davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (MA)

Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

My chase check account was closed by the company around XXXX, the company said they will send a check to my place but I didn't receive it, and they said they will resend it again, however, a few days later they said they need to have some documents signed by me and then can send the check, but later they said I have to go to any branch to do that myself. Which is not an option for me now since I am not int the states now.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CO)

I applied for a credit card with Wells Fargo to transfer my entire XXXX credit card balance. Wells Fargo approved only {$2500.00}. They didn't tell me this until already proceeding with the smaller, less than intended, balance transfer of {$2100.00} + {$63.00} in fees. I contacted XXXX to cancel this payment and they sent it back to Wells Fargo. However Wells Fargo has not given me credit back for this cancelled Balance Transfer and now is charging me fees for missed payments. I'd like them to refund this cancelled balance transfer and refund all fees. I've chatted with them online. They asked me to call. I've called and been disconnected by the representative when they didn't seem to understand why/how to dispute a cancelled Balance Transfer.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MO)

Three transactions were made on my account and I opened a dispute with XXXX. I then had to dispute with Navy Federal Credit Union. They claimed they were conducting an investigation. That did not happen and they denied it. XXXX also denied assisting. I provided screenshots and proof and they did not listen. I also tried to call and report the Navy Federal employees who I initially spoke with in XXXX who did not listen to a word I said on the call and opened up this major situation after I SPECIFICALLY told them I needed to call back. Then when I tried to call and report that situation I was given the run-around and could not get anywhere.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/19 Capital One took a double payment for the statement balance on my account in the amount of {$4800.00}. I called in to ask the bank to reverse one of the two payments and they refused. I requested a supervisor and spoke with XXXX, operator # XXXX supervisor at Capital One bank, I then asked about getting a ACH sent back for one of the two double payments and they said they needed to call my bank. I allowed that in a conference call and my bank confirmed that a double payment had gone through. Capital One then told me they were going to make me wait 3 weeks for the refund to be processed. This is entirely unacceptable to refuse to reverse a payment and hold my funds hostage for 3 weeks.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Greetings! 

Step 1 : What is this complaint about?

Victoria 's Secret credit card. 

Step 2 : What type of problem are you having?

Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened? 
At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to. 

Step 4 : What company is this complaint about? Victoria 's Secret  credit card and Comenity Bank.

Step 5 : Who are the people involved?

Only me and the credit card Company or the said Bank. I don't know who stole the card.
Consumer complaint received 2021-02-09
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: U.S. BANCORP (GA)

Greetings, On XX/XX/2021 ... I applied for what was assumed to be a pre qualified business signature leverage card! It clearly stated that it was a soft pull to check for identification, terrorism funding, etc ... and then 1 day later, a hard pull from us Bancorp popped up on my personal credit report file? I called to try and resolve the issue and was on hold for 20-30 minutes at a time with 3 separate agent reps, so basically I was on hold for over an hour just to be told that I have to file a complaint with the office of president!!! Im so XXXX off about this ... you have no idea! This isnt fair at all ... I feel violated!!
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Please remove hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

We recently moved into a new house and as part of the mortgage process I subscribed to XXXX regarding my credit rating. Nearly ten years ago I became quite ill and needless to say my credit report has reflected the unsavory chain of events.

I was able to get a mortgage but through the process, the XXXX report shows six ( 6 ) delinquent accounts with the XXXX Hospital totaling {$1300.00}. Although I have no recollection of receiving these bills, I must request a debt validation and verification letter confirming details of the debt. 

I
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I filed several complaints & disputes regarding a fraudulent, deceiving scam online. I thought I was purchasing certain items, which was not AT ALL what I was sent, the site was removed shortly after making my purchase & there was no phone number or anyone to contact. Therefore, I reached out to my bank and filed a thorough dispute, I included the images of what was sent, what the site showed that I was buying and all the details. My bank has said that I have not sent enough information to support my dispute- but I was never told what more they needed. When I last called to check on my most recent appeal regarding the dispute outcome, I was told by the representative that he wanted to help me, but could not figure out why it was denied and he suggested I contact the CFPB.
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

Initially filled a complaint on here about Wells Fargo keeping a check issued to me from my insurance company to fix my house. I tried to contact them several different times, at which point Wells Fargo responded that they were researching it. I now hold 7 letters from them, explaining that they are researching. However, on XXXX XXXX, XXXX, my home of 17 yrs was bought at foreclosure auction for XXXX by none other than Wells Fargo!!! The home appraised at almost XXXX. Plus they have my insurance check for almost XXXX .... 
Wells Fargo has become the worst mortgage/bank in America!! And after reading over comments on XXXX, they have foreclosed on many more houses, just like mine. If any other company got caught stealing like this, they would be in jail for embezzlement. Making up fake accts, stealing insurance checks, bad car repos ... I mean, when is someone going to investigate and make Wells Fargo stop these practices that are so illegal?????
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until May along with the rest of the student loan borrowers. As you can see on the Navient statement included, all loans were current through XX/XX/. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by Navient that NO PAYMENTS ARE DUE UNTIL XX/XX/. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score. 

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the Navient statement showing no payments due until XX/XX/2023. 

I first contacted Navient on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to Navient for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX
Consumer complaint received 2019-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (SC)

I am a victim of identity theft, and have notified the owner of the fraudulent loans, Sallie Mae, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Sallie Mae that I have not received any response to, and will provide a summary of my dispute below.

The following Sallie Mae loan account numbers have been obtained in my name without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX On XX/XX/2017, I receive a phone call regarding the above-referenced loans and was told that I needed to pay a large sum of money immediately for a loan that I supposedly co-signed for or I would be sued and taken to court. I said that I have never signed or agreed to any such loan. I immediately obtained the number for the fraud department and called. I have been attempting, since receiving notice that there was fraudulent loans in my name, to alert Sallie Mae and remove the loans from my name and off of my credit report, but no action has been taken by Sallie Mae, and I have never received any responsive communications addressing the loans or  what steps they were taking to investigate my situation. 

As stated in my attached identity theft affidavit, I have not opened any student loans or co-signed on any student loans with Sallie Mae. The accounts cited above are harming my credit, have caused harassing phone calls, and have harmed my financial situation and my quality of life.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I recently received a copy of my credit report which showed an account balance of " {$5400.00} '' from " Genesis Credit Management '' which I do not recall authorizing. I understand that an account should not show on my credit report if I have not authorized it. Please have this inquiry removed from my credit immediately as it is making it difficult for me to acquire credit. I have reached out to the company via email for verification of a signed contract agreement with them, which they have not provided. They also have repeatedly called me regarding this alleged debt. According to the fair credit reporting act, section 609, ( a ) ( 1 ) they are required by federal law to verify through physical verification of the original signed contract.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported my account to XXXX  due to suspected fraud when I never had committed any fraud they said somebody tried taking {$300.00} more than once and due to that they closed my account and reported it to XXXX  and due to that I haven't been able to get it bank account or a second chance bank account I called the bank and ask them if I could get removed but they said they couldn't they said that the only ones who could remove me was XXXX  so I called XXXX that you only one stick of remove me is Bank of America me going back and forth from XXXX  to the bank and it seems like they don't want to help me when I never committed any fraud and they never gave me any info when this happened so I didn't know why my account was closed I don't owe them any money I'm trying to get a bank account and I can't due to this and they won't be with me every time that I tried getting remove taking me the round around from XXXX  to Bank of America and then from Bank of America to XXXX seems like they don't want to help me out with my problem when I never committed anything I never did anything wrong and they never gave me any answers on why they closed my account when it got close
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services of Iowa Inc. (TX)

XXXX has posted a collection to my credit report from Credit Bureau Service of Iowa, a collector for XXXX XXXX in XXXX XXXX, IA. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in 2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with XXXX, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC has reported that I owe a debt to XXXX XXXX XXXXXXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC c/o Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX XXXX.
Consumer complaint received 2019-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I attempted to make a payment with wellsfargo for XXXX to complete my payment for {$300.00}, instead they took XXXX out and then are telling me that I authorized the payment for {$2200.00} not {$300.00}. Wells Fargo will not let me listen to the phone call. Instead, they are telling me that I authorized this an I did not. They have overdrawn my account, they will not allow me to listen to the phone call with out an attorney. My account will be in default as a result of this, and they are blaming me. I called in good faith to attempt to make a payment and Wells Fargo made a mistake
Consumer complaint received 2020-02-06
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. (FL)

I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (AZ)

I had an account with Navy Federal Credit Union in XXXX which was a back up account that I had minimal funds in. A fraudulent charge was made on the account and I was not aware of the charge until XXXX when I attempted to open up a second checking account and savings account. I was told that I would have to pay {$430.00} since the account was overdrawn at the time of closure because of bank fees and the fraudulent charge which was about $ XXXXThe bank could not tell me if the charge was a debit card charge or a check because the records are no longer available but based on the amount of {$29.00} returned check fees and NSF fees it may have been a fraudulent check. 

I attempted to dispute the charges to no avail and it appeared that my affidavit that I filed fell on deaf ears with the charge off department. I have two new accounts that are open but I cant use them because the charge off department will not deal with my old account fairly and in accordance with their fraud policies. Additionally, the fees they are attempting to extort me in paying are illegal under the terms of the Federal Reserve Regulations passed in XXXX and they are breaking the rules that are in place.
Consumer complaint received 2019-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I rang Equifax to query why my credit score has been consistently negative even though I do not have any negative reports on my Equifax report. I was not given an explanation of why Equifax is consistently negative. I am now beginning to think that Equifax is negatively profiling me. No one at Equifax could explain to me why my credit score XXXX, yet I do not have a negative report on file. Equifax failed to explain how it reached to this poor credit score. It should be noted that Equifax is the only credit scoring company that has been consistently negative. I am now convinced that they are relying on other information that I am not aware off. How else would Equifax explain its negative report?