davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!
Consumer complaint received 2018-11-29
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. (AZ)

TransUnion indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from TransUnion on XX/XX/2018 I noted a report called XXXX XXXX # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from XXXX XXXX. 

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
Consumer complaint received 2022-05-03
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: WELLS FARGO & COMPANY (CA)

I have new and updated information from closed complaint XXXX. 
In my last complaint I stated that the dealership had shown no proof of the application. Wells Fargo has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions.

I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive.

Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore Wells Fargo, XXXX XXXX XXXX, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Attempted to obtain my yearly free credit report from Experian, was unable. I had no issues obtaining my report from both XXXX and XXXX. In fact, Experian mailed me my last copy of my credit report to the same address as I have now on XX/XX/2017 under report XXXX. Agency should not be able to " pick and choose '' as to when they want someone to jump through hurdles of mailing identifying information through the mail in order to obtain the report for which I am entitled to. 

I do not have any fraud alerts on my report.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (IN)

I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. 

I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (PA)

I opened my account last week with Navy Federal and was freely able to log in and out with no problems and have securely submitted all my identification documentation and then made a {$2000.00} transfer into the account and then I got some error message to call the branch to be able to access my account. I have called XXXX times total and each time I was on hold for over an hour and unable to get anyone and when I did I provided the pertinent information and was spoken to XXXX XXXX and told to come in to a branch with ID before I can be provided a solution. XXXX NOT trying to withdraw money Im just trying to manage my account like any other rightful citizen. I havent banked with Navy Federal long but any time I have called Ive gotten bad customer service
Consumer complaint received 2022-05-03
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: Convergent Resources, Inc. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (FL)

I have contacted this company and their affiliates multiple times via Priority US Mail delivery with confirmation to dispute the debt and to inform them to cease and desist contact with me. They persist. They do not care or fear the rules of the FCRA. 

First contact date ( this year ) - XX/XX/2022 ; Dispute mailed via USPS Priority mail Second contact date - XX/XX/2022 from affiliate ; Dispute mailed via USPS Priority mail Third contact date - XX/XX/2022 ; Dispute mailed via USPS Priority mail Fourth contact date XX/XX/2022 ; Complaint filed with CFPB This company has contacted me in prior years at other addresses as well, which I have a record of. I responded and disputed their claims then as well. 

The company will send me a collection letter, I'll dispute it, provide my Federal Identity Theft Report, denial of ownership of debit, other information, and/or cease and desist response ; then they will respond with an unrequested " validation of debt '' and persist to contact me. Rotating the account from affiliate to affiliate.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a saving account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I set up auto transfer between my BoA accounts for at least {$25.00}. And in past 7 years, I didn't receive any maintenance fee charge for this account. But when I checked my statement yesterday, I found I had been charged { {$5.00} } maintenance fee since XX/XX/XXXX, and had been charged 21 times, { {$100.00} } in total. So I called the customer service to figure out what happened, on XX/XX/XXXX. Then both the agent and his manager told me, in XXXX XXXX, BOA changed the fee waiver criteria, and customers would be charged for { {$5.00} } maintenance fee unless they meet certain new criteria. They can not refund me the charged fees and closed my account. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular quarterly statements, online only, the one in XXXX XXXX. This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many statements, especially given the fact that this information is attached after a blank page which is usually the ending page of the lengthy monthly statements. The agent told me all the savings customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this fee change.
Consumer complaint received 2019-08-29
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CA)

On XXXX XXXX I received a text alert regarding purchases made on my ADP/Wisley bank card I did not make. I immediately called my bank and informed them of the fraudulent charges. There was XXXX in total. XXXX of the XXXX charges were resolved. However, the other XXXX were not. The bank ( ADP/wisely ) concluded they were not fraudulent. All XXXX charges were made the same day within an hour or so of each other. The fraudulent charges were made with a company name of XXXX XXXX XXXX XXXX the description on my bank account is XXXX XXXX XXXXXXXX XXXX for the amounts of {$100.00} and another charge same description for the amount of {$76.00}. 
My case number with my Wisley bank is. 
XXXX
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (MA)

Monterey Collection service is refusing to remove a collection item from my XXXX Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XXXX of XXXX with XXXX and Monterey Collection service still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Consumer complaint received 2019-08-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I " graduated '' from the now defunct XXXX XXXX XXXX XXXX in 2007. I received an XXXX of XXXX XXXX in XXXX and XXXX. This degree had not helped develop my career one bit and now the degree itself is useless because of the non-accreditation. 

Not only did I use/lose my GI Bill ( it wasn't enough to cover costs ), I had to take out several private loans to offset the cost. It has been 12 years and I still owe just under {$30000.00} as of today. The school does not exist any longer, it lost its accreditation and the degree has no value.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Debt belongs to XXXX XXXX XXXX XXXX. Ive XXXX Contact XXXX and XXXX the j formation. The account that they have belongs to XXXX XXXX XXXX XXXX. The account was/is a business accoubt for XXXX XXXX XXXX XXXX. I do not and have npt worked for XXXX XXXX XXXX XXXX since 2021. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

In XX/XX/2022 I submitted a power of attorney from my son to have him added to my account so that I could handle his finances. It was returned 3 days later because the notary had not signed it. My son had it redone and I resubmitted it in late XXXX. On XX/XX/XXXX it was declined. The reason given was it was a statutory POA and not a durable POA. They are mistaken because the same POA was used to add another child of mine to my account. Also the POA submitted was drafted in a federal institution and notarized by a federal notary.On XX/XX/XXXX I went to the main branch and spoke to XXXX XXXX. He called the legal dept for PNC. We were placed on hold for about 10 minutes. When the young lady came back on the phone she said she thought she knew what the problem was and that the power of attorney had been submitted incorrectly. She asked him to resend it which he did, And he told me to give it 3 business days for a response After 5 business days I contacted him and he told me that it had not been responded to and to wait anywhere from 7 to 14 business days more. I have been calling off and on since then and each time I'm told there has been no response ... until today. I was read the same reason again from the same letter dated XX/XX/XXXX meaning they still have not responded to the power of attorney that was submitted XX/XX/XXXX. This is totally unacceptable and totally unprofessional for me to have been waiting for someone to do something for 4 months that should have only taken 4 days. This is very shoddy banking practices at its finest. I don't feel that I should have to change banks. I feel that P & c bank should have to do their jobs.
Consumer complaint received 2018-04-07
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: EQUIFAX, INC. (CT)

I had called equifax telling them that there is some enquirers on my report that i didnt to. & that I am a victim of identify, I faxed & mailed them my police report. 3 times with No response. They put a fraud block on my file when I called & I have disputed the inquires on several occasions & The inquires was never removed from my credit report. Which is attached in this complaint
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

A letter demanding proof of an alleged debt owed to XXXX  XXXX ( account Number XXXX ) was submitted to Portfolio Recovery on, or about, XX/XX/XXXX. I later received a generic response indicating that the alleged debt had been " verified '' and was being reported to XXXX. 
Portfolio Recovery reports that this account was opened on XX/XX/XXXX. In fact, Portfolio Recovery is attempting to collect a debt that has long since passed the statute of limitations for collections- that being 7 years. 
Portfolio Recovery did not provide proof of the debt, nor did it provide payment or account histories, as requested. Portfolio Recovery does, however, continue to inaccurately and illegally report this " zombie '' debt as a " fresh '' debt.
Consumer complaint received 2022-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

I was first told by a representative of Sallie Mae that I could call every 3 months to defer loan payment if my financial situation did not get any better because of COVID. She deferred my loan, 3 months went by and Im still struggling, I called back as told. This representative I spoke with told me that there was nothing they could do to help me and it will go on my credit score preventing me from buying a car, home, ect. I begged with the representative from Sallie Mae, she simply told me what I had to pay monthly which was well over {$2000.00} and she could not provide me with anymore assistance.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

My income recertification on Mohela was originally listed for XX/XX/XXXX. I called them about this in early XXXX. Due to new rules ( see link and quotes at bottom ) since my recertification date was prior to XX/XX/XXXX, this should not have to be recertified until XX/XX/XXXX. I called on XX/XX/XXXX, this was escalated to a supervisor ( their ID is XXXX ) that called me back on XX/XX/XXXX. They told me I was correct and I would receive something confirming via email in the next week. Nothing came, so I called on XX/XX/XXXXXXXX  and spoke to I believe a supervisor ( ID XXXX ). Once again, they told me I was correct and not to be concerned that I should get something in the next 5-6 days. Nothing came, when I log into Mohela, then the income recertification date showed XX/XX/XXXX. So I called multiple times again, 7 times over 2 days on XXXX and XXXX, and kept transferring around and was ultimately transferred to a supervisor each time and no one picks up. A supervisor ( ID XXXX ) eventually called me back on XXXX, told me my recertification date was actually XX/XX/XXXXXXXX  so I do not qualify for the extension. When I asked why it said XX/XX/XXXX initially and then XX/XX/XXXX, he said these were 'soft dates ' to give them time to process. When I got the opportunity to log into a computer and check studentaid.gov, my anniversary date ( recertification date ) is listed as XX/XX/XXXX, so I would fall under the group that does not have to recertify until the next calendar year. The XX/XX/XXXX is the date of my next projected payment after recertification. I called Mohela back, and got transferred to 2 individuals again only to get no one were and got directed to a supervisor voicemail. 

I have spent 8-10hours/week the last 3 weeks calling my loan servicer and quite frankly exhausted and demoralized at how inconsistent agents and supervisors are in providing accurate and up to date information. No one can give me a coherent answer for why the recertification keeps migrating depending on who you speak to. At certain times, it feels like dates are being pulled out of thin air. 

I would greatly appreciate any assistance you can do to investigate the poor practices. 

Below is the guidance from Dept of Ed https : //studentaid.gov/announcements-events/covid-19 " When do I have to recertify my IDR plan? 
The earliest you could be required to recertify is XX/XX/XXXX. 

On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. ''