davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

XX/XX/XXXX  I contacted Netspend regarding an email welcoming me and requesting that I activate the card that I had received. I called Netspend because I did not apply for a prepaid card and asked them to confirm if I had an account opened with them by someone due to the email I received. They refused to give me any information because I did not have the card in question as I kept explaining that I did not want a card nor did I apply for one. I called them because I was concerned about fraud or identity theft. I wanted to k kw why I received the email since I did not apply for any prepaid card account. They told me they couldn't help me and to contact the FTC. After, many attempts, they refused to give me any other information.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX XXXX charge card on my TransUnion credit report it was it was opened XX/XX/2023 and it last reported on my file on XX/XX/2023 this card is not mine and is a fraudulent transaction I have already filed a dispute with TransUnion that is pending and I spoke with XXXX XXXX which they said they couldnt do nothing. I have also frozen my credit report for now I would like this card to be removed and canceled from my credit file
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (GA)

My mortgage was transfered from XXXX to Valon Mortgage in XX/XX/2023, I have been making Doulble house payments for last 24 months. Previous mortgager always applied anything over the normal payment to Principal. Valon from the very first payment each month has misdispositioned my funds to Escrow or appling payment to future payment interest and escrow instead of appling it to directly to that months principal. I have to watch the paperwork and have had to call everymonth to redisposition the fund to principal. I dont believe i should have to. As a matter of fact I wonder how many other people they are doing this same thing to. Please contact me back with any information you can give me.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three  agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Consumer complaint received 2023-09-03
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

ON XX/XX/XXXX I ATTEMPTED TO SEND A DOMESTIC WIRE TRANSFER TO MY BUSINESS CHECKING ACCOUNT WITH FIFTH THIRD BANK FROM MY CAPITAL ONE SAVINGS ACCOUNT ( NOW CLOSED *6067 ). I WAS TOLD BY CAPITAL ONE THE TRANSFER WAS REVERSED BECAUSE THE ACCOUNT THE MONEY WAS BEING TRANSFERED RO WAS EITHER CLOSED OR WRONG ACCOUNT NUMBER WAS PROVIDED. I SPOKE WITH FIFTH THIRD BANK THAT DAY THEY STATED THEY DID NOT REJECT THE TRANSFER. THE ACCOUNT NUMBER WAS CORRECT AND THE WIRE TRANSFER NUMBER WAS CORRECT. ULTIMATELY, THE TRANSFER WAS REJECTED AND MONEY WAS RETURNED. CAPITAL ONE SAYS IT WAS FIFTH THIRD, FIFTH THIRD SAYS THATS NOT TRUE. THE FUNDS WERE REFUNDED, BUT I WAS CHARGED A {$30.00} WIRE CONVENIENCE FEE. I REQUESTED AN OPPURTUNITY TO HAVE INVESTIGATION FORM COMPLETED TO SEE WHY WAS THE TRANSFER REJECTED. I WAS TOLD THIS IS ONLY AN OPTION WHEN FUNDS GO MISSING, WHICH WAS NOT THE CASE FOR ME. I REQUESTED A RECEIPT AND WAS TOLD I WOULD HEAR BACK AND RECEIVE THE RECEIPT FROM CAPITAL ONE WITHIN 3-5 BUSINESS DAYS. THEY KNOW HOW TO GET IN TUCH WITH ME VERY QUICKLY. I WOULD LIKE TO EXPECT THE SAME URGENCY WHEN I REQUEST OFFICIAL DOCUMENTATION. I HAVE NOT RECEIVED THE RECEIPT AND WAS CHARGED A CONVENIENCE FEE FOR A TRANSACTION THAT DID NOT OCCUR AND NOT TO ANY FAULT OF MY OWN.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I reviewed my credit report and found some inaccuracies. I have enclosed a copy of my ID as proof of my identity and mailing address, and credit report number. Please remove all other names and pervious addresses from my credit report. 
Please mail me a copy of the complete consumer file that you have on me after you act on this dispute. If verified, I request a description of the procedure used to determine the accuracy or completeness
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Prior to XX/XX/XXXX XXXX XXXX was correctly reporting an old account accurately as a " charge off '', however as soon as I applied for a mortgage, XXXX XXXX began to report this information as " new and past due '', in a deliberate attempt to prevent me from obtaining a home loan until this account was paid! The account with XXXX XXXX was reported as a " charge off '' in XXXX 4 years ago and prior to XX/XX/XXXX was accurately showing that way on my Experian credit report. My lender and myself called to verify the date of charge off and it was confirmed as XXXX. With the inaccurate reporting my credit score plummeted 40 points, I believe this was an attempt by XXXX XXXX to try to collect on a previous debt and their action was deliberate This account is not new and should not be showing that way on any credit reporting agencies!
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I applied for state job at the post office and was asked to provide a fee for applying and to submit application. The information returned voided. XX/XX/2021. I did not receive the fee after applying to the job nor any official email. I found out this was not the actual company that was intended for me to apply.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

Im not able to access my account to provide dates. 
I received a tuition reimbursement check but it was a scam. The check was deposited but did not clear. I already had money in my checking account at the time. The next thing I know I'm not able to access my account and they wont tell me anything. Ive been calling for months. Ive never even received a lettter in the mail. Its like my account is gone. I have XXXX dollars in the account that im not able to access and I need that money as im not currently employed. I call and get no where.
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scratch Financial, Inc. (FL)

It has come to my attention that the company, ScratchXXXX Financial Inc., has reported that I owe money and have a signed contract with the organization. However, I must strongly dispute the accuracy of this information, as it is entirely false and misleading. 

I want to make it clear that I do not owe ScratchXXXX Financial Inc. any money, nor do I have any signed contract with the company. It is both inaccurate and unjust for such information to be reflected on my credit report, as it has the potential to harm my creditworthiness and financial reputation.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Met a guy named XXXX on XXXX while I was very vulnerable. I ended her relationship of 14 years shortly before the scam. We started chatting, he was really patient because he waited until that friendship grew into a romantic feeling. That is when I started investing. He taught me everything about crypto and trading and gave me detailed instructions on how to do everything. I even took XXXX USD in personal loans in order to start investing. The total amount invested and lost is XXXX USD. My first transaction happened in XXXX this year and the last one around XX/XX/2023 from my account and through the intermediary XXXX to the scam company XXXX The scammer went to great lengths since he even allowed me to withdraw my profits once, just so I dont get suspicious. I was completely unaware of what was going on and genuinely believed that I was making money. As it turns out, not only did I lose the money, I am now in an indescribably worse situation than before the scam, with monthly installments for the loan. I have to find a second job because of all this.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX. 

XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  XXXX. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.
Consumer complaint received 2023-09-07
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. (GA)

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. 

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 has violated my rights. Or a list of inquiries : 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 2023-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (TN)

On XX/XX/23 I looked at my consumer report and I see XXXX XXXX XXXX  self on my consumer report. I never took out a loan with them I am a victim of identity theft. I never even knew anything about this. I was in prison for several years I've already let the irs know this I also have a block on my consumer report. I do not know how this loan was obtained with out my signature and without me having a home to live in. Identity theft is a crime per 18 usc 1028 A.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Sometime around the end of XXXX there was an unauthorized person added as a joint owner to my Chase account. As I later found out, another customer with the same name as mine wanted to add their spouse to their account. However, an employee of JP Morgan Chase failed to perform a proper identity verification and added them to my account instead. As a result of this negligence, this unauthorized person had a complete access to my bank account for over 2 months. They used the account as their own, including changing mailing address, performing withdrawals and deposits, etc. Finally, over 2 months later when I noticed my statements wouldn't come in anymore, I contacted the bank and they removed unauthorized person 's access and reverted the unauthorized transactions. 

I can provide the supporting documentation upon request.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. TransUnion, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I have tried contacting EdFinancial for weeks to try and get them to cancel my consolidation loan application. Their phone wait times are over 600 minutes every time I call, no matter what time of the day it is, and their chat function does not work. Theyve not responded to my emails Ive sent either. I need this cancelled as soon as possible, or I will not be able to pay my loans.
Consumer complaint received 2023-09-07
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)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX/XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (NY)

XXXX XXXXXXXX XXXX  XXXX which is now known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what Cavalry Portfolio Services does but in this regard in conjunction with XXXX XXXXXXXX XXXX XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX of 2020 Myself and family where dealing with XXXX related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Consumer complaint received 2023-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (CA)

This was a Medical Bill of which I have Full Coverage and was Paid by my provider XXXX XXXX. The check reference # XXXX was PAID in Full to XXXX XXXX XXXX XXXX on XXXX 

However, a Collection Agency Name PLUSFOUR , INC has been trying to collect this same debt which I do Not OWE. The was PAID IN FULL By my insurance provider. So today I called XXXX to ask who they were and why they report this account to collection. They said the account was PAID and that they wanted to Charge me to have it removed from my Credit. 

Obviously, it sounds like a Scam and now I am reporting it to you the regulator.