davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX that I have had with them since XX/XX/XXXX. I contacted XXXX and was told to contact my bank. XXXX  told me to tell the bank to be sure to report the information. I contacted the bank and they assured me that my information was being reported. XX/XX/XXXX I received a credit report from XXXX that did not include my mortgage with XXXX XXXX XXXX. I disputed the information with XXXX and received a reply in XX/XX/XXXX that they had contacted the creditor and they had 60 days to dispute the information.

XX/XX/XXXX I received a credit report from TransUnion that did not include my mortgage with XXXX XXXX XXXX. I contacted TransUnion and was told to contact my bank to report the information. I called the bank and was told they are looking into issue.

My mortgage is from XX/XX/XXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX   my Loan number is XXXX with a balance of {$70000.00} due
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Today, XXXX XXXX, XXXX, I attempted to put a freeze on my credit report with TransUnion and XXXX. The initial attempt for both was made on-line. After giving all my personal information and submitting the request, the automated systems came back and said they could not process my request. In the case of XXXX, they provided information on how to request an alert via XXXX XXXX In the case of TransUnion, I called a number they provided and had such a bad connection that I was unable to complete the call, despite repeated requests to provide a better connection. I have n't even tried XXXX yet. My impression is that the bureaus are making it unnecessarily difficult to place a freeze on credit reports. 

Like many Americans, I was impacted by the XXXX data breach. I want to place a freeze on my credit report for each of the XXXX bureaus quickly. Any assistance would be appreciated XXXX XXXX XXXX, VA
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

On XX/XX/XXXX there was a new collection account added to my credit report from AFNI, Inc for {$62.00} due to XXXX XXXX. I have not had an XXXX XXXX account in well over 3 years. My account was always paid in full, never late. I have XXXX  for my cell phone service for over 7 years and never an issue. This is not a legitimate account that I owe money to.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I filed a dispute with the card company on XXXX/XXXX/XXXX. I was told during that recorded call that if I returned the forms required within XXXX business days I would receive provisional credit within that XXXX business days. I called multiple times during that period to ensure that the forms were received. On XXXX/XXXX/XXXX I called and was told that the card would be credited that evening. I never received it. I called again on XXXX/XXXX/XXXX and was disconnected while on hold. I called on XXXX/XXXX/XXXX and was told that the hurricane was causing them to be unable to deal with disputes. I explained that my XXXX business days was long before the hurricane and was told that a level XXXX team would investigate. I called on XXXX/XXXX/XXXX and was told by XXXX XXXX that I could not speak with a supervisor and he would not provide a supervisors name to file a complaint. I could write a letter if I wanted to complain. I explained the issue and was again told the hurricane was the issue even though that was not in XXXX. I explained I read the terms and conditions of the card and it says they will resolve disputes within XXXX business days. If they need more time the cardholder will be given provisional credit within XXXX business days. This is on page XXXX of the terms and conditions. The supervisor that I was unable to speak with said yes, I returned everything and was eligible for credit, but that I do n't understand. The credit does n't need to be given to me within XXXX business days as the document states, I just need to return everything during that time and they will at some point up to XXXX business days later provide credit. That is not what is documented in their terms and conditions, it is n't what I was told by the dispute department or any other customer service representative. I asked again to speak with a supervisor and was told no. The phone number is XXXX. Cardholder services is XXXX XXXX XXXX XXXX FL XXXX. Their fax number is XXXX. The website is XXXX. The card is issued by XXXX XXXX XXXX XXXX and is XXXX branded card.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (OH)

In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

I have a prepaid debit card with Netspend, XXXX XXXX of 2019 i purchased a sofa online from XXXX. The sofa was damage, i contacted XXXX, They gave me back a {$250.00} dollar credit on my Netspend card. Netspend has refuse to give me access to my card and closed my account. I have called them numerous times for help with my problem.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

From XXXX to XXXX my loan amounts have grown exponentially through fraudulent practices with Navient. I was encouraged to defer my loans and was given mis-leading information on my repayment plan. In addition, I was charged exhorbitant interest fees and late payment fees due to the the processing of my loan consolidation applications and repayment applications. A loan origination amount that was estimated at $ XXXX is currently estimated at $ XXXX. Navient 's accumulated interest surpasses the original loan amount by $ XXXX. This is highway robbery and I am struggling to pay this loan back. 

I need my account investigated for fraudulent business practices
Consumer complaint received 2017-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. 

On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. 

I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Tower Loan of Mississippi, Inc. (AL)

At the moment all I can say is that I know who ( which ) XXXX  community organizations in XXXX XXXXXXXX XXXX XXXX help me with my XXXX XXXX XXXX XXXXANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK XXXX  OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS XXXX MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, XXXX XXXX XXXX XXXX XXXX XXXX  This has been going on since XXXX - XXXX ( {$550.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-11
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: EQUIFAX, INC. (OK)

I submitted a FTC Fraud affidavit to Equifax, XXXX, XXXX   and Us department ED. In my credit report there is a report that I opened a student loan in XX/XX/XXXX. I have never had a student loan in XXXX, XXXX responded in 10 Days and Stated they could not validate account from US DEPT OF EDXXXX, and in the back file there was no document to validate account, there result of dispute was to delete from file. 
XXXX also responded that the US DEPT OF EDXXXX also could not validate with any documentation and they had none on file as well, XXXX Result : could not verify delete. US DEPT OF ED has not even responded at all. BUT now EQUIFAX on the other hand must have a better way of doing there investigation cause the investigation results was they validated this account and there files has a documentation to validated this account, know this according to the person I talked to on the phone, I asked for them to send me not only the results but all documentation that supports the validation its known as a back file which is require by law to be keep to verify an account, there also required by law to disclose and show it upon request. I requested they provide the information used to validate this count, she said she send my the results only I ask for a supervisor, XXXX I believe she said her name was, I ask for the back files the supported there claim that it was validated. she assured it was validated by electronic means that the US DEPT OF ED stated it was mine and they don't keep documentation on file for account only what a company tells them, Know to make it clear this conversation was recorded my end which is being transcribed, Oklahoma is a one party consent state, and I knew the conversation was being recorded, I also informed the other party that I was recording she keep going on about whats she was not going to do and only send me the results, Now that I have all that I need to file in federal court against EQUIFAX, I have the recording, I have the Fraud affidavit filed and certified mail to Equifax, there results and XXXX results, XXXX Results, I have enough to prove my case that Equifax is being paid by the US DEPT OF ED to keep the account on report to oppress my credit to get me to pay for an account that's not mine. I will seek {$1000.00} per violation and {$75000.00} for defamation of my credit worthiness. I'm tire of disputing with Equifax and them not investigating, so I will ask for montery this time for the time they keep wasting of mine, PLEASE FILL FREE TO CHECK XXXX for my NAME, THAT WOULD SHOW ME VS. XXXX in the XXXX DISTRICT FEDERAL COURT OF OKLAHOMA, THIS IS WERE I WILL FILE SUIT AGAINST EQUIFAX, If I don't get any results.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

I mailed a certified letter to Sage Stream asking them to freeze my credit report over a month ago and to this day the request has gone unansewerd. My credit report is stillll not frozen by Sage Stream. I would like for them to freeze my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX . 
XXXX La. XXXX Last four of SS # XXXX
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

ACCT. ENDING IN XXXX CASE # XXXX You informed me that you've already investigated this and sided with the merchant but I would like Capital One to please explain to me how you came to that conclusion in detail because I have provided The Returned guarantee policy copies of it and it's very clear it's very black and white that the merchant did not follow their own guarantee refund policy how are you justifying that? In the information they provided so far everything I've read had to do with the other person in the room I'm not sure what that has to do with anything I'm the one that paid for this hotel room I don't know what the other person in the room has to do with my complaint my dispute if you're going to stand by your decision not to refund the money back to my account you need to give me details as to why because everything I've read that the hotel is provided shows that they are very guilty and they didn't follow their own guarantee refund policy so we can please explain to me why you have decided the way you have and if you don't have an answer then I expect a full refund be issued back to my account
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/XXXX a man called me and asked if I could send a box to XXXX I said I could and someone delivered it. On XX/XX/XXXX, he called again and we went thru the same process. I emailed him the receipts and asked him to sign, which he did. I also asked for a copy of his driver 's license and front and back of the credit card. Also done. On or around XX/XX/XXXX, I received notice that he was protesting, saying that the card was used fraudulently. I followed up with my processor and his bank, all to no avail. My account has been charged back $ 1,700+ and I paid XXXX another $ 1,200+ for the shipments. My card service rep told me that he has worked this scam all across the country. His credit card company is siding with him because he is a " Premier '' member. They are protecting a thief and I am really XXXX. I want and desperately need my money back. Chase will not talk to me since I am not the cardholder. They obviously know that this guy has done this dozens of times ( if not more ) and are protecting him. I have attached documents to support my claim. Chase needs to know that this is not OK. This is a Mastercard World Elite Merit 1 credit card. Please contact me if you need more information.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CapitalCredit LLC (TX)

This has taken place on the XXXX of XX/XX/2024. They are telling me I have to pay {$250.00} every 14 days. I have explained I only get paid twice monthly and my payment is {$500.00} monthly. They told me that is not satisfactory and I need to pay more. I have explained to them the loan is being satisfied and I can not pay more. Only then I started being threatened by the company. 

CapitalCredit LLC Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX