davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Foundation, Inc. (NC)

I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Franklin Collection Service, Inc. (MO)

XXXX XXXX XXXX XXXX released my information to Franklin Collection Services for the amount of {$110.00} and {$550.00} on XXXX XXXX. I wasn't notified by XXXX XXXX XXXX XXXX that I owed anything.
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I have an issue with a transaction that was made to XXXX on the XXXX of XXXX concerning a refund. I placed the order at XXXX and didnt receive anything, so I contacted the store ( multiple times ) and was told after I had the order canceled that I would be refunded back. Yet, I did not receive my money back for an order I never received. I would like to have this transaction disputed! Thank you, kindly
Consumer complaint received 2024-10-22
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. (DE)

I am writing to make a final demand for the immediate resolution of my previous disputes regarding the removal of inaccurate and invalid negative accounts from my credit report. Despite XXXX swiftly addressing these inaccuracies, both XXXX and Experian have failed to take the necessary actions, violating my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-11
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-10-18
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-22
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. (WA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently checked my reports and saw that my address in all 3B were incorrect. I would like my address be updated on file. Kindly change it to my current address this is my current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-22
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. (TX)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX the XXXX, I made a debit card transfer with my debit card issued by XXXX XXXX XXXX XXXX. I typically make these transfers from my personal account to my business account with Navy Federal. My first transfer was in the amount of {$200.00}, and second was for {$150.00}, I made twio transactions, because they both claim too have failed. So, I managed to be able to transfer money form my XXXX XXXX and it went directly in. Well needless to say, the next morning had two insufficient fees of {$29.00} and overdaraft an overdraft fee from my personal account. I went over to XXXX XXXX XXXX XXXX, and they gave me a copy of the codes that show that the transaction was made on th XXXX. I took it over to Navy Federal and they still seem to have hard time finding it. They did, thatnkfully force those two checks through because, I had called the next morning. A returned Mortgage check and {$390.00} short, I am very stressed out because I am short {$350.00} plus {$32.00} in over draft fees, time spent goin back and forth the whole week, so I could get my money back to pay my bills. As of today, I still have not recieved any money in my account. I am not sure what I am goin gto do about paying my mortgage, becasue i already behind. 
This has put a real hardship on me.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My mom had two accounts at Capital One 360. One, account number XXXX with {$78000.00} was a savings account. The second, account number XXXX in the amount of {$85000.00} was a money market account. I was joint account holder on both accounts. Mom passed away XX/XX/XXXX. I notified Capital One and provided a copy of her death certificate as requested. When I checked the accounts on XX/XX/XXXX, I noticed that Mom was no longer on the accounts. I was listed as the only owner on the accounts. When I checked the accounts on XX/XX/XXXX the money market account was GONE. It does n't show up when I login. Nothing - not a note that there was a problem or anything. I contacted Capital One 360 customer service, expecting that it was merely a computer glitch on their end. What I was told is that they have restricted the account because of questionable activity on Mom 's profile and that they restricted the account because her name is still on it. First, the activity was most likely me attempting to log in with her access to verify that it was disabled and her account shut down. Second - How did Mom 's name get BACK on the account that I was sole owner of on XX/XX/XXXX? Third - Why was I, the account owner, not notified if there was a problem with the account? On XX/XX/XXXX I had complete and solitary access to {$85000.00}. Today, it 's gone from my account. I ca n't see it, restricted or otherwise. Capital One says that they show me as JOINT owner on the account but effectively, they have stolen {$85000.00} from me without notification. 

I have attached a copy of the XX/XX/XXXX statement showing account numbers and myself listed as Joint Owner on both accounts. I have also attached the letter from Capital One showing that account ownership changed from Joint with Primary Owner to Individual Primary Owner, dated XX/XX/XXXX. ( I saw this change on the XXXX online but it was a holiday - thus the official letter dated the XXXX. )
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hello so apparently I had a wire fraud on my checking account on XX/XX/XXXX for the amount of XXXX plus XXXX for the wire fee. I noticed the charge online and contacted my bank. They conveniently closed the account before the weekend so whatever money was left I had no access to. They went on and said I have to open a new checking account and transfer the funds from the old account to the new account. I am still waiting for the rest of the funds they are holding against my will. They say they can hold it for up to 90 days, but they say there was no fraud on my end. I recently moved. I explained to them that I live alone, I am in XXXX I pay rent, and all my bills and food. All on me and that you can't hold my money. Now when I try to call the phone gets disconnected or they say, still investigating the issue.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.
Consumer complaint received 2018-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Collections Corp. (NY)

I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.
Consumer complaint received 2018-01-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (CA)

I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

i had 2 captiol one accounts, there was a lot of confusion about which account they were attempting to collect on. I was paying my card and even received XXXX for my second card. I attempted to resolve but this was pushed to collections before i could resolve it
Consumer complaint received 2017-11-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Forthright Funding Corporation (WI)

We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NV)

I recently became aware of a fraudulent transaction with my XXXX XXXX XXXX checking/debit account executed through the XXXX XXXX XXXX, with which I do not have an account and have never transacted business. 

Nearly half the balance of my account was withdrawn fraudulently by someone in New York. I immediately contacted my bank 's fraud department as well as filling reports with the FTC 's identity theft department and my local police department. 

I also notified Venmo by email of this fraudulent transaction and received a form response instructing me to take the steps I'd already taken above. They offered no assistance whatsoever with pursuing an investigation or helping me recover my stolen funds. 

How is this company allowing such fraudulent transactions through its service, especially from accounts held by people like me who don't even have a XXXX   account or any kind of contact/verification information with them in the first place? 

They are clearly aware that this is a widespread problem because they have an entire section of their website devoted to addressing questions from consumers whose accounts have been stolen from in this fashion. 

I had never even heard of XXXX before this incident, but they seem to be a prime example of an unaccountable tech company playing fast and loose with the security of Americans ' private information while enriching themselves and leaving victims of fraud and abuse to twist in the wind.
Consumer complaint received 2022-08-31
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. (PA)

Hello, my name is XXXX. 

I am writing yet again in reference to the ongoing dispute with Equifax over the fraudulent XXXX XXXX account that is still on my report and should not be. I called Equifax today and spoke with three different representatives. XXXX, XXXX and XXXX who all denied me my rights as a consumer to have this fraudulent account removed. I have made several attempts to remind you of your duty 15. U.S Code 1681i ( A ) ( 1.A ). Youre intentionally and willfully being neglectful in fixing this issue. 15 USC 1581 e ( b ) assures that I am due promised accuracy in my report based on federal law. I am requesting this fraudulent information removed. This is unlawful and a direct violation of my rights. Please remove this account. Thank you
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Genesis Lending (NJ)

I am writing today in regards to my account with XXXX XXXX XXXX # XXXX. 
The reason for writing today is in regards to the late payments showing on my report in XXXX 2020 and XXXX 2020, due to Covid I was unable to make the payments in XXXX and XXXX 2020. As soon as I was able to, I got my payment made and caught up.