davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Financial Solutions, LLC (TX)

I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into XXXX  with the intent of stealing or not paying for the merchandise. He then hung up.
Consumer complaint received 2021-09-14
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. (CA)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

XX/XX/2017, I was involved in a car accident. I had XXXX for a auto insurance carrier and XXXX XXXX for my health insurance. The insurance had already met the policy limit with XXXX and they was supposed to be paid with XXXX  XXXX. I provided the health insurance company with the Letter and payment history to let them process the claim. I called XXXX XXXX for a year and half now. I haven't go nowhere. I met my health deductible with XXXX  XXXX so it should been paid in full. Now, I have this PHOENIX FINANCIAL SERVICES LLC that never sent me a bill nor provided me with this debt.
Consumer complaint received 2021-06-30
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. (IL)

XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.
Consumer complaint received 2022-04-30
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. (CA)

Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, XXXX is willfully reporting wrong student loan balance to ( 1 ) TransUnion ( 2 ) XXXX ( 3 ) XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the XXXX loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all XXXX of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. XXXX of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. AES updated the 30 day late comment on my credit report for XXXX bank but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to AES in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Kentucky Higher Education Assistance Authority (KY)

My debt is almost XXXX I contacted kyhigher education to try to get my monthly amount lowered because I can't get deferred they won't let me. My monthly amount right now is XXXX $ I can't afford that on what I make and I've tried several times to address this issue with them and they tell me they can't help me lower my payments.
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (IL)

People 's UnitedBank is the servicer for my home mortgage. We've been aggressively paying on our loan, and instead of applying those extra payments to our loan balance, they have been holding them as future payments. 

Currently, they are holding payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. ( {$1200.00} is the normal payment, {$770.00} is our overpayment ). 

As a result of them not properly applying our payments, we've been getting charged extra interest.
Consumer complaint received 2018-02-14
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: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation (GA)

I have several hard inquiries on my credit report that are fraudulent I need removed One main financial XXXX XXXX XXXX XXXX One main financial XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One main financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (FL)

XXXX no longer has my credit profile on their website when I log in to my account on XXXX  theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my XXXX credit score hasnt been updated in two months and when I log in to experian to check my XXXX report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at XXXX about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (TX)

I have attempted on several occasion to tend to the account of my student loan debt. I have been garnished by IRS on all tax returns for the past several years, during which time I have been denied any and all access to information about the dispersal of these funds in relation to my account. I can gather no actual data on the thousands of dollars that have been taken from my Tax Returns and applied to the " Student Loan Debt ''. The best that I have been able to gather over the phone is that they have applied 100 % of the monies that they have collected from me to the interest on the loans and not one penny towards the principle whatsoever, which leaves me in a position of perpetual debt with no possible routes to a meaningful resolution. I want to press charges and transfer my debt into the hands of an actual broker whom can handle the debt without engaging in racketeering an openly flagrant blatant abuse of all known audit law.
Consumer complaint received 2022-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (IL)

I bought my home in XX/XX/XXXX, shortly after I received a notice in the mail that I had a package. So I was thinking that maybe a package was trying to be delivered that I missed. So I called the number and found out that it was regarding a water softener. 

The sales man came out like the end of XXXX beginning of XXXX, went over his sales pitch and showed me how bad my water was and how if I get their water softener all the benefits that come with it. 

He then start asking me how much we pay for drinking water, dishwashing liquid, hand soap, filters for the refrigerator, and laundry detergent. It came out to like {$110.00} a month. He then said we can cut that in half {$54.00} and give you free dishwashing liquid, shampoo. hand soap, and laundry detergent. He ended it with you'l pay {$54.00} a month for 5 years, and I had 3 months to start paying, in which my first payment, would be due XX/XX/XXXX. He just needed to do a credit check and send an installer out. 

Awesome right, wrong! The installer came out, he had to drill holes in the wall, unbeknownst to me a that was never mentioned. Then the water was soft the first 3 months, now it's feeling hard again even after we bought bags of salt from XXXX. With our ice maker on the refrigerator he pointed out you see all this white residue was the chlorine that's in the water prior to the installation of the water softener, however after the water softener it's still a white residue, so pretty much nothing changed. 

Here 's what brings me to my complaint today.I feel like I was GOT, this was a gimmick. I look at my credit report often since I'm a victim to identity theft. I noticed that Aqua finance is on my credit report, reporting the product at {$46000.00} and the balance that's due today is {$4400.00}. If you take the {$54.00} I was told that was due each month and multiply that by 5 months that's come up to {$270.00}, right, wrong. For every payment I make for {$54.00} {$37.00} goes to interest, in which that was never discussed. So out of my {$54.00} only {$16.00} is going to the premium. 

Since it was a loan, I figured it was like you going to The XXXX XXXX or XXXX, where you get a piece of furniture and all the finance charges are included in that monthly fee. Well I called the customer service number on Thursday and basically the rep was like yes the interest is like {$1.00} a day. Now come on do you think I would've got myself in debt like this, I'm very smart when it comes to my money, I just don't spend it carelessly. 

Now the sales man lied to me and keep in mind I didn't receive my first bill until XXXX by that time it's too late to return the waters softener because you only had like 3 days to do that after installation. This company is a rip off and they need to be shut down.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax no longer has my credit profile on their website when I log in to my account on equifax.com theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my equifax credit score hasnt been updated in two months and when I log in to XXXX to check my equifax report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at equifax about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that XXXX XXXX was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX  and XXXX as XXXX XXXX XXXX XXXX XXXX and reported to TransUnion as XXXX XXXX XXXX XXXX XXXX. It was discussed with the local branch in XXXX, XXXX, which pushed it to XXXX XXXX Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the XXXX XXXX XXXX of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is XXXX problem and is a software glitch on XXXX XXXX 's end. 
I filed a complaint with TransUnion on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with XXXX XXXX XXXX Credit Card Customers across the country.
Consumer complaint received 2021-06-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (MO)

I talk to XXXX college about not be able to attend school years ago on the behalf of not having wifi to take the courses. They didn't believe me enrolled me and still charged me. After I had told them that I wasnt able to attend at that time.
Consumer complaint received 2021-06-30
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. (NY)

On XX/XX/21, I called my credit union ( bank ) to ask about loan rates ( in general ). They then ran an inquiry on my name, without my permission, and called it a mortgage application. I found out about it immediately & called them to demand them to remove the inquiry. They said they did, but that it might take up to 30 days until it disappeared. I then had them send me a letter stating that this inquiry was run on my by THEIR mistake & that I did not make any loan application ( not mortgage or otherwise ). It's now been 1- 1/2 months & it is still showing on my credit report. This is WRONG.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (UT)

Today, XX/XX/18, I received a pre-approval notice for an XXXX XXXX credit card from Citi. I visited the website listed with the information, I read through the terms, and filled out the required information. As I read the information included in the envelope as well as the information on the application website, I noticed that Citi mentioned that a soft credit inquiry had already been performed. I would receive a hard credit inquiry with the application approval. I submitted the application, and saw a message informing me that my application wasnt approved, despite my application being PRE-APPROVED! No reason for the denial was provided. I also received a hard credit inquiry on my XXXX file, despite Citi claiming that I would not.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I went to Chase after in prior days attempting to open an account on-line and was notified I had already had an account in existence. I called the phone first and spoke to someone in customer service before going to the branch. I was notified what was needed and what I needed to do in order to proceed with account opening at the branch. While at the branch, the first banker that offered to assist was apprehensive and hesitant in assisting me. After requesting my identification and social security card she told me she would be back and that she needed to make a copy of it. I obliged but she proceeded anyway. Upon her return from scanning/copying she informed me that she would not be able to open my account because a business was utilizing my social security number as their EIN. After presenting my  identification I was confused. I told her that I did not authorize that business to use my social security number as their EIN. She insisted that if she opened my personal checking, the bank would automatically link the unauthorized business account and my personal account together. She did not proceed to assist me, instead sat there arguing the indisputable facts with me. She told other bankers not to assist me since she couldnt. Her professionalism was very poor.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.