davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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. (IL)

Today ( XX/XX/2021 ) I was checking out at XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I was offered the XXXX XXXX rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the XXXX XXXX rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the XXXX XXXX rewards card is a similar product to the XXXX XXXX, which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the XXXX XXXX rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The XXXX XXXX Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at XXXX XXXX. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for XXXX XXXX. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the XXXXXXXX XXXX XXXX XXXX hard inquiry removed from my credit report, if that means closing the account, so be it.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have two loans with Navient, consolidated. I am trying to pay off the smaller loan first. The last two payments I have allocated my payment to pay the minimum on loan 2 and do an overpayment on loan 1. However, 24 hours later I will go on the website and the account summary does not reflect my allocation. 

This first happen on XX/XX/19 and again on XX/XX/19. I have to call them and have them manually adjust it.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

I received a loan through Mountain Summit Financial on XX/XX/XXXX. I had paid 5 payments in the amount of {$300.00} each. I was qualified for an increase to {$2100.00} on XX/XX/XXXX. I made one payment to date of {$320.00}. I was informed by my attorney that these installment loans are illegal in the state of California and he successfully was able to get me a full refund of the amount of interest I had paid over the course of the loan. 

With this loan the remaining principle balance is {$250.00}. However, a recent loan before this was paid over the amount loaned to me on XX/XX/XXXX for {$1200.00}. The total payment made to this loan initialized on XX/XX/XXXX was {$2400.00}. An over payment on the principle was made, therefore {$1200.00} should be returned to me. To offset the amount owed ... {$1000.00} should be returned to me.
Consumer complaint received 2019-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On multiple occasions between the end of XX/XX/XXXX to XX/XX/XXXX I made contact with Navient in regards to my private loan payment that was back into repayment. 

I spoke with a representative at length and explained that I was not in a position to afford a {$290.00} payment due to financial hardships-divorce single mom etc. The customer service representative went ahead and specifically communicated that she was going to place my loan into deferment for 1 year. I agreed to the terms and politely thanked the representative. About 2 weeks later my co-signer called me in regards to harassing phone calls happening multiple times a day in the mornings at about XXXX straight through the evening until XXXX. These calls state that I am past due on my payment etc. 

I explained to my co-signer that I spoke to someone and was able to place a deferment/forbearance on the account. I then called Navient again spoke to another customer service representative and explained how the week prior ( end of XX/XX/XXXX possibly first week in XX/XX/XXXX ) and the agreement that was made. 

The young woman reviewed my file and quickly apologized and stated, " I am so sorry but that person was not permitted to provide that information or that agreement to you. '' I was immediately irritated and asked what do you mean. She said they didn't know what they were doing and that this was not something they could provide me for my private loan. 

I then was placed on several holds where she informed me that there was nothing they could do to help my financial situation and when I stated then I was going to unfortunately default on my loan unless they can get my payment down to about {$150.00} a month. She then placed me on another hold and came back and said, " ok what I am going to do is set you up on a payment for 6 months of {$150.00}. '' I quickly responded that I could make that payment and set up an automatic recurring payment for the next 6 months. 

On XX/XX/XXXX that payment successfully cleared my bank account. Today,XX/XX/XXXX my co-signer contacted me saying that Navient has been calling him about me not making my {$290.00} payment. I then called Navient again and asked to speak to a rep. in private loans. Upon speaking with them she stated that my new plan of {$150.00} was denied. When I asked how it was denied because they already took my payment she placed me on a hold to speak to her manager. She then came back and told me that they would get everything corrected and I would be placed back on my interest bearing forbearance to only make the {$150.00} payments.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Prior to annual Southwest Chase Card renewal ( XXXX ) I called Chase Bank to see if waiving the annual fee was an option. I was told by Chase representative that they would rebate the {$69.00} fee within 3 billing cycles. After waiting 3 months I realized that Chase had not lived up to their promise. When I called Chase ... they claimed there was no " memo '' in my account that documented this promise and they would not rebate the card fee. I argued that I could have simply canceled the card since the Southwest benefits are not really useful at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

American Express reference number XXXX merchant name : XXXX XXXX transaction date : XXXX amount : {$1600.00} I called amex immediately when I saw this because question, almost two months after the alleged transaction instead of sending the bs that they sent as proof, mind you, This alleged purschase, neither I nor anyone in my house hold authorized it. Secondly, do you think that someone at american express could of looked at this and go, hey you know since XXXX XXXX didn't swipe my credit card, no signature at purchase a great way to prove to me that someone in this house ordered this XXXX XXXX  would be whatever chosen shipper tracking numbers and signature upon delivery but were ' now in XXXX two months later transaction date XXXX acct ending XXXX so ok if we ordered this item isn't amex responsible to make sure we get what we ordered? two months guys and let me quote this letter " we have now received support of the charge and a copy of the supporting is attached. i will attach to this what amex sent me but XXXX say copies from XXXX no XXXX XXXX  header says merchant letter can you imagine in our country mistake not we didn't order nothing for XXXX and not from XXXX and aBOUT THREE WEEKS AGO I CONTACTED AMEX FOR A DISPUTE, and if you look at last logistics updated time " null '' - so if you were amex wouldn't you tell XXXX, look, their claiming that they didn't order it well contact them but what if i get something and refuse delivery whose paying for shipping? not to mention you take something off someones bill to dispute and then you put it back on that they got proof it was ordered wouldn't amex look foolish if umm wheres the product? two months later they got proof it was ordered but delivery who knows when ... so hypothetically we made a mistake and ordered ti since it was not even sent yet if you were amex wouldn't you tell XXXX try to contact the sender and cancel no tries to make me pay XXXX for something i didn't order.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (IL)

My complaint is against LOANCARE-A Servicelink Company. My first complaint involves their failure to refund an overpayment to my escrow balance in the amount of {$2200.00}. 
Legally, they are supposed to issue a refund check to me. I have been waiting for the refund since XX/XX/2020. 

My second complaint is their refusal to provide a payoff amount as I am refinancing my mortgage with another company. LOANCARE has refused to respond to requests from my new lender. When I called to make a payoff request the automatic voice system states that I will be on hold for as much as 30 minutes. Each time I call, I am on hold in excess of 15 minutes and then they end the call. I have also tried to get the payoff amount through their automatic system. It is rigged to say that my entries were in error, tells me to contact customer service and then abruptly ends the call. 

My closing date on the new loan has been postponed due to lack of response from LOANCARE.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NY)

Let 's go over the reasons Clover in our legal opinion is shady, bizarre and a terrible credit card merchant service : ( 1 ) if and when you receive a " Dispute '' and try to login to their server to respond, you will be told by their system to " enable cookies '' even when your cookies are " enabled '' in my case using XXXX XXXX  which 99 % of humanity uses, otherwise they " can't help you '' and keep you on hold for 30 minutes or more, transferring you all over the place to different clueless, non-technical people who don't speak English as a first language each of them making you " verify '' yourself through painful, multi-tier questions/answers more akin to XXXX XXXX than a credit card merchant service; ( 2 ) these people keep telling you to switch to a different browser " XXXX XXXX '' which is truly bizarre ( and definitely sounds immoral/illegal ) to force their customers to download/switch to a different browser in order to keep our duly earned money ; ( 3 ) when you search for their address online it is virtually impossible - the address we have provided herein the XXXX  complaint is a guessing game, at that. 

Please urgently investigate and advise.
Consumer complaint received 2021-10-14
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: CAINE & WEINER COMPANY, INC. (CA)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Century First Credit Solutions (NY)

Hello CFPB team. 

I was paying for more than 1 year around {$400.00} month to mouth for credit solution the company name is Century First Credit Solutions Inc of XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX New York XXXX .Tel XXXX, They never answer the phone, they never did any solutions, I have a copy of the emails sending, asking my situation. If you see the real bad reviews of XXXX can verify that its true by the amount of complaints and claims of scammed customers. I appreciate all your help.
Consumer complaint received 2020-12-02
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXenclosed 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. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATIONXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-01-07
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: OneMain Finance Corporation (CA)

I have a an inquiry listed on my credit report that I didn't authorize from One Main Financial. One Main services are misleading. The website states you can check a rate without impact to your credit report which is clearly misleading. I never authorize one-main to run my credit dated on XXXX. Unfortunately the ran my credit without my permission.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-12-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (WA)

See Federal Court Action, U.S. Dist. Court, Western District of Washington, Booren v, MB Law Group et. al. No.3:20-cv-06163 RJB ( complaint attached ). 

Fay Servicing LLC violated the Consent Order File No. XXXX. 

We demand you take immediate action to enforce the order. 

We also demand you take immediate action against the other defendants. 


XXXX XXXX
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am being called by XXXX XXXX XXXX XXXX about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by Capital One Bank ( USA ), N.A. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 Capital One credit cards that I have never had any issues with.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAVALRY INVESTMENTS, LLC (GA)

I called the creditor who purchased the loan. Due to me being old and not being able to see well and not knowing exactly who they are I tried to make a 3-way call with my granddaughter. I was given a number to the attorney 's office that was given the file. They refused to talk with me because my granddaughter was on the line after I gave them authorization for them to be able to communicate with my granddaughter who was attempting to pay the debt off for me. They refused to transfer me over to a supervisor and refused to give me a fax number to send authorization in via fax. I'm a senior citizen with health issues and this has added alot of stress and this isn't good for me. This unresolved issue is adding for stress to me and I live alone. And I'm on fixed income.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

On XX/XX/2020, Chime bank placed a hold on my account and ended up closing the account that day citing section 9 of their service agreement. 

My account has XXXX $ i recieved from the New York State Department of Labor for my unemployment benefits i was eligible for after being affected by the Covid 19 pandemic. I was in communication for a couple of weeks until Chime just stopped answering my emails. 

I emailed them again to start a new chain of emails with their " support '' on XX/XX/2020 because they never responded to the original one. They responded promptly asking for documentation so that i may be able to access the funds they have been holding XXXX for over a month at that time. 

The documentation they asked for was primary form of government identification which i provided in form of my NY state Drivers License, images of the front and back, a secondary identification of which i asked for an approved list of documents. A bank statement was on the approved list of which i provided a copy of a pdf bank statement within a months date of the email. " Proof of the loads '' onto my chime account, which i provided a pdf copy of my payment history from unemployment NY state Department of Labor and an " explanation, '' which i explained i was an out of work XXXX XXXX US citizen that was eligible for Covid 19 pandemic relief. 

Once i provided all said documentation they just have refused to answer any of my emails. Any phone calls i have made in an attempt to speak with a service representative has failed. My phone number is obviously flagged because i recieve an automated message to email support, which never email back and any calls made from different numbers are asked to provide information for the account in question which leads to them telling me to email support again.
Consumer complaint received 2022-06-30
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. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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