davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NY)

LENDING CLUB CORP reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out LENDING CLUB SOLD my loan to XXXX XXXX on XX/XX/2019. I contacted XXXX immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from XXXX that my account PAID IN FULL. therefore Lending Club should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which Lending Club refuse to do & keep negative mark on my credit history.
Consumer complaint received 2023-03-15
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

I have a Wells Fargo Home Rebate card which I pay in full monthly. On XX/XX/XXXX, I logged in and scheduled my payment in full of {$4000.00}. I erroneously scheduled the payment for the same day rather than the due date. I realized the error immediately and tried to cancel the payment. There was no option to cancel. I called Wells Fargo and the representative said he would cancel the payment when posted. I wanted to make sure there was no effort to present the payment. I was told that it shouldnt. Unfortunately, the payment was presented to my bank which cause many issues with my account. I called on XX/XX/XXXX to see when the reversal would take place. I was told it would take 20-15 business days. This is absolutely ridiculous for an error that I should have been able to correct online. Within 10-15 business days, the regular payment will be due causing more problems.
Consumer complaint received 2022-12-14
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. (MS)

XX/XX/XXXX report XXXX and XX/XX/XXXX report XXXX I requested for this account to be verified and that I be provided with the process and documentation of the verification and deleted. It was never verified and I never recieved any documentation from experian XXXX XXXX SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2019-04-24
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. (NV)

On XX/XX/XXXX, I contacted TransUnion regarding my current credit report recent negative reporting from XXXX XXXX XXXX XXXX ( " XXXX '' ) regarding an account that was paid in full as agreed. The employee or representative of TransUnion stated to me his computer screen showed two late payments from this creditor. I told TransUnion that my personal credit report from XXXX did not show any negative reporting so why would the reporting show up now. The TransUnion individual stated to me that they report what the creditor tells them to regardless if it is correct or not. 

I feel very targeted by XXXX and TransUnion. Does appears that the credit bureau is protecting the creditor and not the consumer who paid the loan in full. 

I am asking for a full investigation in to the policies and procedures for TransUnion and why they are allowed to put anything on a closed paid as agreed account. 

I tried to attach my XXXX credit report showing no negative reporting, however this system is unable to the pdf file.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXXXXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-11-10
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. (GA)

Please validate this information with none and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file. XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX added debts to several previous tenenats and then immediately sold them to debt collector right before closing their entire company. I didnt find out for several months until it was on collections on my credit. The new property management company doesnt have information because XXXX never transfered their information to the new company. The debt collection agency had a person claiming to be an attorney not with the collection agency telling me that the property bought back the debt and hired him. This is untrue since he is an employee of the collection agency. I proved i do not owe this debt however there is no end in sight.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (IN)

I applied for a PPP loan on XXXX. The land was submitted to the SBA on XXXX. Over the course of three weeks I was unable to get anything other than ambiguous updates with no information whatsoever other than to just wait. On XXXX I was told a letter had been sent and that I needed to refer to the letter for any additional information. On XXXX I followed up with regard to the letter being sent with the details and was told I just need to review the letter which had yet to arrive. I followed up again on XXXX when the letter had still yet to arrive and was told that the letter had never been sent and that they were not able to complete the application. I asked to have the loan withdrawn to allow me to move forward with a more competent and communicative lender. I was told they could not contact the department to make the request but it would take a few days for them to submit. I explained dire straights my business is in and that I need to be able resubmit the loan during the window for small companies to make up for the time that has thus far been wasted. As of 3.8.2021 NFCU has still not demonstrated a willingness to withdraw the ultimately compromising my ability to move forward with a new lender. The lack of communication, lies, and deceptive practices our of the business banking side of NFCU and the unwillingness to withdraw the application are unfair and ultimately punitive.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

This is from ERC, which is trying to collect from an old XXXX account. I stopped service with them because I could NOT get any service in my new office whatsoever at the time. This was in 2011. This was 10 years ago! The person who called me about this debt told me that I still owed it, even though it was from 10 years ago. At this point, cell phone carriers don't even make you do a contract. I had to cancel this contract because I could not use the service. The who called me about this said the debt is not on my credit, but that I still owed. I don't see how this can be true? I want them to stop trying to collect from me. 
Basically, trying to collect on a debt that is over 7 years old does not seem legal.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

When refinancing my home there was a change to my impound amount at the close which caused a shortage in my escrow account. I reviewed the initial estimate which appears to have the correct amount compared to the closing document that has a lesser amount. I feel I was misled and signed a misleading document, I am now being told my escrow account is approx. $ XXXX short and am told I am responsible to pay for this. 

Additionally, my closing statement also does match the beginning balance of the escrow account with the servicer.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I opened a dispute back in XXXX for a purchase I made in XXXX of XXXX. The items that I purchased didn't work for me. I've made multiple attempts to get this resolved with the seller. The merchant is unresponsive and the proof is attached to this complaint. That's when I reached out to my bank Citibank to try to retrieve the funds of {$290.00}. I've complied with every request. I've sent in all the supporting documents along with the signed form that they mailed to me via fax. Last week I received a notice that stated that the case is being closed due to not sending in the requested information. I've spoken to 4 dispute supervisors that stated that I sent in the requested documents that was requested of me and nothing further was needed. So again why was this case closed? You'll also see the fax confirmation page of where I sent the information too and the number. 

I feel like I'm being discriminated against because I filed a complaint against them back in XXXX XXXX. I need my money ASAP. I'm tired of them playing games if you listen to all the calls you'll hear 3 of the 4 supervisors saying I would get provisional credit and that has never happened. 

Also every time I called in to check on my case I would be told that that they never received the documents or the case is closed. Once I request to speak to a supervisor the supervisor will tell me the information that the rep gave me was incorrect. I love my account with Citibank but they are very unorganized as an organization.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I formerly held accounts with Chase Bank. After getting married, my husband and I decided to close all my Chase accounts ( checking, saving, credit card ). Some time later, I visited the Chase branch in the city I had moved to and asked to close my account. The teller emptied my checking and savings accounts and told me I was " good to go ''. 

Being my first time closing an account, I took the teller at her word and left believing that my account had been closed. However, I did not discover that this was not the case until months later while visiting my parents. Because my account was not actually closed, the overdraft fee to keep my account open was charged to my credit card. Since the teller had not updated my information, the paper copies of my bank activity were being mailed to my parents house who live in another city. When I finally received the letters, it was months later. Had my personal information been updated, I would have been aware of the error and fixed it immediately. I had not ever been late on a payment before. In XXXX of XXXX I went in person to another Chase branch to pay the fees and ensure that all accounts were indeed closed. The banker was able to waive part of the fees considering the circumstances but did not pay it in full. 

My husband and I are now applying for a home loan but this misappropriated penalty is negatively affecting my credit score.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bonneville Billing and Collections (WA)

My complaint is with Bonneville Collections Agency Inc at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, ID XXXX. On two occasions this year, on being today XX/XX/XXXX @ approximately XXXX pm XXXX, I was threatened with legal action for refusing to give my employment information when I called to make a payment on the accounts the agency holds with my name on them. The representative who threatened me went by the name of XXXX, whom stated, " If you do not give us your employment information we will not set up arrangements with you and we will give the accounts to our attorneys who will take legal action. '' I made the payment with XXXX over the phone using my XXXX XXXX Card and ended the call. I called back and escalated to a supervisor who told me his name was XXXX, and he apologized for his employees conduct.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681, section 602 A. 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

When I tried to log into XXXX with correct user name and password, I was asked to input one-time verification code. There were 3 options, text message, phone call, and call in to get a code. Since my cell phone was damaged at the time, I called in using XXXX to get a verification code around XXXX XXXX  PT, XX/XX/2020. I called XXXX, the number shown on the webpage. The phone has been transferred 6 times. The first person verified my card number, name and said he was in the debit card team then he transferred me to another person. The second person verified my card number, name and security words and said she was only the customer service team then transferred me to the identification team. The third person only said hello to me and transferred me to the 4th person. The 4th person verified my card number, name and security words and said she is from the customer service team and will transferred me to the identification team. The 5th person verified my card number, name and security words and said she will need to verify my public records. After verify the records, she said she would send me to the automated system to give me the code. However, after the transfer, a 6th person picked up the phone, verified my card number, name and security words, and declared he was from the customer service team. The phone had been transferred to the 7th person, who supposed to be supervisor. Still, the supervisor verified my card number, name and security words and did not help. After 1 hour on the phone, nobody actually helped and I was still not able to log into my own online banking.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP (OH)

On XX/XX/XXXX, I went to First Financial to get an ATM withdrawal of {$150.00}. When I attempted to get the {$150.00}, the machine informed me that I must withdraw in {$20.00} increments. So I entered {$160.00} ( I knew I was close to my balance, but believed that if I was over my balance, it would let me know if I did not have enough funds. ) The money was issued. I did not look at my receipt to notice that my balance was now - {$9.00}. It took me a few days to notice not only was my account negative, but they charged me an overdraft fee of {$37.00} on my ATM withdrawal. And when additional monthly charges for XXXX XXXX ( {$4.00} ) and XXXX (  {$16.00} ) they paid those and charged addition overdraft fees. When I went to a branch spoke to a branch representative about my account, I asked why would they pay these minor charges then charge me overdraft fee. They informed me that I have an " Overdraft Protection Program '' on my account that allows First Financial to pay incoming charges, but they charge {$37.00} for each occurrence. I told her I never agreed to that and signed a document stopping this practice. ( They automatically add it to your account unless you specifically decline it ... but you do not know it even exists ). This is way to rack up fees at the expense of their customers. Had they declined the ATM ( as most other banks would have ) I would have chose a lower amount than to experience an overdraft fee.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Ive had an extraordinary with chase throughout the years, theyre my first and only bank, Ive never had or done any type of fraudulent activity on my accounts until this unfortunate situation. My account was hacked and my identity has currently been stolen, Ive recently reached out to identity theft. But chase please review this because i really love chase and hope for it to continue being my bank. I cant get into my account to send dates and amounts but one amount that was sent back was {$720.00} dollars I believe from XXXX XXXX XXXX, that the only way I saw was because they called me telling me this and by that time the account was already closed and I couldnt get in. Please Im literally begging to review this, in almost 6 years with you Ive never experienced any of this until now. Thankyou chase.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AR)

SYNCHRONY BANK/BELK has not provided me with Validation of Debt which is listed under the Fair Debt Collection Act, 15 USC 1692g Sec. 809 { b } I have included a letter from SYNCHRONY BANK/BELK which states that they could not show me any accurate proof of Validation of Debt.
Consumer complaint received 2022-12-14
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 (IL)

These companies performed Unauthorized inquiries on my credit report, 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