davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MS)

On XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX found an auto insurance claim for the loss off our vehicle. XXXX XXXX XXXX  issued payment to XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. ck # XXXX in the amount of XXXX. The check was cashed without the endorsement of XXXX XXXX XXXX XXXX by XXXX. On XX/XX/XXXX we filed a forgery claim and sent the documents to XXXX XXXX XXXXXXXX XXXX XXXX. We had no response. I submitted a claim to consumer finance, case # XXXX. When an agent stepped in and got XXXX XXXX to respond and the claim was handled by XXXX XXXX XXXX. I found out later that she was as subrogation adjuster. I was given the info for XXXX, the claim supervisor who advised that a new affidavit would need to be completed. We completed that on XX/XX/XXXX. We communicated back and forth until XX/XX/XXXX when she emailed me to contact XXXX XXXX who is with XXXX XXXX. No other information except the email address : XXXX, and check #. I reached out to XXXX on XX/XX/XXXX. We have been communicating back and forth. The last update I received from her on XX/XX/XXXX stating that she was reaching out to her Fraud Specialist. I have been emailing her since and have not received a response. She also never provided me a phone number.
Consumer complaint received 2020-05-07
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. (CA)

I took out federal student loans in XXXX, then the government unilaterally transferred them to Navient. Now, Navient is telling me I don't qualify for the government-mandated administrative forbearance in response to the Covid-19 pandemic. This forbearance allows you " to temporarily stop making your monthly loan payment. This suspension of payments will last until XXXX XXXX, XXXX. '' But I'm not qualified for this because, Navient says, some other organization is servicing my loans ... even though I deal only with Navient. 
This is pure fleecing. I took out federal loans. I never had any say over who manages and services the loans. I deserve not to have to pay during this crisis like others who took out federal loans. There must be millions of others like me.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wire transfer was being made on XX/XX/XXXX XXXX without my knowledge or permission. My Wells Fargo Bank for over 25 years accusing me that I initiated the wire transfer which I did not. XX/XX/2023, XXXX XXXX someone call from Wells Fargo phone number saying that multiple transaction being made from my debit card at different stores in Texas. 
The same day around XXXX XXXX I went to the nearest Wells Fargo branch at XXXX XXXX XXXX. XXXX CA.XXXX to report the call that I received. The manager XXXX XXXX of the bank check any activity or transaction being made that day and she didn't find any activities. She called Wells Fargo Fraud prevention to freeze my account and handed me a piece of paper with Fraud prevention phone number to follow up which I did. 
I requested to change my account number that day but instead she signs me for next day appointment at XXXX XXXX to open a new account. 
XX/XX/2023, at XXXX XXXX while XXXX XXXX is helping us the bank manager told us that someone conduct a bank-to-bank wire transfer to my savings account for the amount of {$8500.00}. 
We called the Fraud prevention to know what happened, but nobody knows. 
Wells Fargo Bank employee did not handle the issue seriously. '' NEGLIGENCE " as I requested to change my account number the morning of XX/XX/XXXX, but instead doing it that day I wait till next day afternoon. 
My card was used again from withdrawing money {$500.00} from my account on XX/XX/XXXX XXXX from XXXX which I received a declined notice. Wells Fargo needs to focus and update cybersecurity to secure our financial needs.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-09
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. (IL)

Transunion and XXXX continue to report an account inaccurately on my consumer report. The account listed on my consumer report XXXX The XXXX XXXX XXXX has several inaccuracies that I know have not been verified. Both credit bureaus are not reporting the same information and that means that the account has not validated by anyone other than the credit bureaus. 

High Balance : {$520.00} {$0.00} Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date OpenedXXXX XX/XX/XXXX Closed XXXX -- Creditor Type : Bank Credit Cards All Banks Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor.
Consumer complaint received 2024-01-24
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. (PA)

I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : XX/XX/XXXXXXXX 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 2020-09-09
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-07
Product: Credit 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: DISCOVER BANK (PA)

Many charges were made on my credit card from a company that i do not have a account with. The charges were made by XXXX XXXX and XXXX XXXX. I have NEVER had a XXXX XXXX or XXXX XXXX or any XXXX account. I explained to Discover customer service representatives more than once I did not make these purchases. I live alone and do not allow anyone to use my Discover card. The total amount of unauthorized purchases totals approximately {XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc (TX)

Hello. The company Paychecks-Solutions have been very harassing to my employer. The first thing they did was contact my employer in XX/XX/XXXX with a fake garnishment asking them to withhold money from my check without going through the court system. I was able to reach out to them to setup a payment arrangement however after I was late on XXXX payment today, XX/XX/XXXX I was informed by my boss that they reached out to him on his mobile phone asking me to contact them. My boss was not listed as a reference and I have no idea why they are contacting him on his mobile number. The efforts of this company are very harassing and need to be addressed.
Consumer complaint received 2020-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I spoke with Navient three week ago l had received a letter stating l needed to make payments. I Express that l had received statement that we did not have to make payments during the Corono Virus Pandimic. Lady then stated she wanted to send me some papers to sign so l would not have to pay my loan for one year, l would have to sign these papers every year. As long as l was on Social Security and l did not get enough to pay my loan. I sign the papers Navient sends me, a letter today with three different amounts. XXXX, another XXXX, another XXXX. This is incorrect, inaccurate, and misleading. Several years ago l made my student loan payments. Navient continued to add interest while l made payments. 
The lady l spoke with stated she was sending me papers to sign so that l would not have to make payments for one year. She lied to me. I sign the papers then l receive these papers with these amounts. I am contacting The U. S. Consumer Financial Protection Bureau,. I would appreciate your assistance.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

First problem is that this company stole my money : XX/XX/2020 Posted date XX/XX/2020 Merchant info XXXX DescriptionXXXX  MethodOnline, mail or phone Card number ( ... XXXX ) CategoryProfessional services This company stole {$1400.00} from me, they were supposed to give me access to a website and a daily newsletter. I am not getting anything from the fraudulent company. Chase is NOT responding to my emails and when I talk to customer service they are extremely rude. I have not received a credit from Chase and they are not investigating. 

Second problem, back in XX/XX/XXXX I sent about {$600.00} to XXXX via Chase. XXXX says they never got the money from Chase. Chase claims they sent it. Again, I lost {$600.00} due to Chase being inept.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the XXXX  Citi Card. ( see screenshots : Promotional Banner, Promotional Checkout ) I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout ( See PDF Instant XXXX you're approved ). 

I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. 

The next day, the flight had increased to {$910.00}, so I paid XXXX XXXX {$30.00} to hold the booking, to see if the card came in time to receive the promotion. In 7-10 business days the flight was never the same price as the advertised promotion I applied for. 

Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion ( See Screenshot XXXXStatement ) : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. This is false advertising. 

While I submitted a complaint, the company responded that with I should've received the temporary card/account number that would've allowed me to checkout with the promotion. In the days I have waited, I have not received a temporary number. And as in the instant e-mail, it was not provided in the Instant Approval e-mail to secure the promotional price at checkout that was advertised. Attached is also the company response to the first complaint where they said I should've been given a temporary number ( See Citi Response )
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IL)

I was sent an email from the debt agency in which they are not the original debtors. I asked them for written validity and verification of this debt they saying I owed and I dont receive anything and not they have reported to my credit reports
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/23, Complainant submitted a formal request for her account to be CLOSED, ( # XXXX ). Furthermore, she requested the DELETION of her personal data pursuant to the Colorado Privacy Act. The importance of comprehending a service request can not be understated because it leads to unnecessary frustration. 

Despite a clearly written request, Complainant received an email communication from one XXXX XXXX on XX/XX/23 requesting information to unfreeze her account. Evidently, the representative is struggling to understand plain XXXX. In the interest of clarity, Complainant was NOT requesting to unfreeze her account. Complainant is requesting CLOSURE OF HER ACCOUNT AND DELETION OF HER PERSONAL DATA, as she is no longer interested in an account with this business.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MD)

Subject : Request for Duplicate XXXX XXXX Documentation Dear Chase Bank , I hope this message finds you well. I am writing to request a duplicate copy of my XXXX XXXX documentation. Despite the passage of time since its expected mailing date on XX/XX/XXXX, I have not received the original document. 

As my taxes for the year XXXX have already been filed, I kindly ask for your assistance in providing a duplicate of the XXXX at your earliest convenience. Please send it to my home address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Maryland XXXX. 

I appreciate your prompt attention to this matter and thank you for your assistance. 

Sincerely, XXXX
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

I entered into a consumer credit account with Lowes, in XXXX. I charged {$16000.00} to refurbish my kitchen. The terms were 0 % interest for 2 years, followed by interest of 26.99 % thereafter. 

When I went online to pay my bill, today. I found an interest charge of {$10000.00}. had accrued since my prior statement, which had a balance of {$11000.00}. I had paid {$1000.00} on that balance. 

When I called Lowes, I was informed that, if I did not pay the entire balance by XXXX XXXX, I would be responsible for the {$10000.00} in interest and would be responsible for a balance of {$21000.00}. Paying it off over time would result in interest payments of many thousands of dollars. Otherwise, I owed them {$10000.00}, if paid in full by XX/XX/XXXX. 

Fortunately, I have the money and was considering paying off the balance anyway. However, I can imagine someone less fortunate being under extreme pressure facing this unexpected term adjustment. 

I thought I understood that they would BEGIN charging me 26.99 % on THE REMAINING BALANCE if I didn't pay off the balance in two years. Instead, they seem to have charged me over 50 % or thereabouts from the inception of the original {$16000.00} charge, retroactively. There seems to have been no consideration of the over {$6000.00} I had paid in the 2 yrs. 

Is this legal?
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc. (TX)

MoneyLion has repeatedly violated FCRA, TLA, and MLA. 

MoneyLion requires payment for subscription service with misleading advertisement and will not allow cancellation unless account is paid in full. Moneylion also charges above allowable interest rate to service members and dependents. 

Because of these violations I was trapped in a debt cycle with MoneyLion.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.