davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
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: DISCOVER BANK (NY)

Hi. Good morning. a few months ago I bought 2 recliners from an XXXX 3rd party seller. everything was good but there was a problem with the recliners handle ( broken ) within 7 days so I requested for return and recliners company offer me a partial refund of XXXX dollars but I didn't agree with this then after a few days later they sent me to return label and I returned the items within 3 days then 2 0r 3 days later I was just checking the tracking Numer I don't see any updates, even it was showing nothing then I discovered the company sent me a fake label. first, the item weight was completely wrong, and then how many items. I informed my discovery card company regarding this issue and also XXXX to XXXX XXXX but XXXX sent me an email that they can't issue a refund to me because I already disputed with my bank so I had to wait until the finished investigation, the result came on the seller favor. I called the card company to how it could be like this. I sent all documents now you guys are protecting a fraud seller. they asked me do you have any proof that you returned, I said yeah I have a tracking number which was fake, and other than I don't have any option to prove I returned items and XXXX came and took the items.. anyway, they ( XXXX  ) revised the credit from my XXXX credit card. I have attached the fake label and conversations between us. I need your help. thank you so much and stay safe and healthy
Consumer complaint received 2022-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (NE)

I have tried numerous times to tell my loan servicer the Oklahoma Student Loan Authority ( OSLA ) that my principal balance is reflecting more than what it should be. A total of {$9500.00} was disbursed for both Subsidized and Unsubsidized loans for the following quarters : Fall  XXXX, Winter XXXX, Spring XXXX, and Summer XXXX. I have paid a total of {$7100.00} to this company and have given a list of the amounts as well as dates each transaction was made. The company will also be able to see each of the payments I reference were made from my online account with them. Additionally, I have paid the Unsubsidized loans off prior to them reaching 120 days, which means no interest will have accrued on my loans. Therefore, my principal balance should reflect {$2300.00}. However, the company is continuing to claim that I owe a total of {$3000.00}.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TN)

chase bank closed my account and return on check on XX/XX/2020 which caused y XXXX XXXX  account to be closed and caused my credit score to drop significantly the check was returned because for what reason i dont know but the funds where avaiable and didnt explain why the check was returned when funds where in the account
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I lost my second income during the pandemic and my spouse left me. This caused a drastic change in my finances. I called and was placed on a forbearance plan sometime early last year. Of note, there was no mention that when I did a forbearance all of the missed payments would come due at once. I had no idea. This is on me, but it would have been nice for the loan servicer to be proactive in stating that. Also, of note whenever you speak to loss mitigation you are transferred to a new department and the workers never understand what I need or how to help me, even though the previous department understood clearly. 

When my forbearance ended and I realized I had to pay the full amount I applied to have my payments moved to the end in a balloon payment. No other options were presented to me and I didn't know to ask for anything else. This was " approved '', but has been ongoing for 9 months. I was told to resume making my monthly payments or have late charges assessed multiple times, including on XX/XX/2021. Other times you are told you are in forbearance and will not have late fees or negative credit impacts by missing the payment date by a few days. For instance, I had to spend all day trying to find {$200.00} to make todays payment ( XX/XX/2021 ) as I was told I would have a late fee of XXXX and be reported to the credit bureau at the end of the month. I also spoke to one customer service representative who told me I did not have any other remedies as I had already accept the first loan modification. Again, this was not explained to me. I knew I was asking for a balloon payment, but I did not know that I was barring myself from other assistance. When I called today, like often occurs, I am told completely different stories. What obligation do these companies have to provide accurate information when the only access you have to the companies are through their own hired representatives. Today I was told I could ask for loan modification for interest rates, payment amounts, loan lengths, etc. even though yesterday I was told that was not an option. I am transferred again to loss mitigation who tells me I can't do anything because my loan is not current. I have now made 5 monthly payments in 2021. Why is my loan not current? The only reason it is not current is the company " has to process it on their end. '' I would love for it to be current so I could move forward with payment and exploring other remedies, but they have held me XXXX in this limbo for months. 

Now my payment has gone up {$500.00} a month due to my escrow account. I need to work on interest rates, loan terms, etc. but I can not. If I can not pay the loan hardly as it is, it's wild to think they can increase payments by 17 % and that I could pay that.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Called by XXXX, told I owed XXXX {$700.00} to XXXX XXXX ( I do not use this energy provider ). Address provided was incorrect. They advised me that someone was likely using my identify and to file a police report, but they also asked for last XXXX of my SSN and mailing address to send physical bill which I gave them. I have since blocked their number. 

Upon looking this up, others with similar experiences have said the company is XXXX XXXX and that it might be a scam.
Consumer complaint received 2022-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

onXXXX i sent letters to XXXX, transunion and XXXX disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX, transunion and XXXX post on a credit report. Otherwise anyone paying for XXXX, transunion and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report these account listed below on my consumer report. 
XXXX, transunion and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX, transunion and XXXX  must delete The following accounts and incorrect billing errors on my reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (DE)

I mailed XXXX letters to the company informing them that this account was never mines. I was A college student during that period of life and never held an account with any phone company. My Parent paid my phone bill during the Time period. The debt is also well over the statute of limitations. 
I was too young to hold this account.
Consumer complaint received 2021-11-21
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)

XX/XX/2021 I SENT A LETTER TO XXXX XXXX ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO EQUIFAX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER XXXX THEY STILL HAVEN'T UPDATED THE REPORT. EQUIFAX SAID IT CAME BACK VERIFIED. HOWEVER XXXX XXXX SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I opened a Venmo account on XX/XX/2021. On XX/XX/XXXX I transferred {$8300.00} into my Venmo account. On XX/XX/XXXX I initiated a 2-3 business day bank transfer ( Transfer Transaction ID : XXXX ) for {$2800.00} to my bank account ( XXXX XXXX XXXX XXXX ). The {$2800.00} is still not deposited into my bank account, not is it showing in Venmo. Also on XX/XX/XXXX I received an email saying my account had been frozen. It asked me to provide my ID to reactive my account. On XX/XX/XXXX I received a reply from XXXX telling me that my account has been permanently deactivated for violating the user agreement. I asked what I had done to violate the agreement to which he replied " We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems.. ..I apologize that we're no longer able to assist you. '' Also I sent {$3000.00} to my roomate, his account is also frozen. Please help!! I need my money ASAP! Thank you!!!
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV INC. (IL)

I placed XXXX small orders on XXXX months ago and they did not clear my bank instead of reaching out to me they sent them directly to TRS to try to gouge me for even more money!!!!! I found this out because TRS started harassing me!!! I am a twice widowed mother and XXXX worker but off on unpaid XXXX due to serve health issues and have not been paid in XXXX months, XXXX!!! I have gone through all of my savings to pay my bills, have no credit cards, and can not get a loan because my XXXX XXXX is too low. Then XXXX XXXX who I have purchased from at XXXX for years starts using these crooks to gouge people who are already suffering for triple the original amount they could not pay!!!!! So, I emailed him at his email address XXXX and told him what I thought about all, and he replied stating he would contact TRS Recovery Services to stop contacting me!!!! I thought all was taken care of, this was over months ago, then today I received these notices from TRS Recovery Services harassing me once again with their exorbitant usuary fees!! I am NOT paying them EVER and have already told them to CEASE and DESIST, yet they continue to contact and harass me, they are breaking the FDCPA laws!!!!! Make them STOP and enforce the law and fines on them!!!! I am also going to file a complaint with the IL Attorney General against them too!!!!
Consumer complaint received 2022-01-20
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)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-09-14
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: MARINER FINANCE, LLC (AZ)

I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an XXXX score of XXXX, which I have never had and I kindly said you must have a mistake. I called XXXX 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by XXXX employee my score was not XXXX that there is no way they would show that if they were simply using the information provided by XXXX XXXX The store assured me they dont use any scorring models of their own, simply XXXX information. XXXX told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost XXXX and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
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. (NY)

XXXX owed my boyfriend money for a purchase. He called customer service to get it resolved and they made him download an app to prove his identity to send the funds. He spoke with multiple managers to confirm this direction. It didnt work so he asked me to help. They reassured me it would just be a hold on the account and they wouldnt actually take my money. I knew in my gut it was weird and wrong, but my boyfriend was pressuring me to help because he wanted to get the money back he was owed. I sent them {XXXX} via XXXX and of course it went through, but they were unable to return the money to me. They kept asking me to download another cash app or share my credit card info and by now I knew it was a scam so I refused. Chase has a policy against refunding incorrect XXXX  payments. I understand this policy, but Id think if youre victim to a scam theyd be able to assist. Unfortunately, that is not the case.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX