davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told transunion I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and XXXX gave me a total run around.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After opening a new account at Huntington National Bank, I transferred funds from my credit union account utilizing the Huntington Bank mobile app. I transferred three deposits during the period of XX/XX/XXXX through XX/XX/XXXX in the amounts of {$1000.00}, {$1000.00} and {$73000.00}. Those deposits were to fund the new checking and money market accounts and to provide a down payment on a residence that I was purchasing and that Huntington Bank was financing with a mortgage. 

After experiencing difficulty getting the transfers credited to my new Huntington Bank account, I complained to various individuals at Huntington Bank. Approximately two weeks later, I finally received credit for the largest transfer of {$73.00}. When I inquired about the remaining two deposits, I was told that my credit union would have to ask for the funds back. 

When I contacted the credit union, they said the funds had been transmitted as requested and provided a copy of the transactions stating that is was Huntington Bank 's problem to resolve. For some reason Huntington Bank has refused to resolve the missing deposits although they did provide details regarding the settlement process with XXXX. 

I contacted XXXX after a representative of Huntington Bank provided me with the transaction ID 's and dates for the missing transfers. Unfortunately, neither XXXX or Huntington Bank are willing to resolve the matter even though they are not disputing the validity of transfer. 

I attach my original complaint to the Ohio XXXX of XXXX XXXX. They directed my complaint to your department because Huntington Bank is a national bank. I have attached my original email with additional details and I have attached a copy of the transfer confirmation from my XXXX XXXX and I have attached the original correspondence with Huntington Bank regarding the missing transfers. Please let me know if you need any additional information. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-01
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. (NY)

CFPB complaint # 2 Experian responded to this complaint stating that " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' As a consumer reaching out through the CFPB, I am appalled that this avenue was taken by Experian. I provided copies of my letters sent certified mail using online certified mail services due to the pandemic ; dispute results ; signature confirmation from Experian, and they did not address anything and closed the complaint out. Now, I am resubmitting this complaint with additional documentation. 

On XX/XX/2020, a certified letter was sent to Experian disputing the XXXX tradeline listed on my Experian file. The letter was signed for on XX/XX/2020. Documents regarding this tradeline were also uploaded at https : //www.experian.com/consumer/upload/ no response received from Experian. The furnisher has no documentation for this debt and therefore, can not be verified or validated by Experian. On XX/XX/2020, Experian sent me dispute results Report number XXXX, regarding this XXXX  tradeline and the result is showing as " pending ''. This happened last year as well when I tried to work with Experian regarding this tradeline. Previously, this tradeline has no balance, account number or dates reported. Also, was not reported an in dispute. Experian has ignored the accuracy component of the FCRA Section 623 ( a ) ( 1 ) ( A ) for the missing data ; FCRA 623 ( b ) ( 2 ) and the 30 day provision of the FCRA 611 ( a ) ( 1 ). No answers are provided to me by Experian in regards to this dispute and am simply given a one line response, despite the evidence provided to Experian for the inaccuracy of their reporting. Therefore, Experian is in Non-Compliance of the FCRA 616, 617, 621 for the reporting of this tradeline and must remove this tradeline per the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 

XX/XX/2020, another dispute result received from Experian Report number XXXX, with the XXXX tradeline still " pending. '' This is the third pending dispute results received from Experian. Based on the FCRA, this XXXX  tradeline must be removed accordingly.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I began a bankruptcy by taking the class required After taking the class and seeing how much it was going to effect me there was no point in following thru with the bankruptcy the paper work was never filled yet this remains on my credit Ive disputed with Experian and they say because there is a court record then it happened but you can see by the dismissal letter that no paper work was ever received by the court. That bankruptcy should not be on my credit because there was never a bankruptcy happened XX/XX/2019 Also the reference number they have on file Is incorrect
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

The company who handles the PA XXXX payments is claiming that they are entitled to take a {$30.00} return fee if the Payment for XXXX services is returned. However, they attempt taking the payment multiple times if it's returned within a few days each time. This to me ( and others ) is a scam. This company should be shut down immediately and PA XXXX  should be forced to process payments independently. The company is also alleging that this is in the terms and conditions on the PA XXXX  website, however, these terms and conditions never mention that this company is contractually taking these payments.

Per the phone conversations with " Global Payments '', they claim that the Terms and Conditions articulate that a return fee will occur in the event that a payment is returned to them. Upon re-analyzing these Terms and Conditions, I've found that to be outright deception. 
XXXX XXXX XXXX Global Payments reversed the {$30.00} fee after I spoke with them over the phone, however, I will warn you that this company being a 3rd party company taking and initializing payment distribution is an apparent conflict of interest, so the PA XXXX  has no control in their own lottery with respect to online gaming. 

This needs to be investigated big time.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XX/XX/2020 Sold the property and closed on XX/XX/2020. Escrow account had a balance of {$6700.00} and change, due to be reimbursed to me from the lender. According to their policies this check was to be processed and sent to me within 20 days of the mortgage account being closed. They claim a check was mailed on XX/XX/XXXX. This check was never received. They now claim to have sent another check in midXXXX which has also NOT been received. 76 plus days have elapsed from the closing date as of today. I am monitoring all mail via the USPS notification system daily and have not received either of these checks at the old address or forwarded to my new address.

Account information : PennyMac Loan Services ; account # XXXX ( closed XXXX address : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
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. (GA)

TransUnion is reporting some fraudulent inquiries on my credit report from these companies : XXXX  XXXX- three duplicate entries. 
XXXX XXXX- two duplicate entries. 
XXXX XXXX two- duplicate entries. 
XXXX XXXX-two duplicate entries. 
XXXX
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2019 Wells Fargo sent me a letter saying my mortgage was being transferred to XXXX XXXX XXXX. This letter had instructions for the XX/XX/2019 payment. 

XX/XX/2019 my bank notified me the payment was returned, no account found. 

I logged in to my Wells Fargo online account. It said my mortgage was transferred, no other information available. 

XXXX XXXX XX/XX/2019 I called XXXX and spoke to XXXX XXXX at Wells Fargo. She confirmed the website information and said the new servicer may not have completed the transition. She said they would contact me and suggested I contact them. She also said there was a 60 day moratorium on late fees and adverse credit reporting, but offered nothing but verbal assurances. 

I then contacted XXXX XXXX XXXX on line at XXXX XXXX XX/XX/2019. 

Their website said Our records indicate there are no active XXXX XXXX XXXX Account Numbers matching what you supplied. The information supplied was taken from the XX/XX/2019 letter from Wells Fargo.
Consumer complaint received 2020-12-01
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. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into there hands of the wrong person
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (VA)

I received a debit card in the mail in regards to opening a checking account with Chase bank. I did not and have not attempted to open a bank account with Chase bank. I called customer service with Chase and they were able to tell me that the account was opened on XX/XX/2020 which is why they sent me a debit card for the checking account. I asked the rep if my social security number was used and he said yes, this person had access to my social security number, name, address, date of birth, everything. The bank also told me to come online and file this complaint because it would be a case where my identity has been stolen and someone trying to use my information. Once again, I did not authorize or open an account with Chase bank.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
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: Navient Solutions, LLC. (NY)

Sallie Mae/Navient listed me as a Co-Signer of a student loan and I never signed any paperwork. They told me that they wanted to list me as reference and they ended up listing me as a co-signer. The company name is Sallie Mae and the loan got sold to Navient. I have called multiple times a month and they dont do anything about the issue. I have been dealing with this issue for 13 years. I have sent a order to show cause that was issued by my attorney and they didnt answer to that document. This has caused my family and I financial hardship since it has been on my credit report and effected my debit to income.
Consumer complaint received 2022-04-26
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (WI)

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I enrolled at XXXX University Online. I informed the Registrars office that I did not have a high school diploma. They stated that this was not an issue and they could use my " life experiences '' as basis for enrollment. I did not do an entrance exam and I was only given a login and password. I did not understand the curriculum and after 10 days of trying to do it figured out I was not going to be able to. I called the college and unenrolled and was told that my I would not owe anything do to the circumstances of me not having a high school diploma. I have sent Navient " My Loan Holder '' several documents stating the facts, all the documentation that is needed for loan discharge but I keep getting the run around and the generic Denial Letters. I believe that they are not investigating the situation. They keep saying I was enrolled in XXXX University XXXX, which I have sent proof from the National Student Loan Data Systems and the registars office at XXXX University XXXX. The last response I received from Navient is asking for verification from the college that I was not given an entrance exam. How do I complete that since the college is no longer in business. I am one of the many victims that XXXX University Frauded. I have attempted to rectify the issue with Navient with no success. I am in need of the CFPB help to make this matter right.
Consumer complaint received 2020-06-03
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. (TN)

. I am writing this due to non-compliance with the Experian.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-12-01
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: TRUIST FINANCIAL CORPORATION (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, REGIONAL ACCEPTANCE CORP add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I have Southwest Rapid Rewards card ( s ) issued by Chase. Many advertised benefits are offered through More Rewards. These include hotel stays, car rentals, gift cards, merchandise, and international flights. However, the More Rewards website has been " down for maintenance '' for several weeks. When I contacted Southwest, Chase and AwardsHQ ( host of More Rewards ) they all can not provide a timetable for the site to return. TODAY I received a promotional email from Chase touting the benefits of my card ( s ), which includes a link to a listing of these benefits mentioned above. Benefits that are not actually available, which amounts to false advertising. Chase is advertising benefits that are not actually available to cardholders. I'm attaching screenshots for reference.
Consumer complaint received 2021-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AR)

My mortgage company did a loan modification due to the coronavirus. I was laid off from work for a few months and asked for a forbearance. ( XX/XX/XXXX XXXX Before the loan modification they kept saying my escrow account was in the negative and my taxes were going up so they kept raising my monthly payment. Started making payments again XX/XX/XXXX. After asking for load modification. So after 7 months finally got my new paperwork for the loan modification. XX/XX/XXXX. Which was great except a month later now they say my escrow is delinquent and they are raising my payments again! It took 7 months to get the loan modification and they could not figure everything out before they sent new paperwork! Every month it is something new with them! So extremely frustrated with this company! I signed new paperwork for the loan modification end of XX/XX/XXXX. First payment due XXXX of XXXX of XXXX. Here it is first of XX/XX/XXXX and they want to raise my payments to XXXX! How can it be this delinquent in only a month! My mortgage was supposed to be a fixed mortgage. Please help!
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX
Consumer complaint received 2018-10-16
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

Hello, 1 ) I had bank accounts in XXXX XXXX XXXX and XXXX, then i have sold my bitcoins ( on XXXX ), but buyer committed a fraud and paid with stolen cards. 
2 ) Banks returned money to owners, but bitcoins were stolen. I've lost XXXX {$3.00} ) XXXX  XXXX XXXX closed my accounts and sent report to ChexSystems. 

XXXX  XXXX XXXX didn't request any information about transactions and didn't do any investigation. 
Late on XX/XX/2018 I opened a complaint against XXXX XXXX XXXX ( XXXX ) but it repeated situation - did nothing and didn't contacted me except one call notified me about case when I said I can provide all documents to prove I'm clean. 

Now I want to open a case against ChexSystems ( www.chexsystems.com ) so at least they will do investigation if XXXX  XXXX XXXX have no resources to do that.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it
Consumer complaint received 2020-12-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I received a call on XX/XX/2020 claiming there was already a case being brought against me in XXXX XXXX and that I would need to contact the debt collector 's legal department. They also threatened to contact my supervisor. I called the company and the woman I spoke with said I either had to pay an amount that is greater than what I owe during that phone call or I would be sued ( despite the earlier phone call saying there was already a submitted case ) and I would then have to pay more than double the amount. I have also received no written communication about any of this debt.