davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has an option for consumers to use their online dispute feature at the website disputetransunion.com. There system is preventing me from accessing this feature without providing me notice. I correctly logged in with my account, I know this because I can access my profile and it reflects my information, but when I try to use the dispute feature I get the following error message : We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. Please contact us at ( XXXX ) XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I then tried to log out and click the log in help link that says Forgot your username or password? and directs to the link https : //dispute.transunion.com/XXXX. 

That link directs you to a page that asks for credentialing information, which is social security number and last name. When I correctly enter that information, it directs me to a new page with the following error : We are unable to complete your request. 
What happened : We could not log you in with the information you provided. 
What to do : Please contact us at XXXX. 

I strongly believe that this is due to the fact that I have recently accessed the dispute page on numerous occasions to compile the information that I need to generate an online dispute regarding a specific item on my credit report, but have yet to submit. I believe that the company is trying to limit my rightful access to my report. Thank you.
Consumer complaint received 2020-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (WI)

I currently have a loan through " Figure XXXX '' and I am attempting to refinance through " Earnest. '' On XX/XX/XXXX, the dispersement was sent from Earnest to XXXX but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, Earnest states they resent the payment to XXXX, but due to this not being an " Earnest error, '' I was charged interest for the days that Earnest did not have the money. This totals {$430.00} in interest that was accrued on my Earnest loan even though XXXX states they never received payment. XXXX also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though XXXX has still not received payment.
Consumer complaint received 2018-09-28
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NY)

Agreed to a rate reduction program on the basis that my account would not go any further negative once i started making the qualification payments.Instead they kept reporting it getting further and further delinquent even after i made all the qualifying payments. When i brought it to their attention they just told me to keep paying and they would investigate it further. They took over 3 months to even address the issue. I made several contacts to them asking about the status of this and always got a response saying they were still working on it. It was not until i told them i was stopping my payments that they, all of a sudden, came to a resolution about fixing it. They did fix the initial issue after 3 months but by that time my cosigners and myself had already had all cards and such terminated due to this huge error. Now, since i stopped paying, the refuse to bring my account into current standing. I only refused to pay so something would be done! This all stems back to when i originally set up the plan. At that time i agreed to the plan and paid the qualifying payments like i was supposed to and they didnt hold up their end by telling me i wouldn't go further delinquent. So i felt it was fair for me to stop making payment after they clearly violated our agreement and thought nothing of it, since they waited over 3 months to come to any resolution on this issue.
Consumer complaint received 2018-09-28
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to Experian that included the following accounts : XXXX/XXXX XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX  of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by Experian, XXXX  and XXXX. In violation of the Fair credit reporting Act. 

In addition, XXXX, XXXX and XXXX continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WI)

Dear FCC, I am writing to file a formal complaint against Square Inc., a payment processing company, regarding the unjustified deactivation of our business account and the withholding of our funds. Our company, XXXX, is a legitimate hemp business that has been unfairly subjected to discriminatory practices by Square Inc. Here are the details of our complaint : 1. **Account Deactivation : ** On XX/XX/XXXX, without any prior warning or specific reason provided, Square Inc. deactivated our business account. This sudden deactivation has severely disrupted our operations, preventing us from processing payments for our products and services. 2. **120-Day Fund Hold Policy : ** Square Inc. has a stated policy of holding funds for 120 days following account deactivation. However, as of today, XX/XX/XXXX, we have not received our funds or any resolution to this matter. 3. **Lack of Communication : ** Despite numerous attempts to contact Square Inc. and request an explanation for the account deactivation, we have been met with silence. Furthermore, Square Inc. has not allowed us to speak with an account specialist or provided a specific reason for the deactivation, leaving us in the dark regarding the circumstances. 4. **Discriminatory Practices : ** We strongly believe that our account deactivation and the withholding of our funds are a result of discriminatory practices. As a hemp company, we feel that we are being unfairly targeted and subjected to financial harm without just cause. We request the FCC to investigate this matter thoroughly and take appropriate actions against Square Inc. for their unjust treatment of our business. We seek the following outcomes : 1. The immediate release of our withheld funds in accordance with Square Inc. 's own policy. 2. A transparent and detailed explanation from Square Inc. regarding the specific reasons for our account deactivation. 3. An investigation into whether our business was discriminated against due to its affiliation with the hemp industry. 4. Appropriate penalties and corrective actions to ensure that Square Inc. adheres to fair and ethical business practices in the future. We appreciate your prompt attention to this matter, as the unjust withholding of our funds has had a significant impact on our ability to operate and serve our customers. We look forward to a resolution that upholds fairness and justice.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On three occasions, I tried to open a savings account at XXXX XXXX XXXX  branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX  stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (TX)

I have received no information in writing from this business. I logged in to check my credit report on XXXX and noticed a derogatory remark from Nationwide Credit & Co. 

When I attempted to call the number listed at XXXX XXXX XXXX for Nationwide Credit & Co, it is disconnected. I asked XXXX  to verify the debt and they updated the file as from XXXX XXXX, XXXX TX online but provided no other details. I believe this to be a debt I have been paying regularly since XX/XX/2020 without missing a monthly payment, but I never received a letter or bill from the hospital or from Nationwide, nor did I recieve a call. The credit report does not list any payments which I've made since XX/XX/2020 and I have had no attempts to collect from Nationwide or XXXX either. Nationwide Credit is at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX per XXXX.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AZ)

This is not mine, not sure what to say. I have never dealt or had business with XXXX XXXX or collection agency " Professional Bureau of C ''. They will not stop reporting to credit bureau XXXX, they lied to XXXX. Trying to strong arm me into giving them money so they'll stop harrassing. Requesting they stop reporting and correct the report by telling XXXX  to delete account.
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (SC)

I have a disagreement with the practice Santander USA has manage this loan account from XXXX  to XXXX. 

The original lender of this account was XXXX XXXX XX/XX/XXXX 

XXXX XXXX XX/XX/XXXX gave it to XXXX XXXX, XXXX XXXX gave it to Santander USA in XXXX. 

Santander USA claims it was manage my loan account since XXXX, which is false, they know it, I know it. 


I calculated {$550.00} a month x 10 years which equal to {$66000.00} I pay on this loan account.
Consumer complaint received 2018-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 I tried submitting an online dispute with Equifax via their dispute website : www.investigate.equifax.com. I received an error message that said they were unable to initiate my dispute with the information I provided. I then called ( XXXX ) XXXX to file the dispute with a live agent. After holding for several minutes, my call was answered by a representative named " XXXX. '' XXXX asked me my confirmation number and I provided it to him. He then asked if he could place me on a 1 to 2 minute hold, while he tried to access my information. He came back on the line and asked my my name. I gave it to him and he asked me to repeat it twice. I did. He then asked if he could place me on another 1 to 2 minute hold to verify my information. He came back on the line and asked me for my address, I gave it to him. He asked me to repeat it twice, I did. He then asked to place me on another 1 to 2 minute hold. He came back on the line and asked me how could he assist me. I told him I was unable to submit a dispute online and need the assistance of a representative. He then asked me my confirmation number AGAIN. I asked him what the problem was and he said he just needed to place me on another 1 to 2 minute hold. He came back on the line and said he needed to verify my information again and would I be able to repeat it. 

I feel like I'm being treated like I'm doing something wrong by trying to access my OWN personal and confidential information. I was unable to get assistance online or via phone with Equifax. This has happened to me in the past, and I need clarification as to what the problem is. 

My credit is crucial to my well being and I am unable to get answers or assistance from Equifax. 

I need help.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (OH)

On XX/XX/2018 from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX requesting payment of {$810.00} for proclaimed damages to a rental car that I rented from XXXX XXXX XXXX XXXX on XX/XX/2018 and returned XX/XX/2018. 

This car was not damaged when I returned it. I walked around the car with the agent who checked in my vehicle. When the vehicle was checked in, it did not have any damage. The Viking agent sent pictures of a vehicle with a large dent from a yellow pole on the passenger rear door. This automobile was not damaged upon my return of the vehicle to XXXX. 

If there was damage, why was it not identified by the agent and myself while checking the vehicle in. Also, if there was damage, why would it take seven weeks to present the invoice to me? I spoke to XXXX XXXX from Viking and explained to her that I did not damage the vehicle. She stated that my car insurance or credit card will just pay for it. 

I did not damage this vehicle. This is a scam! 

XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XX/XX/XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WI)

Unsolicited credit card was sent to me in XXXX of XXXX from XXXX with my name on it. I called XXXX and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX  credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from Radius Global Solutions LLC saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit score was XXXX.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (CT)

Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. 

I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. 

Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.