davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX XXXX XXXX This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was Equifax. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was one that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX WA I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These two issues make login to my Equifax account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both XXXX and XXXX. In fact, all 3 agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.
Consumer complaint received 2018-11-07
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. (OH)

I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( 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 Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH 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 XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I have two credit cards with Chase, ending on XXXX and XXXX, and Chase just closed both of my accounts without proper reasons, accusing me in misusing rewards, which I have not used at all. Besides that, Chase listed three other closed accounts which I don't have at all, ending on XXXX, XXXX, XXXX. I have no idea why Chase closed my two accounts ending on XXXX and XXXX, and sent me a letter explaining that they closed three other accounts, ending on XXXX, XXXX, XXXX because of rewards misuse, and you can see from my reward activity, that they were not used at all, at least for the entire XX/XX/2018 year. I'm legally XXXX, and I get very XXXX  when I get harassed with false accusations.
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (MD)

Dear Sir/ Madam, I'm a current member of the Navy Federal Credit Union and recently I had two return check fees of XXXX for two different  amounts. On XX/XX/18 a {$29.00} returned check fee was applied to my checking account for a {$12.00} insufficient funds, but at the time it wasn't save to put any money into the accounts at Navy Federal Credit Union. Because during the weekend of the XX/XX/18 thru XX/XX/18 the bank was having banking issues with the system. On XX/XX/18, I was charged another {$29.00} returned check fee for insufficient funds of {$.00} cents. 

On XX/XX/18 the Navy Federal Credit Union system issues were worse. Members were missing their deposits, aa well as other serious issues, which lead to them turning phone lines off. The phone lines rang out busy signal for maybe like 3 hours or more. When I finally got through a representative I was told that they couldn't remove fees because I've had it done before in the past. 

I would like for someone to help me resolve this matter as well as look into another over charges on my account, such as finance charges on loans. At this point I would just like to make sure that I'm not being over charge on this as well.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, On XX/XX/2018, I made two identical wire transfers of $ CAD XXXX each from my companys bank account in XXXX to my wife and my personal accounts at XXXX and Capital One in the US. The two transfers were made in interval of several minutes. 

To my surprise, the amounts in USD which were received at each bank were entirely different. In XXXX, I received USD XXXX, which was calculated at the currency exchange rate of XXXX XXXX/USD. In Capital One, I have received USD XXXX, as the conversion rate they used was XXXX. So the difference was nearly {$3000.00} for two identical transactions of foreign exchange conversions made at the same time. Please see the attachments showing the two transfers. 

While understandably it is likely to have differences between two banks rates, the difference was substantial. I looked at rates range on XX/XX/XXXX, and could see that the lower rate that day was XXXX. Please see : https : XXXX I have therefore approached my local Capital One bank, who contacted their wire department for further explanation. The answer I was provided is that Capital One set their own rates which are unrelated to the trading day rates! I was very unhappy with this answer, and filed a complaint at Capital One Customer Care. I have explained that when a person makes an international wire transfer, he can reasonably expect to have the funds converted into local currency based on a trading day range ( even if it would be the lowest rate on that day ). However, Capital One used a considerably lower rate to convert my CAD to USD XXXX vs XXXX ( the day lower rate ), which it has determined arbitrarily. 

The response I have received from their Customer Care department was the same as the one I received from the wire department Capital One uses their own rates, and that the rate they used was correct. I responded that doing this intentionally is even worse the bank knowingly overcharges its customers when converting funds from other currencies. 

I therefore believe this is a very unfair and unlawful behavior of a bank to determine their own rates regardless of the days market rates. This behavior resulted in a loss of nearly {$3000.00}. 

I hope you are able to assist. 
XXXX XXXX
Consumer complaint received 2018-11-06
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. (ND)

On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to XXXX and Transunion with my proof of payment on two separate occasions now.
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My Name is XXXX XXXX and I went to XXXX University in XXXX Florida, which i finished back in XX/XX/XXXX. In XX/XX/XXXX XXXX was Shot down do to a lot of Problems and lies with that school. They never helped me as they Promised to find Employment, and they lied to me about the Total amount that my XXXX XXXX XXXX would be for only 2 years. From {$14000.00} and some change that i was told, they started charging me $ XXXX Change. They are Taking all my Taxes and on top of that they are going to take my XXXX XXXX away too. I have a Family to feed, and bills to pay in order for me to have a place to live. My life has been a Struggle do to the Fact that i still haven't been able to find a Job for what i Graduated from and have to live off of Min wage and Part Time Jobs. I can't afford to lose my check too or who will pay my bills and take care of my family. This School has done nothing but made my life XXXX and so has the student Loans, over charging for only a 2 year XXXX XXXX. Now XXXX sent me a Letter from the behalf of my Current Part time Job, that they will take half my check as well. This XXXX University has been nothing but a headache and a Scam and so is Salliemae and Navient Student Loans. I need serious Help because this is affecting my Life and My Family.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (TX)

Ok I have never missed a payment on anything but my credit score drops when I accumulate some cc debt. I always pay my bill and more than the minimum. My dad has the exact same name so I think I have millions of dollars out there but all paid? why would my credit drop
Consumer complaint received 2018-11-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Manley Deas & Kochalski LLC (OH)

In XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XXXX placed forced placed insurance on the property creating a bill for the debtor in XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a 524 injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX, XXXX Dear Mr. XXXX : On behalf of XXXX XXXX XXXX , I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. Sincerely, XXXX XXXX Consumer and Government Affairs XXXX, XXXX XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This account was reported to XXXX XXXX and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. Portfolio Recovery Associates says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by Equifax that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX  and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WorldRemit Corp. (FL)

i sent mobile money transfer via world remit to XXXX under transaction # XXXX to XXXX XXXX in XXXX XXXX mobile number XXXX on XX/XX/2022. I call WorldRemit to ask for a refund as receipt could not collect funds XXXX XXXX. I call a supervisor at world remit and they said they had to retract payment A week later received an email stating they cant assist me as funds have been paid when XXXX never collect funds.
Consumer complaint received 2018-11-07
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. (MD)

I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX, XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (ID)

CHECKSYSTEMS ... ... THEY HAVE ACCOUNTS LISTED THAT MAKE IT HARD TO APPLY AND GET BACK ON TRACK CAUSE OF THE WAY THEY LIST THINGS OR THEY DONT CARE OR THEY ARE RIPPING ME OF MY AVANTAGE OF GETTING BACK ON MY LIFE .. THEY ARE REPORTING ACCOUNTS WRONGFULY AND MAKING MY LIFE HARD I DONT APPRECIATE THE WAY THEY MAKE ME LOOK BAD OR LOOK LIKE I CANT HANDLE LIFE
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P. (TX)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-22
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. (GA)

I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-11-06
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MN)

I am the victim of identify theft, which I reported the theft of my social security number and personal info to the FTC on XX/XX/2021. The thief opened an account at Robinhood. Robinhood is the subject of this complaint. I began notifying Robinhood on XX/XX/2021 -- a week ago -- that a criminal identity thief used my stolen information to create an account on the platform. I've sent emails to various departments at the company over the last seven days. Not once have they responded with substantive information. Meanwhile, a criminal is on the platform using my personal information to make trades. The account is linked to various fraudulent bank accounts. I can not access the account, Robinhood will not shut it down or even respond to me. There is no phone number for Robinhood. I went as far as to create a different Robinhood account to find a customer service number. The person on the phone refused to help, wouldn't let me speak, and hung up on me. I have no idea how else to stop the criminal ID theif from continuing to use the Robinhood platform -- with the company 's consent at this point -- from using the account. Robinhood has an utter disregard for criminal activity on the platform. The company refuses to assist a law-abiding person in protecting her name and identity from criminal misuse. In short, this company is aware of and complicit in criminal activity occurring on the platform.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc. (OH)

Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (PA)

Paypal has open a line of credit, Keep the available credit and displayed a false balance of alaviable credit. Credit line is {$2700.00}. As of this date the available credit is stated as XXXX. Where did the available credit go. I was not given the proper amount of credit, due to I have my mineral rights under the Mines and Minerals Act of 2009. The account email address is XXXX. Please send opening account documents to my email account. The PayPal Credit account number is XXXX-XXXX-XXXX-XXXX. Paypal Credit, did not issue a Card, as requested under the Fair Credit Billing Act.
Consumer complaint received 2021-11-15
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.