davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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. (IL)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00}
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NC)

NFCU was freezing my account for various pay periods. Which caused me to have some financial hardship and eventually switched banks. The froze my accounts and I did n't have access to any money, because of an account that my ex-husband had.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (GA)

XXXX Mortgage XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, Equifax, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have faxed and uploaded the letters to their web page that says for them to deleted the information they still have not removed the information. I have attached the letters I received and sent this information to Transunion also several times. 
1. XXXX / both should be deleted 2. XXXX / should be deleted
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX is my loan servicer. I'm in the middle of a XXXX application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a direct dispute to XXXX about the account they have on my credit file. They sent a letter back stating the account would be deleted from my file within 30 days. However, TransUnion still has the account listed on my report. Which is hurting my credit score.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

My bank account was compromised yesterday I called chase bank and they told my replacement debit card that I havent even gotten yet was compromised and they they cancelled It and will ship another one in 2 days and apply a temporary credit of the amount taken within 12 hours that never happened and they charged me 5 bucks for the replacement without telling me when I tried to call everybody is being rude and transferring me around and hanging up and refuse to fix the problem!
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.
Consumer complaint received 2022-07-20
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. (CA)

I checked my credit Report and I saw some inquiries that are not associate with me that I did not recognized so I called Eqifax and XXXX and they told me to File a complaint through you guys and then they were able to dispute it
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Service of Central Washington, Inc. (WA)

My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint : XXXX XXXX XXXX : After paying to get my XXXX credit Scores and account information:1. Why is Transunion showing my fico score of XXXX, when XXXX shows XXXX, and XXXX shows XXXX? 
2. Why on my credit report is the foreclosed property from XXXX stillon Transunion reporting and it has been completely removed from XXXXand XXXX? 
3. As the consumer financial protection bureau knowsA : The mortgage abuses from XXXX and all banks and wall streetcaused this foreclosure and short sale nightmare. It was not causedby the millions of consumers in USA, or the millions living in XXXX. 
and XXXX county. 

4. Is Transunion willfully, maliciously abusing me and millions of other consumers? 
A : What criteria is Transunion using to have my fico score at XXXX vs XXXX?
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I filed a dispute for fraud on my account and then Citibank turned me the account holder into the fraudster. 

Citi bank locked me ourlt of my accounts after filing a dispute stating I couldnt provide the correct answer for a security word. 
I have never set up a security word or question and have never been asked for one until this time understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on XX/XX/XXXX. I received my new bank card XX/XX/XXXX activated it and again went to the branch after attempting to access online banking which I was not able to do. Left the bank with access to online banking and later attempted to make a purchase which was unsuccessful. I called customer service whom laughed in my face, made sarcastic statements, and hung up in my face after waiting over 2hours for help. During this entire time i had access to view my account after they hung up in my face i no longer was able to see my balance or use online banking. The representatives were attempting to verify my accounts with a phone number that I numerously stated to them was no longer in service. I had updated my current phone number when I visited the bank that day on XX/XX/XXXX. The rep named XXXX  stated to me to update my phone number with public records which I have never heard and actually is really absurd because how. Stating the service they use can not verify my phone number and to call back to speak with someone else. I requested a supervisor who, when answered, went by the name mark and hung up on me after the call ino longer had access to my account online but the representatives only attempted to verify my accounts information via telephone number and a security question/word which i never set up. When I gave them my mothers maiden name, they told me that answer was wrong on their XXXX There were several other ways such as ssn, email, recent transactions etc. if someone calls in with my phone number that is no longer mine they can access my money and account information. On their webpage it states that I can contact them if the anser to the question has been forgotten although i never set this up and I did not get that help. They passed me around and blocked my access.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (UT)

I took a check from my XXXX XXXX XXXX account to Wells Fargo to deposit. The teller and branch manager told me a hold would be placed on the check and I told them a hold was not necessary as this was a XXXX check. They insisted so I told them to give me the check back and not run the deposit. I took the check to my other bank and deposited it, without a hold, and opened an IRA account there and deposited the check. 4 hours later I got a phone call from the Wells Fargo branch telling me that the deposit went through their system and the funds were pulled from XXXX by Wells Fargo. I spoke to the XXXX XXXX and she kept repeating that she would " release the hold '' as soon as the funds were received from XXXX. I canceled the deposit, took possession of the check, opened an account at a different and deposited the check there. Wells Fargo should never had finalized that deposit and pulled those funds from XXXX.
Consumer complaint received 2017-01-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ingo Money, Inc. (PA)

Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!
Consumer complaint received 2022-11-23
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: DISCOVER BANK (TX)

I received the credit inquiry alert today XX/XX/2022 that Discover Financial Services pulled my credit, I called them and they said they never put any inquiry on my credit file but inquiry is still showing posted on XX/XX/2022
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Approximately 4 months ago ( XX/XX/XXXX ) I reviewed my credit reports for all 3 credit bureau agencies and I noticed that AFNI is reporting a debt of {$730.00} that I am unaware of via XXXX & XXXX. Approximately one month later ( XX/XX/XXXX ) after requesting validation via a dispute, AFNI sent me an itemized bill stating that they were validating the debt. There was no signed contrtact with my signature attached and therefore they havent been able to provide any proof that this is my debt. AFNI continues to send me bill statements as an attempt to validate this alleged debt, and since they are unable to provide proof that I entered and/or signed a contract with them I would like for it to be removed from all of my credit files that they are reporting this debt to.
Consumer complaint received 2019-12-16
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: EQUIFAX, INC. (GA)

I recently tried to purchase a new vehicle but was turned down due to several fraudulent accounts and inquiries add to my credit report. I contacted XXXX, XXXX  and Equifax to have the data removed but customer service refused to help me.
Consumer complaint received 2022-11-23
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: Affirm Holdings, Inc (NY)

In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Hi, I was on a forbearance plan for 18 months period during Covid-19 with Mr. Cooper XXXX XXXX XXXX At the end of the plan, they scheduled me a trial payment which was due before XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX. The solution that they offered was to move 18 payments to the end of my loan and pay escrow and taxes for unpaid months as separate installments for 12-24 months. For some unknown to me reason, this solution ( accepted by me ) got rejected by Mr. Cooper. I called them multiple times saying that I am ready to resume payments, but my account is not eligible to make payments. I received text messages, emails, and mails that my payments are overdue and I need to contact Mr. Cooper immediately. They keep apologizing, saying that I need to wait until the system finishes processing the request, but nothing is happening for a month. My online account displays the amount I have to pay for all 18 months of forbearance. It looks like I got caught in a mousetrap by this company. They advertised false programs to help families during Covid 19. I can not pay for 18 months of the mortgage at once. Today someone knocked on my door and handed me a mail, saying that I need to call my mortgage company as soon as I can.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC ()

In XX/XX/XXXX I sold a property in XXXX XXXX, XXXX, Texas. During the settlement process I was asked for, and supplied, XXXX Bank details for electronic transfer of funds. Subsequent to settlement, in XX/XX/XXXX, I received a paper Check via surface mail in XXXX for USD {$590.00}, even though electronic funds transfer details were supplied for settlement purposes. My XXXX Bank have advised they are not able to accept a physical paper Check, therefore I am unable to access these funds.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Cadence Bank (MS)

BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (RI)

On XX/XX/20 and XX/XX/20 I was charged {$3800.00}. I never received or cashed any checks nor did I deposit or use this money. I had sent my bank statements and tried to previously resolve this. Additionally I put through a fraud claim with Citi card. I was also receiving charges from California and foreign charges as well. I would like this account to be taken off my credit report. And I dont mind paying whatever actual balance would be remaining. Not only did Citi bank not investigate the claims but they continued to ignore my claims and complaints and did nothing to protect my account from random charges and have know put all of their fees, fraudulent charges accrued and balance of over {$10000.00} dollars as a collection for money owed to them on my credit report.
Consumer complaint received 2016-05-24
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Assistance Inc (TX)

I 've been paying off an auto loan off for a couple years now and the same woman is so entirely rude. Every time she sends me a letter or I talk to her in the phone she threatens me, cuts me off, talks rudely, uses a loud voice, and I always end up tearing up after I hang up because she scares me. She has no common courtesy toward someone who is working to pay off a debt and she never tried to listen. She should not be working in this field!