davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (KY)

onXX/XX/XXXX i deposited a business check into personal account by mistake with the moble app and huntington locked my account, they wont let me have access to any funds in the account before the check was deposited. i done a chat with a bank rep on the web site and asked if i bring in county business license, state tax id, city business license will that unblock my account and was told yes. i printed out the chat and took it with me to huntington bank location ( XXXX XXXX XXXX, XXXX, KY XXXX ) and talked to XXXX i was told the paperwork i brought in was no good as the county and city license was not this years, wouldnt take state tax id i been using since XXXX. i went back next day with current county license and a receipt of city license stamped with citys name and stated business use license until original is mailed to me, again refused tax id and city license. 

the letter huntington sent me said only a 7 day hold on the check and its past that now i dont see what else they would want to prove its my business check i told them i have tax id , county license, cbi number, ein
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CT)

Received a call from XXXX ext XXXX XXXX XXXX  I received calls from several family members regarding this phone number who is calling to collect a debt. Information on these family members was never provided to this specific company when initially was approved for credit, as this is an in-store credit card company. 

Somehow they have obtained phone numbers to 2 of my family members disclosing my financial issues. These family members do not reside with me nor in close proximity and this is an invasion of my privacy as I have not discussed my financial struggles with anyone.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

Called company to ask for debt verification. Verification was mailed 15 after. With no return address or informations to send to dispute debt. Called again after receiving paperwork asking for Texas Surety bond information and collector refused to provide it. Asked for address to send dispute and collector hung up. 

Company Name : XXXX XXXX Phone number : XXXX Address listed on credit report : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2019-05-10
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK (IL)

I am disgusted with how Astoria has handled my loan for months. First my loan was denied because i did not qualify for an affordable mortgage payment due to not enough income. Astoria had me re-apply and has and was promised a fair review, however this did not happened. I have provided enough proof to Astoria that my home is severely underwater. This is really stressful because i am tired off all the excuses Astoria has given in order to deny my loan modification. Recently, i was told to participate in any government modification. XXXX also mentioned the only option was to reinstate my loan or sell my home. Therefore, I am forced to file a complaint with my Attorney General XXXX XXXX. Astoria Has never reviewed my loan fairly despite participating in HAMP programs. I am struggling homeowner and i can not afford my mortgage payment. I have been trying to with you to no options. Additionally, you informed of the making home affordable modifications and now that i request help you deny me. I will give you one last opportunity to assist me. Otherwise, I will proceed with my complaint with my attorney general and provide proof of all correspondence exchanged. You make it seem like you want to help me but in realty are doing everything in your power to foreclose on my home. I hope by me writing this letter of complaint my case will be investigated with all of this injustice are done against me.
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I attempted MANY times to lower my monthly payments for my Navient loans with no help from Navient. They have given me no options to help me be able to even touch paying off my student loans. I spoke to someone at Federal Student Aid who recommended I apply for the IDR PAYE program for my XXXX and XXXX loans, which would help me begin to start paying off my loans one at a time. I recently enrolled all of my student loans into the Income-Driven Repayment plan through the PAYE (  Pay As You Earn ) program. However, the first month enrolled worked properly for my Navient loans, but now they have been cancelled!!! I'm trying to pay off my loans, but no help is being given on Navient 's end. Whereas, my loans with XXXX and XXXX have been very helpful in honoring my IDR / PAYE plans I recently enrolled in with absolutely no issues. Navient has completely neglected this Federal program.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

Chase is in partnership with an unethical airline : XXXX XXXX. I plan on canceling my Chase card as a result of XXXX 's new " basic economy '' pricing tier. 

Here is my story : Bought a " basic economy '' ticket online using my Chase card. 

Later found out that there is no way to upgrade to a plus ticket online - which I need due to my tall height and long legs. 

Called XXXX contact center. Was told they can not quote me a price to upgrade to plus for specific seats. Require that I roll the dice and upgrade from " basic economy '' to " economy '' ( for {$50.00} ) even though I am a XXXX Chase cardholder ; only then can I see what seats are available online and at what price ... 

This is an unfair, deceptive, and dishonest business practice. Passengers should be able to get a price quote on upgrades without having to pay a {$50.00} fee for the privilege to receive that price quote. At a minimum, XXXX Chase cardholders should be provided this added benefit.. 

I will be canceling my XXXX Chase card and sharing my experience online
Consumer complaint received 2016-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (FL)

On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. 

This month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. 

Also l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. 

I am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services
Consumer complaint received 2022-10-06
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. (FL)

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

Here are fraudulent inquiries on my Equifax account : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 

Here 's for XXXX inquiries reporting in fraud : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, CREDIT XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK FUNDING, L.P. (CA)

During the refinancing process of negotiation and in order to meet a competitor 's closing cost, Network Funding LP 's mortgage broker agent XXXX XXXX XXXX ( XXXX XXXX XXXX ), promised to reimburse me for the appraisal cost in the amount of {$450.00} ( in addition to discounts ), and promised to send me this check after closing the refinance deal. I accepted the offer from Network Funding LP ( XXXX XXXX XXXX ) company under these terms referenced above, and we proceeded with the refinancing agreement. A few weeks after the refinance closure, I had n't received the check and I had to remind XXXX XXXX about this term of our agreement via email, over and over again and she kept saying she would send the check in the mail. This misleading treatment from XXXX XXXX, back and forth, occurred throughout a XXXX month period and I have yet to receive the {$450.00} check. On her final message dated XXXX, XXXX XXXX made a statement that I should have received the {$450.00} check in escrow ( changing the terms of the refinance negotiations I had accepted along with her three months of emails proclaiming the same ). On XXXX XXXX, 2016, I emailed XXXX XXXX requesting her supervisor 's contact information and she refused to do so. Then on XXXX XXXX, 2016 I emailed Network Funding LP ( XXXX XXXX branch manager ), XXXX XXXX XXXX, regarding XXXX XXXX 's lack of follow-up and the non-submittal of the {$450.00} check, and have yet to receive a single response from Network Funding LP. I find their treatment of my refinance transaction and account as unethical and fraudulent. Please accept this formal complaint and please advise if there is anything you may assist me with, on this matter. Grateful for your time and guidance.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I applied for an apartment with a realtor and underwent a tenant screening and I was denied because of my consumer report I reached out to Chexsystems and XXXX  but I have not received a report explaining the reasons or a full report was not provided to me. I am a victim of identity theft and I am requesting a copy of my consumer report so that I can be able to dispute any fraudulent debt or accounts on my record.
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX OF 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 All has clearly 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have contacted this company 2 times in writing requesting written proof of my signature showing that I owe this debt. I have waited over 60 days and have heard nothing from them proving this debt is mine. They are violating my rights by not being able to furnish proof of signature.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account type as open, while Experian is reporting it as a collection account. Which one is it? Is it open, a collection account, is it charged off or is it not? Why are there so many incomplete fields? Did XXXX XXXX  not supply that information to you? 
Why is the date last active XX/XX/XXXX with XXXX XXXX but XX/XX/XXXX with Experian? 
Which one is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (NJ)

We got a letter in the mail from this company called AllianceOne Receivables Management , Inc.. Their address is XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX. The letter states that my grandma, XXXX XXXX has violitions with the port authority of my & nj dating back to XX/XX/XXXX. Since she never paid the " violitions '' they sent it to AllianceOne to collect the debt. my grandma paid this debt that same day we received the letter, XX/XX/XXXX in full in the amount of {$290.00}. The reference number is XXXX and the contact number is XXXX. I called ezpass after she paid and logged onto the ezpass account website to look for these violations, but they were not there and the representative said that there were no such violations ever that AllianceOne reported. We would like our refund back from AllianceOne and to report them for fraudulent charges.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (TX)

Hello, My name is XXXX XXXX and Im writing this letter regarding a scam transaction through a wells Fargo credit card. 
Last year on XX/XX/2022 I purchased a 1st class upgrade ticket from XXXX to XXXX XXXX from XXXX XXXX through a wells Fargo credit card. 
after paying the {$1100.00} I didn't see the upgrade on the app so I called XXXX XXXX to make sure everything went through and the representative told me the upgrade will show shortly as a business class in the connection flight from XXXX XXXX to XXXX, so I informed the representative that this not was shown on the notification on the app it should be first class for the whole flight and he can review the phone call I made to them before purchasing to go over the details, the representative ignored me then I called wells customer service and informed them what happened and they told me they cant do anything at the moment, since the transaction still pending and they will dispute it when it's processed. 
After 10 days I had to travel and the airlines forced me to get in business class in the connection and the bank dispute the amount in XXXX and charged it back in XX/XX/2022 and since then wells refused to dispute it again saying that the merchant provided proof of using the service and ignored that I informed them it was a scam after 15 min from the purchase and 10 days from the travel date. 
Below is some supporting Info : Case # XXXX Account # XXXX Thanks, XXXX
Consumer complaint received 2023-04-18
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: Sezzle Inc. (TX)

I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I as a consumer sent via certified mail an affidavit of truth to TRANSUNION LLC Tracking # XXXX stating there were unauthorized inquiries on my credit report. 

TRANSUNION LLC received and signed for the affidavit of truth on XX/XX/2023. 

TRANSUNION LLC then sent a letter on XX/XX/2023 Ref : Explanation of the inquiries on Your Credit Report with file number : XXXX Therefore TRANSUNION LLC has violated my Fair Credit Reporting Act ( FCRA ) rights.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, AEPT OF ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.