davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XXXX XXXX, I downloaded this app called XXXX - lve been trying to look for an apartment to move by myself. 
On XX/XX/XXXX, I received an email from this guy name XXXX XXXX, his email is XXXX he seem to be an agent/broker gave me all the information about the apartment and details about rent and Pictures. We went back and forward discussing the amount of rent I would be paying and fees. 

On XX/XX/XXXX, He send me the application for the apartment and the lease form. It looked so real I actually believed everything he was saying and stating. 

Right after, he send does documents I asked if I could view the apartment in person with going more deeply in the process, he said that he couldnt because some was living and that their lease was ending last week of XXXX. And that as soon as the tenant leaves XXXX show me the unit. 
On that same Date, I completed the application, and signed the lease form. 
After he stated I couldnt see the apartment I had a gut feeling that I was being scammed because most agencies let you see the apartment first. But since he was really nice I ignored does red flags. 

The original rent he was asking was XXXX monthly, I asked if they could do XXXX. He told me he was going to ask management if they can approved it, which later on he said they agreed to the rent. 
After we agreed the monthly rent I had to send him a security deposit so i could be the first in line To get the apartment. He told me I could send it through Zelle or wire transaction. 
Zelle Details : Name : XXXX XXXX Email : XXXX After I send the security deposit, that we agreed on, and once received, he told me management didnt approved my application, because the rent was too low so they wanted a one time payment for XXXX so they could approve it, once this happened I knew I was getting scammed. 

So I asked if he could send me the money back, refund that I was no longer interested in the apartment, he kept giving me excuses that I just proceed with the payment. 

I kept declining, at this point i just wanted back my money. The following day he didnt answer my emails. So I texted him to send me back my refund and he just kept giving me excuses like yeah its being processed youll get it asap youll get it Monday and it was all a lie. 

Its XX/XX/2022. Hes not replying to my messages he blocked my phone number and everything.
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (GA)

Experian have different names SS numbers, emails addresses, different telephone numbers. Stating to loans companies I apply for says that's what on my credit report. Call Experian to correct these issues 2months ago haven't done so They have my credit report mess up. I would like to file a compensation claim against them. How do I go about doing it
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

On XX/XX/2020 we were scammed into transferring {$500.00} from our US Bank savings account to another account via XXXX. Upon realizing we were scammed we called US Bank the next day on XX/XX/2020 to let them know of the scam and reported the case to their fraud investigation team. The person on the phone said they would start an investigation case and would issue a credit of {$500.00} to our account if the case took more than two weeks. The case did take more than two weeks to resolve but no credit was ever issued to our account. We called them again multiple times and were given different answers by the Bank. One time we called and they claimed our case was resolved and that we could not get our {$500.00} back because we transferred the money through XXXX and XXXX does not have a fraud protection program unless we do a police report to catch the scammer and make them pay us back our money. After being told this we called US Bank again to try and get information on the scammers Bank, but then they told us that our case was still pending and not yet closed and contradicted the previous call. We are very confused with how our case was being handled. They then told us that XXXX scams were very common because scammers know it is almost impossible to get your money back if you are scammed through XXXX. We saw that XXXX is officially backed by US Bank and that gave us a sense of comfort that the transaction would be protected by our Bank, when in reality it is not. If the bank knew that XXXX scams were very common and that XXXX does not do much to help secure transactions from fraud then why promote XXXX without a disclaimer? We feel US Bank failed to protect us or warn / notify us of the XXXX service that they promote and back, and were scammed out of {$500.00}.
Consumer complaint received 2020-05-05
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: Lending Club Corp (NJ)

I contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.
Consumer complaint received 2020-07-06
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (CA)

Honda financial offered a two month Payments deferral towards the end of the life of the auto loan. Now my balance for sample was XXXX after the two months my new balance was XXXX so it went up because they added interest charge on my account for the last two months. So instead of starting making payments on XXXX where I left now I have to start making payments on a higher amount on top of being changed interest for the last two months. So is Honda financial helping customers due to COVID 19 or XXXX  up the customers?
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid by electronic from Bank of America with my checking account has enough fund to cover to my friend VISA credit card, when I made a payment by electronic from my checking account to my friend VISA of Bank of America. Bank Of America accepted it without problem from electronic, it last payment for amount {$10.00} inXX/XX/2020 and plus fee charged next billing in XX/XX/2020. Bank of America returned the fund {$10.00} to my checking account and fee charged my friend VISA credit card for {$25.00} for non payment.It totaled {$35.00} in XX/XX/2020. I wrote to them a letter to please them waive the fee charged with good cause, but they keep quite until now. I feel bad and close my checking account and I must pay the fee charged in XX/XX/2020 to cover for my friend {$25.00} My checking account number is XXXX ( XXXX XXXX XXXX ) Bank of America My friend VISA credit card number is XXXX ( XXXX XXXX XXXXXXXX  ) Bank of America They want to use the weapon in Pandermic CoVicd-19 to avoid and steal money from customer. It is so easy to get money without customer fault. Just charge and keep quite no reply or answer with bad attitude. Thank you so much.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX  monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account. 

5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX  money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX  monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (NY)

XXXX and Equifax have not deleted and removed : XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX  ) From my account. It's been over 60 days. 
I have supplied court ordered documentation to remove discover card and synchrony bank from my report. Proven fraud and acknowledged by NY Court System and XXXX XXXX  ( documents attached ) ****XXXX  is the only one that has compiled. 

Can you please help? After 30day and with proof of fraud with a court ordered document to remove. XXXX and Equifax continue to ignore my numerous ( in writing, online and phone ) requests for deletion.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (NJ)

We have tried to have the bank process a modification application for us, for over a year now! We have sent several applications, the last pa jags was sent off in XX/XX/2020. Since we sent off the modification application, we have not heard from the back, neither by letter nor phone calls. We have been calling at least Ive every week in the past month, and everytime we call, the automated system asked us to hold and that we will be answered in less than one minute. However the wait had been from 1-2 hrs and each time we have to hang up because no one answers the phone. So we do not know what is going on, nor the status of the modification application.
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-09-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking USDOE/XXXX  to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

USDOE/XXXX  # XXXX opened XX/XX/2010 balance {$0.00} PREVIOUSLY DISPUTED DUE TO TRANSFER. PLEASE REMOVE AS IT IS NEGATIVELY IMPACTING MY REPORT. THERE ARE TWO USDOE/XXXX  ACCOUNTS WHEN THERE SHOULD ONLY BE THE CURRENT ACCOUNT. PLEASE REMOVE ACCOUNT
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

In XX/XX/2018 I had applied for an apartment in XXXX, Virginia. At application time I had paid an application fee and security deposit to hold the price that I was quoted that day. I was advised on move in day I would sign my new lease, pay my first months rent, and get the keys. The day I was supposed to sign my lease and move in I called the apartment complex and told them I was no longer interested due to my new commute to work.That is when I was told that I would still be responsible for rent AND I would have to pay monthly for the unit until they were able to find someone else to rent it. I didn't even have a unit number so how am I to know when or if it is occupied. I never signed a lease, I have no contract with them. The application is just that an APPLICATION. About 6 months later I seen that they had put this account on to my credit report as a collection account and Hunter Warfield is the creditor attempting to collect these funds. I have since requested account validations via disputes and nothing has come of it. I have not been shown the proof that I have requested asking how they think i owed them this ridiculous amount of money. I am sure they are ignoring my requests because there is no proof. There is no lease. I would like Hunter Warfield to remove this account from all of my credit files.
Consumer complaint received 2020-05-05
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried to dispute these inaccurate addresses with EXPERIAN and they say they wont remove it, some of the address aren't even houses. They continue to report inaccurate information on my account and wasting my time.
Consumer complaint received 2021-06-03
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

During my conversation with XXXX XXXX a loan officer I was told that the money for a home appraisal would be refunded into my bank account if the home was appraised for the value I had stated during initial workup. A second call to Wells Fargo a week after the appraisal occurred I had not received a refund I heard upon this call that it wouldn't be refunded rather applied to my loan?! This was not what was discussed so another week later I called again and was told this time that no refund would be occurring at this point I was transferred to consumer loss prevention or some such department where I received the run around for several more months. Finally after two weeks of me calling several agents repeatedly I hear that from the calls they were " able to trace '' they would not be refunding me and that based on something that I had signed I should have been aware. While I can't dispute potentially overlooking something in the paper work I can without a doubt say this was not the conversation I had on the phone and the lack of ethics this company has shown is shameful. I would like to know what my options as a consumer are to prevent others from experiencing the same scam I have and if there is any hope of recovering my losses ( highly doubt ). Even when I talked to XXXX the executive it makes no sense why I would provide the fee upfront if there was any chance of a rapid appraisal? I feel like I was taken advantage of.
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. 


1. The following personal information is incorrect
Consumer complaint received 2020-05-05
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: Navient Solutions, LLC. (CA)

I have 12 student loans that are over 7 -10 years old with Navient. While starting my XXXX  career, It was recomended everytime I called about default concerns that I put them in forbearnce, which I complied with. About 3 years ago, I decided to accept an offer by XXXX to consolidate the loans, and I entered the income driven repayment plan and applied for the PSFL program, because I XXXX in a XXXX XXXX XXXX XXXX XXXX that qualifies for the 120 payment loan forgiveness program. I have made over 30 payments by autopay, and on my credit reports it indicates an excellent payment history for the past 3 years. When I consolidated and entered the program, I was told this would help my credit rating and it has not. The problem is that Navient still has the twelve loans that are 7-10 years old on my credit reports and they show paid with a XXXX   balance. Last year, I contacted Navient and requested that they remove the loans from my report since I consolidated, they are paid in full, and I have a good payment history with the income driven repayments for the past 3 years. They denied my request, and now all twelve loans indicate 1 payment 90 days late in 2016 and it is hurting my score. The late payments didn't show up until I requested that they remove the loans from my report. I couldn't have made a late payment, because I never made a sigle payment during all the years of forbearance and everytime I called, they thanked me and said " I showed a current forbearance status. '' Is Navient exempt from reporting loans that are over 7 years old?  My complaint is that I am working hard to pay on time for three years now, and Navient does not seem willing to help with my situation.