davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you
Consumer complaint received 2021-04-29
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. (FL)

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and Trans Union still have XXXX XXXX XXXX is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and trans union That I dont recognize - XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date Apr XXXX, XXXX Status UNPAID Balance Date Apr XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

My company offers an XXXX through Wells Fargo Bank. During Spring 2016 I had a medical bill I needed to pay and went to transfer some of my XXXX money to my XXXX checking account. At that time, I was told I could only transfer my XXXX money to a Wells Fargo account and thus had to open a checking account with them and had to buy checks. The checking account requires a {$1500.00} daily balance to avoid fees. I 've asked the XXXX team why I ca n't transfer to my other account and have been told it 's " because our system does n't allow for that. '' I do n't need to have a Wells Fargo checking account, as I have one I use on a regular basis already. I 've asked the retail banking team to have the monthly fees waived and they 've said no because I did n't maintain the daily balance. So now I have had to tie up {$1500.00} in a checking account I do n't want or really need, money that I 've put aside for medical bills due to XXXX and XXXX. I feel they 're keeping my money hostage and no one is taking responsibility for addressing an issue that does n't sound fair. Can you help?
Consumer complaint received 2021-05-25
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: DISCOVER BANK (FL)

Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax is completely disfunctional. I am not able to get my 'free ' annual credit report online. I can not check the status of a credit freeze on their website. 
On XXXX XXXX, 2019, I tried to get my free annual credit report from Equifax online. After providing all of the necessary information, I received a message that credit reports are not available online, and that I would need to print, fill-out, and mail an 'Annual Credit Report Request Form '. The form requires my SS number, DOB, full name and address, and directs me to send all of this vital information through the US Mail to an address labeled : Annual Credit Report Request Service! 
How insane is that? 
I am on a secure website which will not allow me to get my annual credit report, but I can send all of my information through the mail with a big red flag on it that says 'please steal my identity '? 
Equifax is a terrible company that puts every roadblock imaginable in front of the consumer. 
XXXX and XXXX are near-perfect. It is a startling contrast. 
Please, please force Equifax to either provide the services that they are required to provide to the consumer, or make them leave the market.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Complaint # 1 I changed my home insurance to XXXX XXXX in XX/XX/2021. My agent notified me all insurance information was updated. In XXXX, I received a letter from Huntington Bank indicating they did not have insurance information. I went online to https : XXXX and completed the information and uploaded a copy of the insurance document. I received another letter on XX/XX/XXXX. Again I went online and updated and uploaded my information. 
Now, on XX/XX/XXXX, I received a letter from Huntington Bank indicating they are charging me for home insurance because they did not receive a response. 
I went online again today for the 3rd time and uploaded my insurance information. the site specifically says if there is a problem, I would be notified by email. I have never been notified of a problem. 

Complaint # 2 Huntington Bank decided to increase my monthly mortgage payment by almost {$300.00} per month. I received no prior notification this would happen, or an explanation as to why it happened. 

Complaint # 3 TCF Bank had predatory collection practices. I became delinquent for one month and was unable to catch up that payment. My husband had many XXXX XXXX and passed away because of them. I had asked TCF for a one month forbearance to allow the payment to be skipped. They denied me and continued to charge me late charges every month. I was finally able to get caught up.
Consumer complaint received 2020-10-16
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX XXXX. 
I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX/2020 XX/XX/2020 XXXX/XXXX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc. (SC)

I was solicited by a credit card company called " Prosper '' with a pre-approval for credit - I accepted the approval after calling to discuss the details in which I was advised that the company would waive their one-time annual fee of {$39.00}, which was fairly low to begin with but not justified as I have much higher credit limits with no fee and advised " Prosper '' at the time I would not be interested otherwise. I received the card and called in as a fee was noted, I did not activate the card at that time as the company said they were wrong and could not or would not waive this fee- I therefore advised I would not be activating and to close the account. The company 's customer service after several calls agreed to cancel and refund the fee - however I received a bill in XX/XX/XXXX with the fee. I called back and spoke to their customer service again and was advised it was likely send in error as they were addressing it. Today : XX/XX/XXXX at around noon EST I received an agressive collection call toward this {$500.00} ( and I point that out as it's a bit pathetic they were agressive when the initial limit was only {$500.00} ) credit limit stating I owed approximately {$60.00} to include the annual fee and now a late fee and they demanded to know why I was late - to which I went into the above statement. This nearly cost me my job because they would not work with me nor would the company allow me to escalate, nor would they cancel the account and bill me where I could dispute it, nor would they even provide help with the account details so I could call back to dispute nor would they even provide me an address to have an attorney send them formal communication. This has been a very surreptious and scandelous company and all I have been seeking to do is close down this account as I did not activate the credit card, did not use it as I mentioned it was never activated, and as I destroyed the credit card the moment I cancelled back in XXXX, I did not have the credit card information to work with and the company made it very difficult for me as they claimed my SSN/DOB etc. was not sufficient. I did eventually get the credit card number and was able to provide that but the company after aggressively demanding I pay the full total before they would so much as cancel the card or account, I am now filing this complaint as I will likely be at risk of fraud with an account open that I have been denied access to and access to cancel.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (MD)

On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports.
Consumer complaint received 2016-01-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I have got scamed this person called me on the phone to return XXXX dollars for trying to fix my computer. they were going to put in in my checking account. they recalled me to say they could not return that little amount so they informed me they were going to tranfer XXXX to my checking account and i was to return XXXX to them. while they were on my computer they transferred XXXX from MY savings into MY checking. they never did refund their own money into my account and they inform me to send the XXXX with XXXX to XXXX XXXX his boss. after that they recalled me to ask for another XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Auto Lenders, Inc. (FL)

I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX  and the status is already CLOSED.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (CA)

I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''
Consumer complaint received 2022-02-07
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. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I disputed XXXX XXXX XXXX, XXXX account on all XXXX of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent  another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX2019-My paycheck did not show up in my account this morning. I am missing roughly 1,000 dollars. Tried contacting the bank, no help. Tried to call, phone lines were busy. The bank would not communicate with us about our paychecks. 
Also, it took about 20 minutes to get connected to the mobile app.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

My membership was cancelled with XXXX  XXXX  and they still attempt to collect after telling me the membership was cancelled. They have horrible business tactics and have no sent it to collections. 

I also wrote and sent them an email requesting the cancellation again to main branch with the other letter given to me at the other branch attached. Both are included.
Consumer complaint received 2023-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received an inquiry alert from XXXX on XXXX. When first calling Bank of America ( the same day ), the representative explained that they had no information in regards to any credit inquiries on XXXX. They then directed me to call XXXX because they stated that they had no information for me. 

I then called XXXX ( the same day ) but they were closed for the day. The very next day on XXXX, I called XXXX and they placed a fraud alert on my account and thought that it is very strange that Bank of America had no information for the credit inquiry. The XXXX representative then explained that they are only a data reporting unit. 

I did not authorize Bank of America to create a credit inquiry for me on XXXX and I am fearing that my personal information may have been used for possibly opening an account or line of credit in my name and identifying information.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MI)

In XXXX of XXXX, FED LOAN took possession of my student loans. FED LOAN is inaccurately reporting 15 late payments starting on XX/XX/XXXX through XX/XX/XXXX on all 3 of the major credit bureaus. On XX/XX/XXXX, my student loans were in consolidation, and the next due date was due on XX/XX/XXXX. I have submitted an attachment listing the information. 

On XX/XX/XXXX, I talked to XXXX id # XXXX who stated that my loans were in forbearance for 30 days, which I believe this is inaccurate because the loans were consolidated. I have submitted an attachment listing the aforementioned information. I am unable to resolve this issue with FED LOAN because every time, I call the staff was impolite and were unable to assist me.