davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (PA)

Navient was calling all of my neighbors asking for my contact information because they can not reach me regarding a student loan. They did this last year as well and the XXXX XXXX XXXX complaint board notified them to cease. 

They have started calling all of them again recently in the past day or two. 

They have already ruined my credit, but now they are ruining my reputation and the right for privacy. Most of my neighbors do not speak to me anymore. The couple that got the call this morning from Navient asked me to stop having them call them. I never provided my neighbors ' information, so they are using other means to call them to harass me.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (IN)

I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.
Consumer complaint received 2018-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (TX)

TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Number of errors on report. Addressed with CRA and resolved some. Score increased. Tried using XXXX product which had no affect. Website difficult to navigate. Recent report shows decrease in report by XXXX points. Attempted to discuss with customer service numerous times but no one can give me reason for decrease. All other agencies show credit score over XXXX points higher. Information on other reports same.
Consumer complaint received 2019-03-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

Sent disputes via mail on XX/XX/2019 to Experian to dispute in accurate reporting of late payments from XXXX XXXX XXXX  XXXX. 

Experian failed to investigate in 30 days.
Consumer complaint received 2020-07-13
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. (MS)

I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ME)

I have contacted CitiBank multiple times with issues regarding my Home Depot credit card. 
Primarily they made accessing statements and online information impossible, which resulting in late fees I feel are erroneous. 
After a move, I asked for statements to be sent to my new address. I needed a full history on the account because the move was due to a divorce and the credit card balance would ultimately be settled in court. 
XX/XX/XXXX I called to request these statements. When they arrived they were not historical, but a simple one month statement. 
XX/XX/XXXX I called to complain again. I was told I must make a payment to bring my account current, which I did. This, I was told, would enable them to send a full history on my account as well as a replacement card. The replacement card is important, because I was told I could not re-gain online access until I had a new card. BUT- my online access was deleted by a Citibank associate when I called in XX/XX/XXXX. They admitted to this but did not reinstate my online account. 
I paid {$500.00} to bring the account current on XX/XX/XXXX, and was told I would receive my statements to assist me in getting online to make regular payments in 7-10 business days. 
On the 8th business day, XX/XX/XXXX I still did not have my statements but was assessed a {$39.00} late fee. The manager I spoke with on the XX/XX/XXXX did not advise me that another payment would be due before I would have the information needed to make a payment. ( Again- I did not have online access because they deleted my account and admitted to doing this on a recorded line, and I did not have a paper statement because they had not arrived yet in the mail. ) On XX/XX/XXXX I spoke with associate XXXX who assured me he would order the historical information on the account. I then spoke with manager XXXX ( ID # XXXX ) who refused to take off the {$39.00} fee. I explained I was unaware that a payment was due because 1 ) I did not have online access due to an error on their part, 2 ) I didn't have my paper statements yet, again due to their team sending me the wrong statements previously requested and 3 ) because the manager I spoke with on XX/XX/XXXX did not advise me a payment would be due before I had a statement. Manager XXXX ( ID # XXXX ) agreed with me that these previous statements were true, but he would not refund the fee.
Consumer complaint received 2018-03-06
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: U.S. BANCORP (TN)

I recently received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XXXX XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX   as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX   did not notify the courts either. I pulled all of my court records from the courts in XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX  XXXX XXXX Federal Identification number to report a XXXX to IRS in XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home eighteen years,  until you XXXX XXXX XXXX XXXX XXXX took it from me.

May God have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
Consumer complaint received 2021-12-02
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: WELLS FARGO & COMPANY (TX)

I had a late payment on my wells fargo credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX branch on XX/XX/XXXX at XXXX pm and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from wells fargo to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''
Consumer complaint received 2020-07-24
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (SC)

It all started when I bought the vehicle through PNC Bank from the dealership in XX/XX/XXXX. Ever since then, I have been having problems with customer service on the phone and the branches. They have the worst customer service and doesn't care about any of their customers. All they have been caring about is money. My vehicle was repossessed back in XXXX of XXXX when I was XXXX in FL trying to make it with two jobs I just started. My father made a call to the auto loan department about making a payment of {$1000.00}. He didn't know there was more owed than what he told them he wanted to pay. Customer service told me at the last minute that there was {$110.00} still left owed to get the vehicle current. There was another rep who told me there was {$110.00} owed left including next month 's payment of {$380.00} which wasn't due until XX/XX/XXXX. The customer rep who my father talked to didn't mention what else was owed so he could pay it all to get the vehicle back current. Instead, my vehicle was repossessed the next day or the day after. All of my stuff was in the vehicle and I had no where to go. My dad had to pay so much money to get my vehicle back and the repo showed up on my credit even though I had decided to retrieve the vehicle back within 24 hours with the same terms and continue to make the payments. Also, the other issue that came along was their corporate office pretty much laughing at me and not doing anything about the issue after it happened. They didn't do anything but beat me around the bush and left me to rot because they didn't care at all. I have another issue that is going on right now that is taking a toll on my health and I have been asking them for help for a couple of months which they won't do anything about. They are neglecting the situation by telling me they can't just voluntarily repossess the vehicle due to their so called safety of the repo man having to ask the other person who has the vehicle for permission. I think it's very unacceptable of how they are handling the issue because they don't want to be involved. However, they hold the title and their name is also on the title. Since this is a very serious situation, they could go and get that vehicle if they want it back. However, I see them just wanting me to keep paying on a vehicle I don't have in my possession. I refuse to keep paying on it. They don't want to help, the problem will be carried on their shoulders. I'm done with this bank. I've had it with their XXXX and lies.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke with XXXX at Capital One employee identification ( XXXX ) that I owed on a debt that I have already informed Capital One in writing that cease and desist has been sent and received by certified mail. She then placed me on hold and told me I owed money and was 61 days on an account that I am pursuing Capital One through legal remedy.
Consumer complaint received 2018-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

CONVERGENT OUTSOURCING Account Name XXXX Account Number This is a collection agency they say for XXXX it says I opened a account with them in XX/XX/2017 or maybe they received the account then but Ive been with XXXX XXXX XXXX for the last 10years I have disputed this and contacted them only to get the run around
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
Consumer complaint received 2018-02-15
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. (GA)

XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MA)

My home in XXXX, MA was formally foreclosed upon in XX/XX/XXXX by Roundpoint Mortgage Services Co. after multiple attempts to come with up with a repayment plan, one of which was approved and my checks were returned by the company nullifying our agreement without notifying me. After having a buyer for my property lined up they told them they were rejecting their offer Saturday night and processed the foreclosure Monday morning. We moved and with our lives and were starting to rebuild our finances and credit while our property was boarded up, lock boxes placed on the doors and fences, and Roundpoint Mortgage Services Co took ownership of the property. In XX/XX/XXXX we received a letter stating Roundpoint Mortgage Services Co. had illegally foreclosed on our property, were restarting the foreclosure process, and billing us for missed payments since XX/XX/XXXX along with foreclosure fees again. After immediately contacting Roundpoint they were denied working with us and that although it was their mistake we were still at fault for missed payments for over a year on our credit along with a second foreclosure. In XX/XX/XXXX we received a notice from the town of XXXX, MA stating that the property was a public nuisance and a hearing was being held. A decision was made that we were liable to have the house demolished despite it being in the hands of the mortgage company ( who was contacted by the town regarding the property ) and use being locked out of the property. The town only gave 45 days for action to be taken. Roundpoint has dirtied the deed and is now again attempting to put myself in financial ruins for the same foreclosure.
Consumer complaint received 2023-04-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

during the day of XX/XX/2019.I create a checking account.with the numbers.and this the only i got.from this bank.account XXXX.i decided to links. through external account.my checking account, that i do have.with, XXXX  XXXX.and also XXXX  XXXX.so the money from this two accounts were sended.through the bank trnsfer procedured.ally bank.still having my money.could almost $ 80.00.but most important.of all this, from XXXX till now callin.bringing.false excuses, lies to me.that the account is closed.not the acccoun is no closed, also saying.we found fraud, my credit is good.paying on time everything i go.credit cards.and bank account in good standing.i summit.my information.to XXXX.and notthing wong with.upset.with this bank.and all they people.ally bank.XXXX, XXXX, pa.XXXX.phone numersXXXX./XXXX.been calling. them from XXXX till now.XXXX.puting me on hold.and half of hour.and after that hanging the call.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, i was charged an overdraft fee of {$35.00} for a transaction of {$11.00}. I spoke with a customer service representative and a manager over the phone. They said you already had 2 fees waived since i opened the account, that is probably 4 months or so. But as i told them chase never charged fees if the transactions were under a certain amount. The manager denied and said the fee will stay. Im a middle class person, living by paycheck to paycheck. I cant afford to pay {$35.00} for {$11.00}. Please assist.