davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ASSOCIATED BANC-CORP (MN)

on XX/XX/XXXX I started a transfer from another bank acct because I saw I was going to go negative. All of my transfers take roughly 24-48 hours. This one stated the same after hitting compete. A day or so later I received an email that transfers are delayed up to 5 days due to the holiday. This was odd since the holiday was still 4 days away. I reached out to the bank right away and they basically said oh well. I then started another transfer to try and prevent any issues from the other bank to Associated. So now I had {$800.00} coming in. I let Associated know. The next day I received 4 OD fees, still no deposit. Then the following day I received the one from the outside bank. 6 days later I finally heard back from Associated. They said they will only reverse one. This is clearly a bank error
Consumer complaint received 2020-07-08
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. (NC)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2021-05-19
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: CITIBANK, N.A. (NY)

Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent XXXX  copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX  caused me.
Consumer complaint received 2020-07-08
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX  XXXX {$820.00}
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I requested for a removal of interest fees when I wasn't able to pay my balance in full. My history of payment will prove that I was paying my balance in full until this shelter in happened that caused me to lose income and could not afford to make payments in full. Though I made some partial payments during those months and finally settled it last XX/XX/XXXX. The only balance I have now is the {$12.00} which is the amount of 2 interest charges for 2 months. That is the only amount I am requesting to be removed. I called TJX REwards / Synchrony Bank but did not give me any consideration.
Consumer complaint received 2021-01-26
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. (FL)

I've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MA)

My account was closed without my knowledge. I wasnt notified by Netspend I only became aware bc I contacted them to find out why I was locked out of my account. I was told my account was closed due to suspicious activity. This is ridiculous based on my activity. I received my unemployment direct deposit on the card, paid my bills on the card, used it to send/receive funds via XXXX, and used the mobile check deposit 3 times. My mother was added to my account a few months ago. She received a check from my XXXX for an upcoming trip for {$500.00} which I tried to deposit via the mobile check deposit then I was going to pay her credit card bill. She hasnt been going out due to Covid. The next day I received an email that they couldnt process the check which wasnt a big deal I could just bring to her bank to deposit however later that day XXXX tried to pay a bill and I was told my account was closed. Absolutely ridiculous Ive had this account for over a year I used to have direct deposit from my employer now its from unemployment. I asked to speak with a manager as I believed the account was closed in error to which I was told Id be transferred then proceeded to be left on hold for 1 hour 27 minutes then hung up. Ive sent multiple emails to find out when I would receive my check as I had approximately {$4300.00} in the account. On XX/XX/XXXX the account was closed I sent 2 emails the first was questions about why my account was closed the second regarding waiting on hold to speak with a manager/supervisor. They never addressed either concern but did respond on XX/XX/XXXX that Id receive my check in 7-10 days. I then emailed on XX/XX/XXXX, XX/XX/XXXX, and today XXXX to find out when my check was issued. I have not received a response and we are past the previously mentioned XXXX days as the account was closed on XX/XX/XXXX. My account was wrongfully closed and Ive had no access to my money. This has put me in a very bad financial situation the lack of ability to speak with someone at Netspend regarding the matter is completely unacceptable. Their lack of transparency and responsiveness is very unsettling to say the least. Withholding my funds not giving me any option to expedite this process is unethical. Ive attached a screenshot of my call to a manager that was never picked up as well as the sent emails to their customer service.
Consumer complaint received 2021-05-19
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: BARCLAYS BANK DELAWARE (FL)

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX BARCLAYS BANK DELAWARE # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/2018 I tried to purchase WiFi internet from XXXX XXXX XXXX they said they could not check my credit due to a hard stop. They told me contact equifax I called and the automated system said there is no freeze on my account. Then I received a notice from XXXX XXXX on XX/XX/2018 saying XXXX XXXX XXXX checked my credit? I can not get answers from either company.
Consumer complaint received 2020-07-04
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. (FL)

I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old debt.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services account no.XXXX .... is wrongfully appearing on my XXXX credit report.Wells Fargo , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers.

My 48 month auto loan was paid off.After receiving clear title, the pink slip from Wells Fargo a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for Wells Fargo fraud to XXXX the account remains on my credit report.At the least this account should be immediately deleted and Wells Fargo, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
Consumer complaint received 2018-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I paid off both student loan accounts with Navient ( servicer ) in XX/XX/ by requesting a loan payoff amount directly through Navient 's website. In XX/XX/XXXX, I received a loan payoff confirmation letter, but it only confirmed that one of my accounts was paid off. ( See attached copy ). Then, mysteriously, my account reflected that I had a several XXXX dollar rebate credit, which would be sent to me. When I contacted Navient regarding the rebate, they acknowledged that it was in error and that my student loans were both paid off on full, and that no further payments were required. 

Then on XX/XX/XXXX, I received a statement from Navient stating that I had further payments due, and that I needed to pay {$49.00} in my next monthly installment, which would be due XX/XX/XXXX ( yes, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX ). I then called Navient on XX/XX/XXXX, and spoke to Navient employee no. XXXX regarding various accounting discrepancies. She acknowledged that Navient was in error and that I would receive revised statements reflecting a zero balance. I requested a full accounting be provided from the beginning of the loan to the present, reflecting loan disbursement amounts as well as all payments applied to the loan. She said the accounting would be provided on XX/XX/XXXX. 

To date, I have not received the requested accounting from Navient. According to Navient 's online statements, I have calculated that I overpaid my loan accounts by somewhere between {$480.00} - approximately {$610.00}, but it is unclear from Navient 's records what the exact amount is. Receiving an accounting would help clarify what amount has been overpaid. 

I believe I am owed a significant overpayment check from Navient, but have not received the accounting I have asked for nor any over-payment check. I would like both of those as soon as possible, given my loan payoff in XX/XX/XXXX.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I.C. Systems has reported and posted to my credit that I owe {$550.00} for a XXXX  bill. I contacted XXXX  and they stated the amount owed is {$320.00}. I have called both XXXX  and I.C. Systems multiple times since XX/XX/2020 -today XX/XX/2020 trying to get the correct balance updated so the debt can be paid. I.C. Systems have yet to make any attempt to update this amount.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

I've recently refinanced my home and learned that my homeowners insurance was never paid by my mortgage holder Loancare ( XXXX XXXX XXXX ). My Loancare statement indicates my escrow account disbursed {$2000.00} on XX/XX/2020. I've been in communication with my insurance company ( XXXX ) and they discovered a check ( # XXXX ) was written by Loancare inthe ammout of {$62000.00}, likely a batch payment, to XXXX on XX/XX/2020 however this check was deposited back into Loancare 's account and never actually sent to XXXX nor was the disbursement reissued to my escrow account. I have been on the phone with Loancare several times, spoken with three individuals from their insurance team, each time getting different information with no resolution. I requested to speak with supervisors or directors with no cooperation, including a call back request being ignored. My {$2000.00} seems to have disappear but it has to be somewhere. I don't know if this is incompetence or fraud on the part of Loancare. Please help. XXXX
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

XX/XX/XXXX On XX/XX/XXXX of this year, we purchased a XXXX travel trailer believing it had a clear title. After completing paperwork, paying {$780.00} registration, and waiting a very long time, the DMV finally informed us that US Bank NA had a lien on the trailer. 

Working with the dealer and the daughter of the original owners ( One of the original owners is deceased and the other is in ill health and cared for by her daughter. ), we have been trying to secure the lien release since XX/XX/XXXX. 

It appears that US Bank can not find record of the original loan. On XXXX, after many calls, the bank finally asked for evidence that there was a lien. That same day we faxed the incomplete registration form stating that A LIEN SATISFIED IS REQUIRED FROM US BK NA along with Application for Duplicate or Paperless Title, and bill of sale ( both signed by the owner ), the last renewal notice from DMV and a letter I sent to the original owner.

US Bank gave no response. I called again XXXX and was told to email the same information I faxed in XXXX, which I did. After assurances that I would hear something in a few days, no communication came. 

My husband and I are retired and have put over {$11000.00} into the trailer, a trailer that we can not use or sell. All parties involved in this sale have spent time trying to secure this lien release. Obviously, my husband and I should never have purchased the trailer without a pink slip. However, it seems that the Bank has an obligation to resolve this issue especially since the family of the original owners have also requested the release.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

I submitted a written request for specific information in order to establish the legitimacy of an alleged debt owed. After thirty days I still had not received the information I requested, nor had I gotten a response to my request. I made a second attempt to contact the company, included a copy of my first information request and a request CEASE and DESIST any and all further attempts to collect this alleged debt, which remained unanswered for in excess of thirty days. Over two months after the initial request I still had not received any type of response. I sent a third request for the information and requested they CEASE and DESIST any and all further attempts to collect this alleged debt. In addition, I requested they refrain from reporting to and/or remove from any credit reporting agencies this alleged debt that is currently in dispute and to provide written documentation that they complied with this request. I have spent months attempting to rectify this problem. I have no desire to escalate my frustration by continuing communications with this company. Its my belief that continuing to report this alleged debt to multiple credit reporting agencies without allowing me to verify the debt is harassment and a bullying attempt to collect an unverified debt.
Consumer complaint received 2019-03-07
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. (OK)

Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to Equifax and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it Equifax sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my XXXX and Equifax score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I paid off the balance owed to Chase Freedom Acct # - XXXX. Due to the fees charged to my account, they did not show a XXXX balance until XX/XX/XXXX. I disposed of the cards and never used account again. I continued to get offers from the company which I disposed of them as well. In XX/XX/XXXX, I began to receive calls from a collection agency to which I explained that this account had been paid off since XX/XX/XXXX. The collection agency tried to contact Chase and did not receive response. In XX/XX/XXXX, another collection agency contacted me and I told them the same thing. In XX/XX/XXXX, I wrote Chase a letter stating all facts and they responded by sending 75 envelopes all with the same exact pages in them. In XX/XX/XXXX, I was able to reach a representative from Chase and was on the phone for a long period of time because Chase changed the account number and they could not locate account. I was then informed about charges using XXXX to XXXX, XXXX all within a 4 day span. I do not have a XXXX account and did not make these charges. Chase Freedom continues to report negative on my credit reports. Chase needs to correct these fraudulent charges and show a XXXX  balance.
Consumer complaint received 2020-12-01
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. (SC)

On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-07
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. (TN)

I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an Act of XXXX to get the BK Courts to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand EQ XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and  completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.