davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NJ)

On XX/XX/XXXX I called My Money Network to engage in a transfer of funds from my account with that bank to my XXXX XXXX account. I had set up the Money Network account in XXXX when my son was born ( funds from NJ Family Leave Insurance are sent there ). When my daughter was born this year, additional funds were placed in the Money Network account by the state of NJ. During the phone call when I initiated the transfer, the auto-prompt asked me if I wanted to transfer funds to the existing account on fi le. I presumed this was my TD bank account. After weeks and the funds did not arrive, I logged into my online account and found that another person had been allowed to place their name and account information in my Money Network account, and my funds were instead transferred to this person. The account was a XXXX XXXX account ( i have the account number and routing number on fi le if needed ) and the routing number was from Arizona. The person 's name was XXXX XXXX. I searched this name on XXXX and found the following account but have not tried contacting this person. https : XXXX The account is from the Arizona area XXXX matching the routing number I have on fi le for this person. I contacted Money Network immediately and was instructed to fi le a dispute. The initial dispute was rejected, and when I called to ask why, I was told it was because the paperwork was filled out incorrectly. I fi led a second dispute, and before I received paperwork to add the full details of the case, I received another notice that the dispute was rejected. I called again and was informed that I could fi le an appeal to the dispute. I fi led an appeal via email with no response. I sent five additional emails between the initial appeal, and about mid-XXXX. There was no response. I called Money Network again and was informed that no review had taken place and that the appeal was outside of a XXXX review window so I needed to fi le another dispute. This dispute was again promptly rejected by Money Network. I emailed them again asking why this is happening and have not had a response. Clearly this institution does not care that a person not associated with my account was able to access my account, place their information there, and receive {$1600.00} of my personal funds. I am reaching out to you now in the hopes that at least some form of investigation occurs so this does not happen to another unwitting customer of Money Network. Thank you!
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

This complaint is a follow-up to complaint XXXX. 

I have been working with Fedloan for several months now to keep my loans in repayment and Fedloan has been unwilling to help. I work full time and go to law school at night. I have been repaying my loans continuously since XXXX and Fedloan suddenly decided this fall to put my loans in deferment because they were notified that I was a student again. The deferment started several months after I enrolled. I requested that my loans be put back in repayment so that I would continue to be automatically billed each month, with additional amounts directed at the highest interest loans. Because Fedloan moved my loans into deferment without contacting me, additional interest has accrued and payments have not been applied. I have already reached out to Fedloan to have my loans placed back in repayment twice, only to receive an email notification on XXXX/XXXX/XXXX that my loans have been placed back in deferment for a third time without my permission and against my previous requests. This has to be illegal.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I was trying to get the free annual report from equifax. Their website is not working. Even though they offered to provide service on the government website - XXXX. 


Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : XXXX XXXX XXXX Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric,  water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download XXXX XXXX Return to Annual Credit Report
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Benefit Claim Number : XXXX Card Holder : XXXX XXXX XXXX : Chase XXXX XXXX credit card Summary : Dispute for travel reimbursement for medical emergency Contact : XXXX XXXX My wife, XXXX and I ( XXXX ) purchased flights on XXXX using our credit card number ending -XXXX on XX/XX/XXXX. XXXX completed XXXX school and we were moving from XXXX to XXXX XXXX. Flight and baggage fee total {$190.00}.

On Thursday, XX/XX/XXXX, XXXX XXXX, sustained injury to her XXXX XXXX  XXXX. She was rock-climbing at XXXX XXXX  in XXXX XXXX when she fell off the wall and hurt her XXXX. Ambulance took her to XXXX XXXX Hospital where she underwent XXXX and tests. She sustained incredibly painful XXXX XXXX. Doctors note is included, and she was unable to fly across the country the next day on FridayXX/XX/XXXX because of extreme pain.

Chase XXXX XXXX has travel reimbursement for medical reasons, but they wo n't approve our case. We have filled out all requested information that we can. Chase Claims Benefits requests a doctor complete their Physician 's Statement. We have reached out to XXXX XXXX Hospital several times by phone and email, but billing and administration can not / will not help us. This is the Emergency Room, and they can not get the emergency room doctor to complete the Physician 's Statement. We understand their inability because Emergency Room doctors are very busy saving lives.

Please help us.

Best, XXXX and XXXX
Consumer complaint received 2024-10-12
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. (OR)

I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, Experian, XXXX and XXXX but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # XXXX
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (TX)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted information to XXXX XXXX Bank on XXXX XXXX, XXXX, for an old account that was listed on my report, although the account was paid. XXXX XXXX bank agreed to request for the removal from my credit report, on XXXX XXXX, XXXX. XXXX and XXXX removed the item on XXXX XXXX, XXXX. Equifax refused to remove the item, although they received information the company stating that they were requesting a removal from my report. After Equifax refused to remove, I disputed the item on XXXX XXXX, XXXX, XXXX XXXX indicated to me they were requesting a removal. Equifax still did not remove the item from my report.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-31
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

I tried to log into my Coinbase account after getting a new phone, same account, same XXXX authenticator, same everything. 

Can not get into my account. Have not received a response or resolution from Coinbases account recovery system. Nothing. 

Give me access to my account, I have uploaded my drivers license, all of my info. I wish to no longer do business with your company once I gain access to my funds.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.
Consumer complaint received 2017-09-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Foreman Financial Inc. (CA)

FOREMAN FINANCIAL-XXXX I had become ill and was on workers comp for almost XXXX years. I was unable to pay for the vehicle which was purchased for {$9900.00} and I paid {$2500.00} down with monthly car payments of {$250.00}. Due to short pay and hours due to workers comp I was unable to make the payments. Foreman Financial picked up the vehicle XXXX years ago and they are reporting the car as missed payments each month XXXX times and also shows vehicle is charged off but keeps reporting missed payments and the balance amount is false. They keep reporting {$9900.00}, {$11000.00} and {$12000.00} as owed which would mean I never made any payments at all when I did. They keep reporting this which is damaging my credit and I receive alerts XXXX times a month regarding missed payments when the debt was charged off and car was repossessed. Foreman Financial has been sued for their unfair collection and reporting practices and this company still continues to do so unfairly to damage and ruin others credit.
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On the XXXX XXXX, I made XXXX x withdrawals from Coinbase after selling crypto currency on their website. Both withdrawals still show as 'Pending ' even though they should have arrived before XXXX XXXX. 
I have made multiple attempts to contact Coinbase, but to no avail. So far, they have not been able to tell me when I will receive my money. 

- XXXX Coinbase Reference - XXXX - XXXX Coinbase Reference - XXXX Best Regards,