davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been having an ongoing issue for the past several months with transunion deleting my inquiries, then re-inserting them. I just called their customer service number at XXXX and their customer service would not help and take care of the negative inquiries reporting to my credit report. So I am asking for the help of the CFPB and would really appreciate your help. 

This is the list of inquiries I would like deleted XXXX XXXX XXXX XXXX/XXXX/16 and XX/XX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 and XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Thank you
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED/XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I need to dispute late payments off XXXX I never paid late and its paid in full so Im confused I also previously disputed XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$270.00} They are identity theft and I sent proof of police report and identity theft report No response
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NH)

Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2020-10-19
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. (TX)

I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I purchased a vehicle through a dealership and was financed with Santander Consumer USA. They are the worst in terms of LYING after making payment arrangements on my loan ; I was told that those arrangements were never made. Causing the loan to be in default and allowing them to Repo the vehicle. after this happening 2 times, I decided to start recording the conversations. on multiple times I was told that the arrangements were not made, or that the payment didnt include certain fee 's which allowed them to tack on more fees after the car had been Repo 'd. On XXXX XXXX, 2016 I was sitting in the vehicle with my Husband the Truck driver ( Repo ) Rammed into my vehicle with us in the vehicle causing injury to our XXXX. after we are sitting in the vehicle in Mid-air the truck driver gets out of his truck and comes around to the drivers side and try 's to pull me out of the vehicle ( I was assaulted and Battered ) by the driver as the other person working with him in an unmarked car had drove up behind me and blocked me in ; So, that I could'nt back out of the driveway. I have been harassed, Followed and caused pain and suffering by the the driver and his partner. when this situation occured my Husband called the police while he is sitting in the backseat suspended in mid-air. The police come and take a report and tell/Instruct the driver not to have any contact or come with-in XXXX feet of me or the vehicle ; Until, I made contact with the finance company on Monday XXXX/XXXX/16 by the end of business day. During the week-end I was still under attack by the Truck driver and his partner, constant following and the ended up picking the vehicle up on the day prior of the instructions by the police. the vehicle was then taken to the vendor XXXX XXXX XXXX who contracts with the towing company XXXX XXXX in XXXX, Arizona. After paying the $ XXXX to get my vehicle back from out of Repo status the Vendor told me the car was damaged and not operative the Tire Rod had been Busted and Gas tank had sugar poured into It. 
I had to wait 1 week before picking up the car.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I initiated a dispute on my CitiBank XXXX credit card for charges done in XXXX XXXX. In XXXX XXXX, I paid to replace the catalytic converter on my vehicle. In XXXX XXXX the part failed and the merchant ( auto-mechanic ) replaced it. The part again failed in XXXX XXXX. After repeated attempts and failing to resolve the matter with the merchant, I submitted a dispute in XXXX XXXX. With my dispute I submitted supporting documents from XXXX that the catalytic converter had never been replaced or was replaced with a used part. I contacted the CitiBank dispute department starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these conversations I was informed that CitiBank would do a COMPLETE investigation of the dispute. On XXXX XXXX, XXXX, I received a letter indicating that do to the lapse in time from the original charge date to the date I initiated my complaint, there was nothing they could do. I called CitiBank dispute department on XXXX XXXX, XXXX and spoke with XXXX, who informed me that XXXX sets its time frames for disputing charges and there was nothing CitiBank could do. I spoke with XXXX the supervisor, who informed me that there was nothing they could do and had to abide by XXXX investigation policies. 

CitiBank did not disclose at anytime that my dispute was out of time frame in addition to making no attempt to contact the merchant that my dispute was against. In XXXX XXXX, CitiBank asked for additional documents for this " investigation '' which I submitted in a timely manner ; however, there was no actual investigation done since according to XXXX policy I was out of the time frame. In XXXX XXXX and XXXX XXXX, I called the CitiBank dispute department and I was informed that the investigator was waiting for a response from the merchant ; yet there was never correspondence sent to the merchant regarding this dispute. 

CitiBank intentionally withheld critical information regarding my dispute time frames. CitiBank also misled me when I was informed on multiple occasions that the dispute was under investigation when in actuality nothing was being done on their part except to collect documentation from me. 

The letter received XXXX XXXX, XXXX should have been sent to me in XXXX XXXX when I still had the ability to locate the merchant and not 90-days after the fact. CitiBank was aware of XXXX investagtive policies yet they allowed the account to accumulate interest charges and waste my time. 

This is bad business. I applied for a credit card with CitiBank and they failed to protect me. They allowed a fraudulent merchant to take advantage of me. CitiBank led me to believe they had my best interest at heart and all the while they did nothing during this supposed investigation. CitiBank was the issuer of this credit card and should be responsible for protecting the consumer. CitiBank failed and did a poor job of protecting me.
Consumer complaint received 2016-03-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MD)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach XXXX in 2017, and has not stopped XXXX sent me to XXXX I have never known of them until recently after I sent in my IDTHEFT report. The fraud is attached to my maiden name, I have been married for XXXX years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than XXXX person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I have disputed two accounts with Equifax which show on my report as still being investigated. It has been far past the 30-45 day investigation period. I have sent two letters via XXXX Certified Mail with Return Receipt and have had no response. The accounts in question below should have been deleted from my report. 

They are now in violation and are continuing to report incorrect information. The accounts in dispute are below. 

XXXX ACCOUNT # XXXX AND XXXX ACCOUNT # XXXX
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have been charged 50 overdraft charges on one of my accounts and 53 on the other illegally. Neither account is allowed to overdraft and it 's being done without notification of any kind. Example. I open my phone app. Let 's say it says, Posted balance :. {$1000.00}. Pending charges :. {$950.00}. Available balance :. {$44.00}. So I take out {$40.00}. Something else goes through and I get hit with an overdraft charge. I meerly took what the app said was available yet they hit me with a {$35.00} overdraft charge. They have refunded a couple that I 've noticed at the time but I sat with my banker the other day and he pointed all this out to me. Total that 's over {$3600.00}. this is just in the last 12 months and my banker told me his system wo n't go back further. This is unacceptable. I tried contacting the corporate offices. I had an argument with the unprofessional person that spoke to me and the result was they closed one of my accounts stating " they no longer wished to do business with me '' yet left my other account and credit card in tact. I am outraged at this situation and want my money back. I 'm XXXX years old and battling XXXX. I do n't need this aggravation or stress. I ask please someone help me.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I recently disputed the following information and Equifax 's investigation results did not delete the expired account from my credit file. Equifax is reporting incorrect information on my credit report in reference to an account XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Recently I disputed a bankruptcy with transunion that was verified as acurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that transunion is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my transunion report and has long been gone from the other credit reporting agency 's.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (KS)

National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX  XX/XX/year>. Unauthorized charges. Ive asked the Bureaus to remove it from my credit report. They have not been removed. The Bureaus did not do what I asked. I have attached an identity theft report. I requested them to be removed because they are inaccurate and are not mine.