was unable to furnish a score or my Equifax report. 

XX/XX/XXXX XXXX XXXX is unable to approve my credit application because Equifax is unable to provide a score and credit report to XXXX. 

Equifax has attached 4 inquiries on my report and hasnt provided accurate or complete information of my credit file. I want the inquiries removed because the complete file wasnt provided.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This complaint is in regards to Wells Fargo issuing a Debit-BD Recovery Offset from my personal deposit account ( XXXX XXXX2017 ) while I was in the middle of negotiating pay off of an outstanding Business Account Credit Card debt. I had an outstanding debt on my business credit card account for an XXXX that recently became insolvent. I was in the middle of negotiations with a Wells Fargo representative to resolve my debt when a family emergency occurred, leaving me unable to respond to any of the calls or messages that were left for me. However, previous to the emergency, I was taking positive steps in negotiating a settlement agreement to pay off my outstanding debt. But during the time I became temporarily unavailable due to a family emergency, Wells Fargo unilaterally froze my account and withdrew {$2000.00} from my personal checking account ( XXXX XXXX2017 ), where I receive my direct deposits from work, without any notice. Moreover, the agent that I was put in touch with to discuss what had happened was extremely and unbelievably rude and laughed stating that there is nothing I can do and that the debt has been paid in full while threatening to disconnect the call.
Consumer complaint received 2017-08-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX XXXX, 2017, I sent to you a QWR and Debt Validation request. Request for information under Regulation X 12 C.F.R. 1024.36 and Regulation Z under 12 C.F.R 1026.36 - Upon review you did not provide specifically requested the Full Name and Address of the Entity that is owner or assignee for the Note, located at : XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Consumer complaint received 2023-07-04
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: BLINCLOANS, INC. (OH)

I have consistently been trying to dispute errors on my credit report, On my credit report for XXXX XXXX XXXX XXXX XXXX, the loan balance that's showing is incorrect, I have made all my payments to current and my current balance as of XX/XX/2023 is {$1000.00}. On my credit report its stating that I have a balance of {$1500.00} that is incorrect!!!!!!!!!!!!!!. I have sent numerous documentation providing that the information is incorrect but XXXX has failed to update this information. I have supporting documents stating that the loan balance for XXXX XXXX XXXX XXXX XXXX is incorrect, This needs to be updated to current and the current loan balance amout which is {$1000.00}. XXXX need to update this information to the current amount and loan statues Blincloans, Inc Has been reporting my credit report as late and a balance of XXXX this information is incorrect!!!!!!!!!!!!!. I have been paying all my loan amount and the current balance of Blincloans , Inc is {$200.00}. XXXX Failed to updated this information on my credit report. I have documentation stating that my account is current. I have been reaching out to XXXX and the credit agency. I was informed that my account are both current and needs to be updated.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (MO)

Online Information Services has reported information to my consumer report. Online Information Services did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Online Information Services to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Online Information Services to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Online Information Services stating all facts which includes each violation and the damages that you have caused me.
Consumer complaint received 2023-06-09
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I had applied for loans from XXXX to be discharged. According to the borrows discharge defense XXXX has been removed but naivent isnt reflecting that. Everytime i call they say they see no record of it. Im being charged XXXX a month in interest of a ibr plan i asked for the best option due to the fact i been on XXXX for 8yrs on a fixed income
Consumer complaint received 2022-08-29
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. (WI)

TransUnion, XXXX XXXX XXXX reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXXXXXX XXXX stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX 

A hard inquiry by XXXXXXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX stated the error was theirs. Still, XXXX XXXX allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Consumer complaint received 2020-07-24
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. (TX)

XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC (NH)

Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!
Consumer complaint received 2023-06-26
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: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union has violated my rights. My XXXX account was reported to the three bureaus on XX/XX/2023. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. In addition, this company failed to contact me prior to reporting this information to the credit bureaus. When I contacted Navy Federal they stated that they sent notices via mail, however, I didn't receive any notification regarding this matter.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I attempted to transfer {$2000.00} between my two accounts at Bsnk of America. I inadvertently transferred the funds to an old closed Balance Assist account that still appears as a " Transfer To Accont '' on my transfer options. I have call Bank of America repeatedly and can get no definitive answer as to where the funds are within the bank.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Zip Co US Inc. (TX)

SUBJECT : COMPLAINT AGAINST ZIP FOR FAILURE TO ACCOMMODATE MULTIPLE HARDSHIP REQUESTS To Whom It May Concern, I am writing to formally file a complaint against Zip Co for their failure to address or accommodate my multiple requests for financial hardship assistance related to the nationally declared major disaster, Texas Storms ( XXXX ). 

As a victim of this disaster, I have experienced significant disruptions, including prolonged power outages, damage to personal and work-related items, and substantial loss of income. Despite reaching out to Zip Co multiple times for assistance with my delinquent Zip Order # XXXX, I have received only generic, scripted responses that do not address the specifics of my situation or offer any meaningful help. 

It is unacceptable that Zip Co has not provided any special circumstance assistance or support during this time of crisis. Their lack of accommodation and failure to respond appropriately to my hardship requests have exacerbated my financial difficulties. Despite explaining my situation and the impact of the storm on my life and work, Zip Co continued to respond with generic text and offered no special assistance. 

I am requesting your intervention to ensure that Zip Co provides the necessary financial hardship assistance for those affected by this major disaster. Their conduct violates consumer protection standards, and I hope appropriate actions will be taken to address this matter. 

Thank you for your attention to this serious issue.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I disputed a collection account with Experian that is reporting inaccurately on my credit file. On XX/XX/2022, Experian reported that this account has been updated and " verified ''. On XX/XX/2022, I sent Experian a letter to request the description of procedure used to determine the accuracy and completeness of ACCOUNT NAME - XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 

On XX/XX/2022, Experian opened a re-investigation of the above-mentioned account. I stated in my request " This is NOT a request for a re-investigation, I am invoking my right to request a description of the procedures used to determine the accuracy and completeness '' On XX/XX/2022, Experian completed the re-investigation stating that the account was updated and " verified '' ( AGAIN ). Experian has ignored my request for a description of the procedures used to determine the accuracy and completeness, which is my right under XXXX XXXX Code XXXX ( XXXX ) and as a consumer, I am being violated by both the XXXX XXXX XXXX and Experian Information Solutions , Inc.

I am aware that Experian is required by congress to provide an independent investigation that is full and complete. Experian has failed to do so. According to Experian, their investigation process consists of Experian forwarding consumer dispute requests to the creditor to confirm the accuracy of the disputed information and reaching back out to the consumer to notify the consumer of their results after receiving a response from the creditor. At no point was an independent investigation performed directly by Experian. The collection agency has also NOT been in contact with Experian. Experian continues to report inaccurate and/or unverified information willingly and negligently on my credit file.
Consumer complaint received 2017-08-16
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. (MD)

I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian will not investigate the XXXX XXXX acct XXXX XXXX despite multiple disputes filed. They must delete this account due to the following reasons : 1 ) violation of FCRA Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute 2 ) missing data after XX/XX/XXXX  to present indicates a reasonable investigation was not performed
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MO)

I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (LA)

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me
Consumer complaint received 2022-08-29
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: JPMORGAN CHASE & CO. (MO)

A fraudulent charge of {$230.00} was made on my credit card on XX/XX/XXXX. I reported this charge to the credit card company on the same day it was made. 
I did not have any idea what it was for, and assumed the charge was handled. I was not advised to watch out for merchandise delivered to me and was traveling at the time. When I returned home, as I went through my mail and packages, I opened a large envelope and six bottles of a male enhancement spilled out. I had not ordered this product and I threw it away as it was unsolicited. The credit card company says that this was the benefit I received from the fraudulent order. I had no idea at the time that the two were connected. The merchant never contacted me about the order sent to me unsolicited asking for it back. I believe this was a mail scam and dont know why this company had my credit information, address or email. I am a widow and found this entire experience to be humiliating. I want my money back.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a screenshot of the date I received an email from my bank stating that after paying the item and charging me a fee I had {$150.00} and some cents, now I questioned the bank and they said yes this is the amount in acct. so I stated that Im in the positive and you cant charge me the fee there and as money in account to pay item I have been told twice and I told them I have screenshot of the email as proof I was in positive and they need to reverse fees. Now this morning I look on my Bank of A. App. And I see Im negative XXXX and some cents for transactions on XXXX now yesterday I saw I was XXXX and some cents negative so I rushed and deposited {$5.00} to bring positive I did this before the last deposits can be made at XXXX  XXXX. Which would be XXXX California time. Which it shows posted on XX/XX/22. Now anything that comes in is posted for XX/XX/22. So the fee they charged on the XXXX is in correct because I was positive the they decide to charge me a fee of XXXX leaving me XXXX cents now I also have a problem with the fact That bank of A like to look at online banking when they speak to you and we use the B of A XXXX. Now you would think that all they see is what we see oh no for some reason its way different that what we see. Im sorry I go by the app this way I facial ID my info not just online banking to many ways things get seen. Yet what I see is I am in negative on XX/XX/22 go deposit I have receipt that shows positive yet they slip a XXXX fee in there for activity on XX/XX/22 yet I see my activity and I am not in negative at anything till way in after noon make deposit yet charged and show today I have read major complaints about this and other fees people are charged and they arent valid I want my monthly back