davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

On XX/XX/XXXX a customer inquired on purchasing an item from me. I have messages to prove this And they will be attached. This person first contacted me to deliver to them at XXXX XXXX XXXX, XXXX MI. The person first cash apped me for delivery. At XXXX the customer viewed the product felt the quality agreed to the Payment and cash apped me and I delivered the product. At XXXX this person contacted with unreasonable demands of me refunding her for an altered product at which I declined. The person stated, " It's okay, I will just dispute the whole thing. '' However this is not a disputable matter as she receive the product she paid for. I withdrew the funds from my cash app however the funds are no where to be found and I've contacted cash app on multiple occasions to no success. I've sent emails and I've contacted XXXX. The purpose of this complaint is my Matter has not been heard in this dispute and my funds are not available to me as they should. In addition my XXXX XXXX XXXX birthday was XX/XX/XXXX they will show several deposits that day for her birthday. Around XXXX yesterday I withdrew the money from the deposit from the person " XXXX '' and so all the money that I do not show as available was my daughters birthday money.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

I've been trying to get a written payoff quote from my mortgage company - PHH, serviced by XXXX XXXX for 2 weeks. I've submitted via their automated system and even called and spoken with a person. They said they've sent it but it never arrived via mail or fax. 

I'm trying to refinance and this has already delayed me closing on my refinancing with a new company!
Consumer complaint received 2020-05-27
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. (CA)

I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

My credit card company has a security policy in which I am to be notified immediately of any unusually large charges and/or of any instance where a charge is declined. Had they followed these policies I would not be in the situation I am in. 
I was in a position where I needed last minute flights home from XXXX. I attempted to buy tickets online but received an error notice before the transaction completed. I received no confirmation from the merchant or my credit card company so I was certain the transaction had failed. As an alternative, I purchased tickets for the same flight at an airport travel agency.. 
Shortly afterward, I received a call saying my credit card was declined and that my flight was full so would need to be rebooked on another airline. I approved, assuming it was an rep of the airport travel agency. 
It actually was the online merchant calling, so as a result I purchased a second set of flights I received no notification that my card had been declined OR that there were {$10000.00} in charges put on my card that day. In fact, when I called to clear the charge, there was only one {$5000.00} charge listed as pending. 
I have been disputing this for almost 2 years now. At one point a Chase customer service supervisor conceded that I should have been notified that the first charge was declined ( he said that there was no record of charges declined that day ) and of the large international charges. He said that my problem was that Chase paid the merchants before fully investigating. He also told me that there was a note that the case was closed because I had not provided enough information, but he could see that I had submitted all the necessary documents. 
Had they given me notification that I had 2- {$5000.00} charges that day or that the charge to the online merchant had been declined I would not have made this error. Either the online merchant committed fraud by lying about my card being declined or Chase failed to notify me of the issue. 
I understand this situation is very complicated, but had Chase followed their own security policies I would have been protected from his costly error.
Consumer complaint received 2020-05-27
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: DISCOVER BANK (CA)

Around XX/XX/XXXX or XXXX my teenager son son wanted to buy used XXXX headphones he saw advertised on app called XXXX & started talking to XXXX XXXX the seller. The seller was telling my son to use XXXX to pay him & when I asked my son why cant you pay him through XXXX he said seller cant accept payment from that up. I got a bad feeling about this whole transaction but I agreed because my son was very excited about getting these headphones & he has XXXX so I help him with purchases. Now I had messages on messenger with the seller & he got paid through XXXX & he said he would send the tracking but never happened & he ignored messages. Now I disputed the transaction with XXXX and now XXXX rejected because theyre saying we violated the XXXX policy by paying a vendor through friends and family so theyre blaming us & rejecting the claim. The crook got paid & we are out of & {$100.00}. Our credit card company Discover is not protecting us and XXXX is taking sides with the crook who swindled us & we broke the policy. First able when we made the payment through XXXX we didnt know XXXX was involved and XXXX didnt show the details of the transaction. Now both Discover & XXXX is rejecting this online scam as treating it as its our fault & we are liable for the payment. XXXX also didnt help by saying its friends & family transaction. I asked them to investigate this guy and report him to authorities & I doubt they did anything. I dont want to be resposible for this charge & I want it taken off my account. This is an online scam & he is praying on people like my son who has XXXX. Plus not everyone out there knows these apps like XXXX or sending money on XXXX is like cash where there is no tracking it or crooks like this use it to their advantage. XXXX and Discover dont offer any consumer protection when scams like this are going on. Im sure we are not the only ones. Plus XXXX & XXXX charged around {$4.00} in fees which Im sure there is insurance that protects them during fraud cases. Im out right now {$100.00}.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

Requested a free yearly credit report. Now we found out that we are being charged by Experian ( deducted from our credit card ). Furthermore, we receive emails solicitation " enhancement of membership ''. We never agreed to any membership. All we asked for was a free credit report.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.
Consumer complaint received 2020-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I put in my complaint on XX/XX/2020 to Experian about the mistakes on my credit that I never got any results from when I sent it. I gave a copy of my ID to prove it's me and still they said they don't think it was me. This was after they said a week earlier that they would investigate. It is me and they are trying not fix the mistakes on my credit. I have right to dispute these things. I am sending everything again including what they said to my complaint.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on Equifax # XXXX ; There is a account on XXXX I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Problem Company : SPECIALIZED LOAN SERVICING problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Consumer complaint received 2020-05-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

On XXXX Experian was sent a Method of Verification letter via certified mail on a Bankruptcy reporting on my credit report. I filed a complaint with the CFPB ( XXXX ) because Experian didn't respond within the 15 days required. A copy of my DL and power bill was sent in this original letter and they came back and asked for it again. 

Experian responded that they didn't think I directly made the claim, but they still never responded. I didn't make a claim, I simply asked for a method of verification. 

Experian did respond to my disputed student loans but never addressed any concerns about my identity in that letter and they received them at the same time. The neglected to address the hard inquiries on that letter as well. 

I'm asking Experian to delete the Bankruptcy because the failed to respond within the 15 days required by federal law nor did they deny that they received the method of verification letter. And I'm asking them to delete all hard inquiries that are not connected to a account that I'm responsible for on my credit report because they didn't investigate my dispute on the inquiries. Some are listed several times on the report. 

The problem I have with this whole is when a company reports to the credit bureau, they have no problem destroying your credit without proper identification, but as soon as a person decides to fix a negative account needs to prove who they are! Please delete the bankruptcy and the hard inquiries that you decided not to investigate.
Consumer complaint received 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

I have 6 Nelnet student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with Nelnet. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as Nelnet does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with Nelnet. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by Nelnet. 

I am a nurse on the front line of this pandemic. The breakdown of communication between the college in XXXX and Nelnet should NOT be falling on my shoulders. Nelnet needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that Nelnet provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that NELNET does not have access to the current status due to this pandemic.
Consumer complaint received 2020-05-27
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. (FL)

On XX/XX/XXXX I contacted XXXX to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (CA)

I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I spoke to an associate named XXXX and I requested a reduction in the APR on my Chase credit card. He advised that this is the lowest rate available. I find this hard to accept being that my FICO score is XXXX and I have never been late with any of my bills. I live in the state of XXXX XXXX and we are the epicenter of the COVID-19 outbreak. Chase should provide a lower APR in my case since I have several accounts Chase. This is not how you build shareholder value with clients.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I filed a dispute with Wells Fargo on an unauthorized charge. The reason why this is an unauthorized charge was that I canceled the gym membership in accordance with the gym contract - in a term such termination of account withdrew my consent of further withdraws. 

I received a letter on XX/XX/XXXX that my dispute was denied for the amount of {$99.00}. 

The gym membership was canceled on XX/XX/XXXX - the contract required 30-day notice of cancelation. The gym contract should have been canceled on XX/XX/XXXX a day prior before dues were taken out. That was not the case.
Consumer complaint received 2020-05-27
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. (GA)

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX.  He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Consumer complaint received 2020-05-27
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. (NJ)

I am not a credit repair company or credit person, I am XXXX XXXX XXXX XXXX, and I am a victim of identity theft
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with CashNet was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.