davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (CO)

I recently discovered errors on my XXXX and XXXX credit reports. Both were reporting a 90 day delinquency starting XX/XX/XXXX and 120 days through XX/XX/XXXX. 
My student loans were consolidated in XX/XX/XXXX and I was in a forbearance program from XX/XX/XXXX-XX/XX/XXXX. I have provided the necessary documentation from the national loan database, my servicer at the time was EdFinancial, the servicer who owned my loan after it was consolidated. 
I have reached out to them and they said they did not report this, and I have been trying to find out who reported this, and continues to report it, as EdFinancial is the only servicer who can possibly be reporting this as they owned and serviced the loan during this time. 

On XX/XX/XXXX, XXXX deleted this account ( # XXXX ) from my credit report in response to my dispute. It states the reporters are XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. 
On XX/XX/XXXX, XXXX claims it deleted this same account XXXX # XXXX XXXX from my credit report in response to my dispute. However, it states the reporters are US Department of Edu Afsa,  XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX. 

I have called the 800 number provided numerous times in the past week and the only time I was able to reach a live person, he told me I needed to contact my servicer at the time and hung up on me. 
Edfinancial states it did not report this, as their notes indicate a forbearance from XX/XX/XXXX-XX/XX/XXXX. Therefore, regardless of who is reporting this, the information is wrong because the loan was never 90 or 120 days delinquent. 
XXXX states they deleted the account, but the reporters are still reporting it to XXXX so I am at my wit 's end trying to resolve this issue.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CA)

I applied for a home mortgage today at 2 banks XXXX XXXX XXXX  and XXXX XXXX XXXX and was denied. I found out from XXXX XXXX bank that the reason was my low credit score XXXX, which they obtained from XXXX. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( XXXX XXXX, and XXXX  ). From XXXX, my credit score was XXXX. 

I called XXXX  and asked about the the discrepancy and was told that the problem is likely the third party company, CoreLogic Credco LLC ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called CoreLogic Credco and after a very extensive hold, I was told by a customer service agent that the the score came from Fair Isaac ( FICO ), and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application.

Attached are my credit score from XXXX website, which I had to pay $ XXXXmonth subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and XXXX  as the source of the info. The letter also states Credco LLC as another credit info source.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

Chase arbitrarily suspended access to ALL my Chase accounts on XX/XX/2018, including my checking account and 4 credit cards, because somebody who has Quickpayed me many times previously tried to Quickpay me money. 

The other account sending the transaction was a Chase account, and there was a 3+ year history of money transfers between my Chase account and theirs. 

When I called the number on the " your account access has been suspended '' screen, they informed me that my account was fine, but they had suspended online access and the accountholder sending me the Quickpay would have to call and verify the Quickpay transaction before they gave me access again. 

Fast forward more than 6 hours of dealing with Chase on the XXXX and XXXX, and the accountholder had not only called and verified the transaction, but also gone into a Chase branch and verified it, and my account was still locked, INCLUDING access to my credit cards. 

On XX/XX/XXXX, I have another 2 hours on the phone, and my account is still locked, with them insisting they can only verify my identity by texting a defunct phone number on my account, and refusing to text the other number already listed on my account. I close the checking account over the phone at this point, because their conditions are ridiculous, their customer service is awful, and I'm pretty irritated at this point and no longer want to bank with them. 

On XX/XX/XXXX, I try to log in to pay my credit cards, and I'm STILL locked out, even after the transaction was verified and I closed my checking account. ANOTHER 2 hours on the phone being transferred to 5 different people, and despite never having done anything wrong, having the transaction verified by the other accountholder both on the phone and in person, and closing the account, I STILL don't have online access to my 4 Chase credit cards, and they refuse to grant this  access unless I go into a physical Chase branch. 

I opened my Chase account in an area with lots of Chase branches, but moved 4 years ago to an area where the closest Chase branch is 200+ miles away. 

So my choices now are close the Chase credit card accounts and ding my credit report with a lot of lost available balance and age of account, or spend literally an entire day trying to travel 200+ miles to fix it, when it's their screw-up, it's been verified on the other end both on phone and in-person, and I've done nothing wrong. 

If that sound like what you want from your bank, I heartily recommend Chase and their products.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/19 my chase freedom account was closed because of XXXX discrimination. Chase broke the Equal Credit Opportunity Act, chase assumed because Im XXXX that Im poor so they closed down my account without a logical reason. Chase assumed because Im XXXX that I am poor. Chase assumed because Im XXXX that I couldnt pay my bill. Chase stated that {$7000.00} is a very large amount of money and it isnt. Chase stated they were closing my account because Im XXXX and I used their credit card. Chase is so XXXX they didnt even give me the opportunity to pay my bill. I have 0 missed payments and Ive never been late on any of my credit cards but chase has customers with credit cards that are late and missed payments but I am penalized for using my card while being XXXX. Chase will lie and say its any other reason besides me being XXXX but Chase is XXXX and Im not the only XXXX XXXX thats was discriminated against by Chase.
Consumer complaint received 2022-08-01
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. (MD)

XXXX XXXX XXXXXXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.
Consumer complaint received 2022-06-29
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. (VA)

I recently submitted a complaint with you about a bankruptcy and how it was being wrongfully reported by the credit bureaus. In response, you sent a letter to me dated XX/XX/22 saying that the information I submitted didn't seem to be me?? I'm confused as to what that means? I happen to have been learning about my rights as a consumer and know about the FCRA and certain laws in it that pertain to my bankruptcy being reported without a proper investigation having been done by any of the 3 bureaus. So I'd like to submit another complaint to follow up about the issue, all 3 bureaus claim to have verified the account as accurate, but clearly have not done or been able to provide a method of verification. The court NEVER reported it to them, so who did they verify it with as having accurate information then?? If you could please treat this new complaint as a serious matter, I and my family would greatly appreciate it as we are trying to put the pieces back together from the last few years. Under 15USC 1681 ( 5 ) ( A ) States If any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall - ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. The bureaus have also violated my rights under 15USC 1681 602 A and 15 USC 1681 604A Sec 2 that state I have the right to privacy and that an account can not be reported without my consent or instructions. Thank you for your help, we greatly appreciate it.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I have requested Equifax to remove the security freeze from my account. I got successful confirmation via PDF receipt and phone. When trying to set up a new gas account, however, I was told that the credit freeze still existed. Previously, when trying to set up my security freeze with Equifax ( when they had the data breach that compromised my information ) they were extremely difficult to work with and it took me several weeks to the put the freeze into effect.
Consumer complaint received 2022-04-25
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. (AZ)

I have contacted XXXX XXXX 4 times and disputed with the bureaus. I have never had a late payment on my XXXX credit card account because I do not use the card. I opened the account to build my credit. I was told that they would correct it and they never did. I need these late payments marked as on time immediately. Although they have aged, they are still holding my credit score behind and I should not suffer at the incompetence of lazy employees of these company.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I opened this account through an invitation on my citi credit card account screen. 
I have a similar relationship with another bank, and had no reason to suspect any problems with citi. 
On XX/XX/XXXX. I started funding it conservatively, and I received an ATM card. My linked XXXX  checking Account was the source of most of the funds. I was also able to cash and deposit my citi credit card rewards. ( see attached ) Things seemed fine, so I continued deposits totaling {$40000.00}. ( no withdrawals ) My last deposit of {$10000.00} was made on Friday XX/XX/XXXX in the morning. That afternoon, my account disappeared from my Citi home screen, where just hours earlier, it had accepted a {$10000.00} deposit. I did not have any withdrawals and the ATM card was never activated. After pressing them, I received the attached email. When I called the number provided to ask questions, I spent hours on hold, and the only reply " Your account is under review, it will be closed in 30-60 days and a check will be mailed to you. I was refused an answer when I asked why it was under review. When I continued to ask questions, I was hung up on. Twice, on separate calls, I requested to speak to a supervisor, ( who was not available ) and told I would receive a call in 24-36 hours, and I should keep the line open. Neither call was returned. 
On XX/XX/XXXX, Citi Customer Service was able to confirm my correct balance in the amount of {$40000.00}. 
Today, XX/XX/XXXX, the first time i called, I was unable to obtain my balance information and again was refused answers to questions. The second time I called, my correct balance of {$40000.00} was confirmed. .I asked for my account number which was not provided. 
I never received the full account number, the ATM number and or my SS # were used to identify my account before refusing to give any information. Last 4 digits are XXXX. 
I believe citi enacted a new policy in their client manual on XX/XX/XXXX to address the mistake they made, Meanwhile, my {$40000.00} is being held hostage, with no explanation.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted XXXX XXXX 4 times and disputed with the bureaus. I have never had a late payment on my XXXX credit card account because I do not use the card. I opened the account to build my credit. I was told that they would correct it and they never did. I need these late payments marked as on time immediately. Although they have aged, they are still holding my credit score behind and I should not suffer at the incompetence of lazy employees of these company.
Consumer complaint received 2021-08-03
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: Georgia Student Finance Authority (GA)

The Georgia Dept of education refuses to get rid of closed accounts that have been paid off & they will not answer the phone. I have 8 closed & paid off accounts that are hurting my credit score.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Consumers Inc (VA)

United Consumers , Inc. at XXXX. XXXX XXXX of XXXX, VA XXXX sent me a medical bill with service dates of XX/XX/XXXX. They are acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HOSPITAL, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX   HOSPITAL, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between each of us ; and on XX/XX/XXXX, I sent a certified STATING THAT ALL PRESUMPTIVE AND TACIT CONTRACTS WERE NULL & VOID AND I DO NOT CONSENT. They committed mail fraud attempting to collect this debt for a year in which I have not received any medical care, since it's only the year XX/XX/XXXX and not XX/XX/XXXX.
Consumer complaint received 2018-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.
Consumer complaint received 2018-09-04
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)

I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

DEMAND FOR REFUND OF UNPAID WELLS FARGO PAPER BILLPAY CHECK NEVER RECEIVED BY PAYEE. 

Submitted bill Pay payment. Recipient never received the paper check that bank says they mailed. Followed up with the bank using their online " Make an Inquiry '' and stated that this payment was never received by the recipient, creating claim # XXXX. Bank records indicate the check never cleared. 

Wells Fargo provided a response that implied they would actually take action to resolve the claim. However, they have done nothing, and only communicated with me when I followed up last week. Their followup was meaningless and suggested they have done all they can do. They did not do what they said they would do in the message. See copy of their XX/XX/XXXX response at the end of this message. 

Wells Fargo Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX # # # XX/XX/XXXX Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX Dear XXXX XXXX : We are writing to update you with the current status of your claim referenced above. We value our relationship with you and are committed to addressing your concerns and making the claim process seamless for you. 

Based on the information provided in your claim, our initial research has determined that we sent this payment as you requested ; however, we want to help you resolve the issue with your payee. 

To help you resolve the issue with your payee we will : 1. Contact XXXX XXXX XXXX 2. Work with XXXX XXXX XXXX to determine what information they need to locate and/or refund your payment - If we need additional information from you, we will contact you via phone/email - If XXXX XXXX XXXX requires your authorization to talk with us, we will attempt to reach you via phone and initiate a conference call with the payee 3.We will send you email ( s ) to inform you on our progress by sending updates to your secure Messages & Alerts inbox at wellsfargo.com and we will notify you when updates are ready for you to view To request copies of documents we used to make our initial determination, please contact us using the methods below, and have your claim number XXXX available. 

If you have questions or need further information about your claim we would be happy to assist you, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. 

Thank you. We appreciate your business. 

Online Claims Wells Fargo
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IA)

I applied for a loan through XXXX XXXX, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the XXXX XXXX officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX