davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (CA)

I have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted XXXX on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a XXXX time charge of {$35.00} for 6 months. I agreed and provided my XXXX credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The SXM phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed XXXX time charge! But XXXX radio fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX radio fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the XXXX Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted XXXX on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in XXXX XXXX. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called XXXX to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by XXXX I disputed these charges they are fraudulent! XXXX disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked XXXX to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} XXXX time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! XXXX said my case is closed! Please help
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on XX/XX/XXXX, I fell victim to a multilayered programming operation orchestrated by XXXXt ( the Fraudsters or the Company ). When redirecting to fake mining pools, application should aware client that he leaves app. I supposed that every activity is inside COINBASE WALLET sphere. I never got a message, alert, or notification about hazards. I demand to reverse back my lost funds - XXXX USD. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any response so far.
Consumer complaint received 2022-08-09
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (IL)

I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX  and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. 
. 
Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). 
Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX  XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I had applied for and was granted a forbearance on my XXXX student loan accounts through Navient during XXXX, as they were not the normal automatic federally stopped accounts. Both were granted, yet one is showing correct while the other continues to show a 90 day late ( which was during the forbearance period. ). I do not have the communication to prove it, as Navient deletes the online correspondence after 1 year.
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

OneMain - XXXX OneMain continues to increase the balance of an account that was charged off. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My wallet was stolen card was stolen and my pin was in my wallet as well I called the bank Wells Fargo soon as I found out about the transaction that where. Made they filed a claim then decided to denied me saying I gave permission which I didn't and over XXXX dollars was stolen out my account now I'm force to pay overdraft fee plus out of my own personal money I put in to save for my kids what can I do need help in resolving this matter
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: M&T BANK CORPORATION (NY)

On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments. 

The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done. 

Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX  she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up. 

I sure the bank has these recordings of the conversations on both days. 

Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 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 2022-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I received a bill from ERC in XXXX Florida stating that I owe XXXX. 
The issue is they are claiming its from XXXX XXXX XXXX who I called and has no record of debt. I was ready to write this off as a scam, except that after reading up on it, they seem to have the ability to put this on my credit report. I cant give them my information now that I know theyre not trustworthy, and I cant just leave it. I need assistance. 

XXXX actively trying to adopt and also save for a house. This could hurt all of my progress if not corrected and is clearly a coercion attempt that they have put many people through. 

Here is the information they sent.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

MY CREDIT CARD APPLICATION WAS DISAPPROVED OF TOO MANY INQUIRIES. 

THE LAST XXXX INQUIRIES WERE ALL FOR THE SAME REASON TO THE SAME PLACE. 

XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, XX/XX/2022, XXXX XXXX, AND XX/XX/2022 ARE ALL FROM XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I sent {$300.00} to XXXX via XXXX Chase for a XXXX refund. I was told this could be sent back to my Chase account via XXXX and due to COVID was the quickest way to get my money. This was a scam ( details below ) and Chase bank refused to issue me a credit. 

I needed a refund for a XXXX order. This was during covid so there were no reps at XXXX online or no live human I could find. When I XXXX  XXXX VIP support, an XXXX number appeared and when I called it asking for a refund, I was told to first go get a gift card which I refused then was told if I send {$300.00} via XXXX to XXXX - I would get the complete credit back. details were sketchy and I should have known better, but it was a XXXX XXXX phone number I found on XXXX - so I thought it was legit- it was not an ad so they must have used XXXX marketing to pay for this URL and NUMBER to be a top hit. This was the number I found and called - XXXX XXXX - Both XXXX XXXX email and the phone have most likely since been XXXX. Details below order number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX tXXXX  I wanted refund XXXX XXXX - fraudulent activity using XXXX via Chase XXXX sent {$300.00}
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

On XX/XX/2022, contacted Fay Servicing , LLC regarding contract term that is reflected for 48-years maturing XXXX. However, I believed the agreement to be for 40-years maturing XXXX, that is eight ( 8 ) year term difference, I included the loan number XXXX for reference. On XX/XX/2022, Fay Servicing , LLC communicated not able to find my records with the information provided ( loan number XXXX ) and requested I send the name on the account, last four # of ss, and address of the property, which I forwarded XX/XX/2022. I also explained to Fay Servicing why couldn't find account with the loan number that is XXXX, so I resent the full loan number XXXX. This is the third situation with Fay Servicing , LLC that makes me wonder of business practices.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in 2017. I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On Experian the balance is being reported as {$9800.00} while on XXXX and XXXX the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX I am asking that they all be removed because I did not request credit with these creditors.. 
Thank You XXXX XXXX
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022 I made a police report and called to Bank of America because I saw XXXX big transacctions that I didn't recognized from my debit card Mastercard ending XXXX - Fraud claim XXXX : XXXX XXXX PURCHASE XXXX XXXX NY {$2.00} XXXX XXXX PURCHASE XXXX FL XXXX - Fraud claim XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE XXXX {$2.00} INTERNATIONAL TRANSACTION FEE XXXXXXXX XXXX XXXX XXXXXXXX {$82.00} Bank of america after 7 days refused the claim and didn't refund the money, I made a police report about the situation I left copy of my passport to prove that I didn't make any travel in the last year and I also made a written affidavit, everything was sent to the bank by fax and they reopened the XXXX cases and about XXXX month later they refused again and didn't issue a refund. I have a lC3 complaint internet crime report too. I don't know who did it but clearly someone broke in and stoled my personal and banking data. 

Bank of America XXXX XXXX banking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have violated my rights. 

15 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 2022-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America or Arizona DES or both need to be held accountable. My fiance and I were receiving benefits from AZDES and on XX/XX/2020 Bank of America seized back over $ XXXX of PUA benefits in total between my fiance and my accounts. We received multiple different stories and explainations, and promises of our money being credited back. Its " been 2 years and still tat money hasn't been returned to us. 

. Our regular UI benefits were exhausted in XX/XX/2020 right before Covid hit and that's what our XXXX account status showed. The AZDES instructed us to instead file PUA because that was the relief benefits available to people who exhaust their UI benefits. We later found that what they were supposed to have us do was wait for the new federal extension program to become available to file that and then continue to PUA. Although, the amount of benefits would have been exactly the same under either program. Why couldn't they simply allocate the accounts? 

The PUA department instructed us to contact the regular UI department and file a backdated regular UI claim or extension claim.. Neither department showed our money as being returned by Bank of America and they insisted that they ( AZDES ) doesn't take back benefits and instead would just issue overpayment bills. Since they had no record of receiving the money back, there was no way to collect for those claim periods which showed we were already paid. 

Eventually the benefits were exhausted and programs closed so we were never paid during this hardship and we were XXXX XXXX XXXX XXXX XXXX for a long time and really needed that money because we couldn't work. And most of the people whose accounts were frozen were in dire straits, being evicted, suffering illnesses, or XXXX XXXX XXXX 

The AZDES phone representatives were uninformed, understaffed, and half of them were just employed by temporary staffing agencies and knew nothing. They were sending us all over the place and no one ever got this resolved. And they even reported the income on our 1099s!
Consumer complaint received 2022-08-07
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. (PA)

I filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not received any investigation results.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Multiple certified letters ( with Tracking # 's ) have been sent & received by Experian. I have requested, per FCRA laws multiple times for Experian to verify & provide me the proof per mail that the accounts ( through PROOF OF CONTRACT WITH MY SIGNATURE ) ; indeed, belong to me. Each time, Experian has updated my credit stating they have " verified '' that the account belongs to me, and not deleting the fraudulently reported & unverifiable through proof of signed contract account.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX called my job on XX/XX/2022 at XXXX XXXX. XXXX XXXX XXXX XXXX was told not to contact or call my job anymore. XXXX XXXX did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXX XXXX This is a violation according to15 USC 1692c : Also, XXXX XXXX has sued me and taken me to court and the judge dismissed the case due to XXXX not proving that I owed the debt and they did not show up.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions