davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX  and Experian remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX TransUnion and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Consumer complaint received 2018-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/18 I purchased tickets using XXXX through Chase Bank. I paid {$250.00} directly to the sellers quickpay account. Five minutes after not receiving the tickets, I contacted Chase Bank immediately. They said that there was nothing they can do. Not even provide me with what financial institution the money went to. I dont understand how Chase can not protect our checking account from fraudulent activity. They were notified within minutes of the transaction. Why couldnt it be stopped? 
We should not be offered a service that will not protect our money. Why cant chase help their customers be protected from this?
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

Well, I had this account and yes I am doing my best to pay this back and yes this was cause by my XXXX XXXX XXXX which they was putting my funds back into my account for Premium Expenses of my Health Insurance Healthcare Plan of retire medical spending account and yes this has been a complete night deal for me and yes I am not saying I do not owe it but I am getting calls all day and nights in hours of times and yes I did make a payment on this account again on XX/XX/2018 and yes I am doing all I can to handle this and yes I was on the hospital the last past week of my heath problems and I only work part time for the XXXX XXXX XXXX in XXXX, California and I do not make to much money an dyes I started to get my Social Security Retirement Benefits this month and I am doing my best to handle what I can to pay this and yes I di d stop by the bank on XX/XX/2018 and try as much as I can on a payment, please I am not well an di do feel they are harassing phone calls, so I am asking that they do not call me or send me any thing, each time I go and make a payment on this I can not even get a balance how much I still owe and yes I would like to know what they are charging me on this too, thank you for your complete help on this now
Consumer complaint received 2018-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

FINANCIAL CREDIT NETWORK has repeatedly attempted to collect on a debt which was previously paid in full to original creditor XXXX XXXX. 

I have requested validation of their right to collect on the debt in two separate letters to FINANCIAL CREDIT NETWORK, dated XX/XX/XXXX and XX/XX/2018, request any of the following : copies of original contract, debt details, dates, address, and other identifying information. FINANCIAL CREDIT NETWORK has refused in response letters dated XX/XX/XXXX and XX/XX/2018, in violation of my rights under the fair credit reporting act and the fair debt collections practices act.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Equifaxs XXXX and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with XXXX
Consumer complaint received 2018-09-29
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: EQUIFAX, INC. (SC)

XXXX Bank initiated a dispute of two auto loans on my Credit Report that I did not authorize. XXXX Bank performed this illegal dispute of the automobiles paid through their company in an attempt to verify two charge offs that XXXX bank is reporting. The dispute of my automobiles were not requested and not legal. XXXX Bank is standing firm on their decision to illegally perform disputes and reporting information they can not verify. CFPB please investigate XXXX Banks reason why they disputed information on my credit report without my permission.
Consumer complaint received 2018-09-29
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. (MO)

XXXX  and TransUnion deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?
Consumer complaint received 2023-01-04
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. (OH)

On XX/XX/2022 I sent certified letters to XXXX, Equifax and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Consumer complaint received 2018-09-29
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. (MO)

Equifax and XXXX  deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I became aware that my internet service provider, XXXX, had made 3 unauthorized debits to my checking account. The last charge being very large, {$510.00}, taken out on XX/XX/2018 and today 's date is XX/XX/2018. I tried calling XXXX but they argued with me saying that I had approved it for them to make auto pay payments for my internet service. I told them that I had not and it all ended badly with my hanging up. I then went to my bank ( Wells Fargo ) to let them know of the charges. What it all boiled down to and what they told me was that because I still had an account open with XXXX they could not dispute the charges and could do nothing for me. I don't understand this because if I did not authorize them to start taking payments from my account then it is not their account to be going into. Not their money to take!
Consumer complaint received 2018-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I have consistently been pushed in the direction of forbearance with Navient. I've been out of school for almost two years now and while I couldn't make a big payment they have told.me.thatbas long as I stay in forbearance everything is okay and eventually my loan will be forgiven.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (CA)

Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the company.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Our social security numbers were stolen in 2014 to file false tax returns & the thefts never stop. Last week it was XXXX XXXX. As instructed I contacted the XXXX Equifax to put a freeze on our credit. All it took was inputting my social security number and street number ( not city, state & zip code ). I get emails from the USPS with images of mail to be delivered that day. 2 from Equifax, one for me and one for my husband. My envelope from Equifax never arrived ( see attached image ). My husband 's letter included HIS PIN NUMBER WRITTEN IN Bold was on that letter. I don't know of any company WHO SENDS PASSWORDS via US MAIL WITHOUT ANY TRACKING INFO. I have made several calls to Equifax & tried to chat. There's a language problem, the reps in countries outside the US ( XXXX XXXX XXXX ) are extremely difficult to understand.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION (TX)

There is apparent misconduct on the part of the credit card company. I have attached the Affidavit and Exhibits referencing the misconduct and want to make sure that the appropriate person at the bank gets this information. 

This is the same documentation that I overnighted, on XX/XX/2018, through the United States Postal Service and mailed to M and T Bank Legal Document Processing at XXXX. XXXX XXXX in XXXX, NY XXXX. The bank should receive this document by Monday, XX/XX/2018 and I want to make sure that the issues in the attached documentation are received and addressed promptly.
Consumer complaint received 2022-10-06
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have reached out to the company several times to validate this debt and provide me with information that will prove that this is my account and they have not responded with the correct information. They keep sending me letters saying that I sent duplicate letters just to stall the process and avoid verifying the account. 

I've attached the letters I have received from them so far as a response.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Tried making a payment to my credit card and the payment returned due to financial institution information being entered incorrect. In the result of my account being 60 days pass due Wells Fargo Closed my account. As of XX/XX/2018. spoke with a representative that same month around. XX/XX/2018 in the executive office confirmed account was closed and my collteral would be relsease from the clos our date of. XX/XX/XXXX. Wells Fargo opened my card in XXXX I was not notified and incurred fees on the account. card reckoned again in a XXXX and now Wells Fargo is stating I owe a XXXX balance but reported to my report different amounts and is not trying to resolve my issue.
Consumer complaint received 2021-04-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

On Friday XX/XX/2020 i XXXX XXXX applied for a Apple Card backed up by Goldman Sachs Bank. During the application process i had to take pictures front and back of my driver license card. After i submitted the application i was given a notification message stating that someone from the application department had to speak to me over the phone. On Saturday XX/XX/2020 I called Goldman Sachs Bank to check on the application status and they told me that they attempted to call me to speak to me and i advice to them That I didnt received a call from them. They told me that they will attempt to call me again the next day. On Sunday XX/XX/2020 I gave them a call again to check the application status and they again told me that someone from the application department had called me. I again told them that no one from the application department had called me. I requested to speak to a supervisor and the supervisor advice me that she had spoken to someone from the application department and that they will call me again within 24 hours. On Monday XX/XX/2020. once again i didnt received a call from application department. On Tuesday XX/XX/2020. I received an email from Goldman Sachs Bank stating that my application was denied because they werent able to verify my identification. I am really angry at the situation because i didnt received a call from Goldman Sachs Bank application department so they can speak to me. Goldman Sachs Bank was claiming that I couldnt call the application department because they dont take inbound calls. My XXXX  credit report was pulled and resulted in a hard inquiry.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank (NY)

I made a complaint about Synovus Bank on XX/XX/21, they state that they handle my case to XXXX XXXX. I have called them once between XX/XX/21 and today XX/XX/21 and they said they will call me back. But they have not updated me on the investigation. I have tried having my bank recall the fund from Synovus Bank but Synovus Bank would not let me recall.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (OR)

In XX/XX/2020 I deposited numerous checks totalling XXXX. 
immediately after depositing the checks my account was frozen my debit card was frozen and reported as lost or stolen by the bank themselves because I never called to report that. I've called them numerous times to have my funds released or to mail me back the checks or to do something but they have done nothing and I want my money it's over {$7000.00}. I've been a customer with this bank for over 2 years and I'm just really confused as to why all of a sudden they're harassing me like they are I just want my money I want to close my account and I want my money. And I want this complaint listed as a complaint on their site or wherever you guys do that
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. 

LVNV FUNDING / XX/XX/XXXXXXXX
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i opened a account in 2018 for my personal account. I applied for a job on XXXX in found out it was a scam now i cant open any account due to this problem which is ruining my life for business needs in also to support my family. i have done anything wrong i reported this to a clerk due to me thinking this was to good to be true. the clerk told me to get rid of this check in that there will close my account to investigate but now i am under FRAUD.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Consumer complaint received 2023-03-22
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. (NC)

I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.