davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (TX)

XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.
Consumer complaint received 2023-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX. After a period of time, my student loan was placed in Administrative Forbearance. When I called about the forbearance I was never given any information other than it was categorized under a bankruptcy code. As of XXXX, the {$15000.00} loan has accrued {$21000.00} in interest. I just found out 3 days ago that my private loan was part of a class action lawsuit that I never knew about. After calling several times asking for details regarding this class action lawsuit the representative couldn't provide a case #. Not only has the communication been poor from Navient on my account, but it has been mismanaged. This is the worse company I've ever had to deal with. There's no relief for consumers that had private loans facing financial hardships. All this has done is put me in further debt because of bad communication.
Consumer complaint received 2018-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested an investigation regarding XXXX inquiry on my credit file that is being reported erroneously. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose.
Consumer complaint received 2022-04-09
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 — Was not notified of investigation status or results
Company: William D. Meeker Enterprises, Inc. (GA)

I recently called XXXX at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We applied 3 times to have our mortgage modified with Wells Fargo and were rejected all 3 times and subsequently lost our home to foreclosure and were forcefully evicted in XX/XX/2016. We have hired legal representation regarding this but would like Wells Fargo to contact us directly regarding these matters.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.
Consumer complaint received 2021-05-13
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. (WI)

Back in XXXX I went to look at my free credit reports and found an address in Illinois that was never mine and the person at that location opened an account with XXXX XXXX for {$6800.00}. I contacted Acceptance Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last 4 digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: N.A.R., Inc. (UT)

North American Recovery is reporting an erroneous debt from my credit file. A while ago this debt was sent to an attorney and i was summoned to appear in court for this debt. This case was dismissed due to the fact that the debt was returned to the original creditor. NAR is still reporting these debts on my credit file and i need them removed ASAP.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I called to file a fraud claim when I received an email that a Navy Federal member was added to my member accounts. Immediately I reached out to Navy Federal because 1. I do not recognize this name & 2. I have never given anyone access to my personal banking. Upon further investigation Navy Federal employees admitted that the person who unlawfully gained access to my account was suspected to be a part of what they called a " fraud ring ''. I have an XXXX XXXX and they informed me that someone with a XXXX XXXX had been logging into my account for about 2 weeks. This person deposited a fraudulent check into my account & watched for the funds and as soon as it was deposited my entire account was wiped clean. The claim was split into 1 parts. I was awarded 1 claim and not the other. Navy Federal is now harassing me over approximately {$5000.00} which I do not have and will not be able to pay. I have requested this person 's information to file a police report and it was ignored. I have requested to see a copy of the check to include in the police report. I have only been told that the investigator who is looking at the second half of this claim insists that I gave out my personal banking information. I have been with Navy Federal without issue for over 5 years. I am completely disappointed in the lack of customer service I have received especially with this being my primary bank I have had to make so many changes that have affected my daily life. This incident is very traumatizing because with all the in person & virtual theft going on to have to fight with your bank for proof in the middle of a pandemic is to much. I have been dealing with this for about 2 months now and I am drained. No one ever gets back to me or answers my questions and quite frankly I would not be too upset closing all of my accounts after the way this situation was handed.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2021-12-11
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. (CT)

I'm not able to see my Equifax Credit Report online anywhere I've tried to contact them multiple times but still, nothing was done over the past 3 months. I'm trying to get a house loan but no one has pulled my credit.
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (MN)

Hello, This complaint is with Target Card Services [ Red Card Credit Card ]. I have contacted Target Card Services over the course of [ 5 ] consecutive years for the purpose of requesting a lower Apr, which at present still remains 17.6 %. Each year the response has been 'NO, we do not lower our rate for any person or reason '. When I explained to the Credit Service agent that I had contacted a Credit Management company in early 2015 about such possible service I was informed that an Apr of 7 % would be set for my Target Credit Card, the agent responded with 'then I would suggest that you use that company '. A Credit Management company can get 7 % but I, having a very good payment history and always paying much more than minimum amounts, can not ... I do not understand the indifference and total lack of cooperation. With a Apr of 7 %, as an example, I would be able to the current balance of {$3500.00} paid off within approximately 2 years. 
Any assistance would be greatly appreciated.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

Ive been banking with Chase bank for almost 9 years with no problems. My business account was hacked XX/XX/XXXX/XX/XX/2018 with over {$70000.00} taken from my account. I gave them a list of the unauthorised transactions, they recovered most of the funds but also returned tax payments that were not on my list which I ended up getting late fees that I feel they should be responsible for. There Is also almost {$4000.00} that hasnt been returned to my account and they say the claim is closed. It has been 4 months and I cant get answers.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an open account with XXXX XXXX XXXX XXXX, they had a wrong address on file for my account it was a Virginia address, while I was living in North Carolina. I had to call them and let them know I never stayed at that address they had on file and had to get it changed. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.
Consumer complaint received 2021-05-13
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. (DE)

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder lvnv funding has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (GA)

I opened a Coinbase account in XXXX of 2021. On XX/XX/XXXX I noticed a charge for a currency that I didn't recall buying but I could not understand if I made a mistake or if there was an issue. I contacted them and was told to verify my bank account information to see if additional withdraws were made and to change my password. They would disable my account until I verified that I had completed these items. I did both and contacted them to reinstate my account. After that, they never opened my account or would give me access to my funds. There have been several changes in the market and I am losing money by not being able to play the swings in the currencies. There is XXXX or more in the account and I can't do anything with it. I have been issued 6 different case numbers and then a few days later I will check back and they have closed the case. I still can't get into my account. I even changed the password again but it still says account disabled - contact customer service. You never reach a human and there is no number that you can reach them. I can't believe they were allowed to be a publicly-traded company on the stock exchange and they can't be reached. I have filed a complaint with the SEC and the Federal Trade Commission. 
I would be glad to send you a screenshot but they erase it within seconds of the disabled message
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (PA)

I am trying to buy a house and just checked my XXXX account and found all these fraudulent account XXXX on my report that I have no knowledge of, 1 ) XXXX XXXX SYSTEMS, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2020 there was an unauthorized inquiry from XXXX own i notified the credit bureau of this discrepancy and they refused to remove the inquiry XX/XX/2020 another unauthorized inquiry from first Franklin
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

I WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE PRACTICES.
Consumer complaint received 2022-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XXXX  is stating I have an open account for CapOne and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with chime, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new Capital One balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through XXXX. I am calling CapOne as soon as they open their customer service.
Consumer complaint received 2021-05-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

It's disappointing to say the least the Navy Federal would commit to providing a VA loan with the short sale disclosed in the application process and having the assurance that it wasn't a problem only to find out that after more than two months of work and a bunch of inspections later that Navy Federalis going back on that promise. I have previously provided a thoroughexplanation of the short sale and if anyone knows about it, it's Navy Federal Credit Union. This could effectively cost me thousands and a lost home in the process so I am going to start with a complaint to the Consumer Finance Protection Bureau. Other veterans must have experienced this before and I'd hate to think more will in the future so I'm going to seek legal counsel on recourse in order to protect customers. The whole thing is shocking, I should be closing this month but I'm effectively back to square one and the buyer is desperate for money so it'll likely end up as a dead deal. I guess my question is how could it go through the approval process, all the information that was provided and allow the appraisal and all the inspections when this should have been a non-starter? Then it's ok to back out, that just doesn't seem like the operation I'd expect from a Credit Union.