davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WI)

XX/XX/2022 - federal student loan remains on pause, however according to my Aidvantage account I owe on all my loans as of today. Attempting to access email or online help is futile as it only asks you to log into account- which I already was - only to get stuck in a loop of logging in, No help, logging back in. 

If I have to pay I will because I dont want the incompetent practices going on already jeopardize 10 years of flawless on time payments through XXXX  - this is a disaster.
Consumer complaint received 2020-12-21
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. (MI)

I requested in writing through certified mail for Transunion to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX and # XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like Transunion and they said NO they dont. I have this letter attached as proof of Transunion violation and failure to accurately and completely verfy this record with the original furnisher which is the bankruptcy court they have listed on my file. 
They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. I also reached out to XXXX and they have deleted these records off my file in which I have attached proof of it.
Consumer complaint received 2022-07-19
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. (TX)

I went in to the branch office in XXXX Tx on the XX/XX/XXXX after finding out that my debit card was suspended and I could not log into my online bank account due to being locked out. The XXXX was about to look up my account and show me that there was multiple unauthorized transactions that were made on XX/XX/XXXX, XXXX, and XXXX. These transactions were made in New York in multiple cities while I was at work. The XXXX reached out the claims and fraud department to notify them about the suspicious activities. They stated that they would credit me the money temporarily until the investigation was done. I called a week later to find out where they were in the investigation because they took back the money out of my account that they had temporarily put in my account. They said they closed my claim case due to no proof that I was not the one who made the transactions. I went in the next day after the phone call and spoke with a representative at the branch office. They got on the phone with claims to see what the problem was. The claims department continued to discuss how there was lack of proof. I came back the next day to the branch office to show them proof that I was at work on XX/XX/XXXX, XXXX, and XXXX so they can fax it to the claims department. After a week of faxing the proof to the claims department they stated that they did not receive anything in the fax. And they are now stating they sent me a XXXX time code to my phone number and since it was sent that I am responsible for the unauthorized transactions. I explained that my phone service was hacked on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which XXXX was able to verify that I had no access to my phone number on those days. The bank continues to argue with me and give me the run around. I made a police report on XX/XX/XXXX but due to the activities happening in a different state the assigned detective to my case had to forward my case to the correct jurisdiction and has made it very complicated to get more information on the case. I lost a total of {$15000.00} I only received back {$46.00}. I was noticing that someone was trying to reset my password to my online back account prior to this happening I notified the bank XXXX but they just advised me to change my password
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

on XX/XX/XXXX I filed a dispute with cash app for unrecognized charge of {$52.00} a purchase from XXXX XXXX XXXX cash app gave me a provisional credit of {$52.00}. on XX/XX/XXXX cash app reversed the provisional credit without any prior notice therefore making my account negative. ( Section 205.11 ( d ) ( 2 ) ) " Upon debiting a provisionally credited amount, the financial institution shall notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. The financial institution need honor only items that it would have paid if the provisionally credited funds had not been debited '' cash app is not in compliance,
Consumer complaint received 2021-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (NY)

I took a student loan but, I was overcharged I always was charged late interest eventhouh I paid on time electronically. The loan was split just to overcharge more interest and the bill statement was never send on time but late, but sometimes the bill loan was never send at all. I was charged over three times the price of the loan I borrowed {$9000.00} dollars but I paid almost {$20000.00} I paid the loan very early in advance. 
I was told that if I paid the loan on advance and in full I will have a 25 % discount but the never happened Wells Fargo bank intentionally is always defrauding students and people I want Wells Fargo Bank to be penalized for fraud and abuse of power.
Consumer complaint received 2022-09-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. XXXX5 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 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$380.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

I am on hold with BMO Harris trying to take care of Id theft. Yet again call already over 20 min everything with this bank is harder and slower than need be absolutely all the time NOT 2 min ago they froze my money market for no reason while I filled this out
Consumer complaint received 2020-12-21
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. (PA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, TRANSUNION AND XXXX XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and another personal credit card opened as XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/2020 {$2500.00} and {$120.00} Were taken from my account I just notice this transactions went to the bank to get some information about this Legal order fees, I had nothing pending or any court case open, I just asked for any court document or sentence they have to made this payment release and they showed nothing to me and I was never contact about this situation before?
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (WI)

In XXXX of 2020 I contacted Pentagon Federal Credit Union ( PenFed ) regarding a mortgage loan for a second home. I spoke with XXXX XXXX and I was completely honest about all of my financial information. After all of the financial information was figured out, I was told that I was pre approved for a loan of $ XXXX. Due to the fact that I had been pre approved, I started the process of purchasing a home. Once the home purchase went under contract, I sent the contract to XXXX. PenFed was very sporadic with communication, but at no time during the process did they indicate that there was a problem with the loan. In XXXX PenFed contacted me to set up and pay for an appraisal on the home. I paid that and the appraisal was done on XX/XX/XXXX. Again, no mention of any issues with the loan. The closing for the purchase of the home was scheduled for XX/XX/XXXX. The week prior to closing I started getting emails from the title company saying that PenFed hadnt sent any documentation and refused to reply to any of their inquiries. I contacted XXXX and he referred me to XXXX XXXX. XXXX was difficult to get a hold of and didnt seem to want to respond to me either, but when I did get a hold of him he was very elusive and had a hard time answering some of the questions I had. Two business days before the closing, the title company contacted me again and said they still had not heard from anyone at PenFed. I tried desperately to get into contact with someone at PenFed. I emailed and left phone messages with XXXX, his supervisor XXXX XXXX and her supervisor XXXX XXXX. I got no response at all. On the Sunday before the closing I did get a confusing email from XXXX, which did not mention any problem with our debt ratio, but confirmed that we needed to bring $ XXXX to the closing. The day before the closing I tried to contact all of these people again and again I got no response. Finally around XXXX XXXX  the day of the closing I was able to get a hold of XXXX by phone and she basically told me that we were not going to be able to close, but that the loan was scheduled to close on XX/XX/XXXX. With this information I was able to request an extension from the seller and move the closing date to XX/XX/XXXX. On XX/XX/XXXX, four days before the scheduled closing, I got a call from XXXX saying that our debt ratio was too high and she didnt know if we were going to be able to get the loan approved. I stand to lose over $ XXXX and the house that I am trying to purchase not to mention the time, effort and stress this whole situation has caused me and my family. PenFed obviously knew from day one that they werent going to be able to approve this loan, but they lied and misled me for six months. The lack of professionalism and absolute disregard for honesty and decency that everyone at PenFed has shown here is disturbing and disgraceful. Its no wonder people dont trust any American institutions.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

Hi, I have a finance background and am concerned with some behavior I have witnessed from Fidelity in the last few months. 

Fidelity has a partnership with Elan financial to offer credit card and balance rollovers. I replied to a teaser of 18 months with 0 % APR. The balance rollover didn't go through ( they claimed for some unknown reasons ) and I tried to call multiple times to fix it. It took many hours to get them on the phone. Even just to activate the card took hours collectively to fix the issue ( I gave up 30 minutes on hold several occassions since they provided no information about wait times or my place in line ). This is a deceptively low level of service only revealed to customers after they open the line of credit, and I think they just wanted to have me open the account without fulfilling their promoted offer and end of the deal. Further, they used my Fidelity investment account information to make the offer to me, so I tried calling that branch and they said that they can't help me at all and it's all Elan. I told them about the impossible hold times and they didn't care. I find this behavior borderline bait and switch and believe this could harm some consumers. 

Today, I was able to make progress on this issue, but it collectively has taken many hours of my time and seems borderline. Only because of my persistence and understanding was I able to navigate this. Note that I am not worried about their holding up their end of the deal for me, as much as I am worried about other customers. 
I am persistent and have wasted much time fixing this, but I doubt this will be true of their other customers. If the barrier is systematic this strikes me as a problem. ( I acknowledge I could have gotten incredibly unlucky in my interaction with them ).

However, their online reviews seem to suggest they have a history of this. For example : XXXX XXXX XXXXXXXX Thank you, XXXX XXXX
Consumer complaint received 2020-12-21
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. (MI)

I requested in writing through certified mail for Equifax to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail ( report # XXXX ) stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party vendor named XXXX. They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. XXXX has also deleted this record off my file and I have confirmation from XXXX  attached showing the deletion. I also reached out to XXXX and they have deleted this record off my file in which I have attached proof of it. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like EQUIFAX and they said NO they dont. I have this letter attached as proof of equifax violation and failure to accurately and completely verfy this record with the original furnisher the bankruptcy court they have listed on my file.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2019-08-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I was told over the phone by a customer service representative that since I was still in school that my deferment/forbearance was delayed an additional 6 months. I then received 3 consecutive months of delinquent account records ( XX/XX/XXXX-XX/XX/XXXX ) on my credit score from 4 different accounts from the student loan lender Dept Of Ed/navient. I have attempted to contact them about the situation and they disregarded my concern in XXXX/XXXX. I then attempted to file a dispute through the credit bureaus in XX/XX/XXXX. 

The student loan company Navient is known to do this for countless of its customers. The customer service reps are not professional and will tell you they did something for you when they did not. I am asking that this get removed from my score since it is effecting my ability to find a place to live while I am still a student. 

I will make payments once I am out of college immediately. I ask that they remove these records as it is their mistake and completely unfair since I received the wrong information over the phone.
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

Good morning, I am writing because I received a letter from you about a payment of {$35.00} which I am not sure I have not paid and in which it refers to a laboratory service, since these services are ordered to be performed by my primary physician and in general, the co-payment is always canceled at the time of taking the exams. I have no information about this since they changed my lab for these tests. Perhaps I did not receive the collection receipt since I was away from home for a while and they could have thrown it in the trash. Actually, I do not know. but I do know that I have made all my payments. I think I missed this one ... and I really don't have any billing notification from XXXX XXXX and I don't really know why these tests wouldn't charge me at the moment. 

I await a response on this inconvenience to give it a quick solution