davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OR)

I called Citi bank and advised them that I made two payments in XX/XX/2020. I learned that I was being scammed and I requested to have the bank transfers reversed and put the money back into my account. I also gave them my report number of XXXX with the Federal Trade Commission. 

I paid {$9000.00} on XXXX2020 and I also paid {$4800.00} on XXXX2020. I spoke with XXXX at XXXX. A week later she told me that they had sent an inquiry to XXXX XXXX, but there was no reply yet. I also filed with ic3.gov ( FBI ). 

Why can't Citi just pull back the transfers for both of my payments now that I had reported the scam?
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (FL)

On XX/XX/XXXX, I purchased equipment from someone via Cash app for {$100.00}. After a while I suspected that I was being scammed and in my attempts to reach out to the merchant I was then blocked from getting in contact with them. Therefore causing me to believe that he didnt even have intentions of shipping the item to begin with. On XX/XX/XXXX, I filed a claim for such dispute and was guided to go about doing so through the XXXX  XXXX XXXX app. After doing so on XX/XX/XXXX, I received a confirmation email from XXXX  XXXX XXXX claiming that they have already gone about disputing such transaction with the merchants bank and that I will not have to do anything on my end. Then on XX/XX/XXXX, I received an email now claiming that since Cashapp is a third party application they can do nothing on their side at this point, resulting in a chargeback on my account of - {$100.00}. As of now I am stuck in the negatives and even with my countless efforts to reach out to Cashapp and XXXX  XXXX XXXX, all I receive is a constant runaround and it is completely unfair on my end.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is XXXX, as I was affected by a XXXX XXXX XXXX when I applied for a credit card back in XXXX. Second, XXXX XXXX XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the Equifax XXXX XXXX that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX XXXX XXXX XXXX XXXX has XXXX informed to a XXXX XXXX with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX XXXX card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the Equifax XXXX XXXX and the XXXX XXXX XXXX from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX and XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the Equifax Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims XXXX from the Equifax Class Action Settlement. I am seeking punitive damages due to the inaccuracy of XXXX ) invalid, not applicable denial reasons that do not apply to my credit history since these XXXX data breaches still have NOT BE RESOLVED of an unspecified amount.
Consumer complaint received 2020-11-02
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: Navient Solutions, LLC. (CO)

I consolidated my student loans years ago. These old Navient loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( XXXX, XXXX, XXXX  ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old Navient loans ... .That are paid!!!
Consumer complaint received 2021-01-03
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: SYNCHRONY FINANCIAL (IL)

Numerous complaints have been filed in reference to two ( 2 ) charges with XXXX XXXX XXXX, a mobile cellular service company. I've got a PLETHORA of documentation, dates and times in reference to two ( 2 ) charges that have been opened, closed, reopened, closed an reopened multiple times due to the timetables set by the internal fraud department at Synchrony Bank, not allowing me to fill out a formal affidavit in a timely manner. 

Just today, I wasted another roughly thirty ( 30 ) minutes of my time in reference to two ( 2 ) charges from XXXX XXXX XXXX that was billed as XXXX on my account, a company I've been personally been investigating for over five ( 5 ) years. 

Unbeknownst to myself, a charge was made on XX/XX/XXXX to open the account for XXXX, as well as XX/XX/XXXX for XXXX with the merchant/bank as XXXX. I've filed NUMEROUS fraud complaints against these charges and as stated above the case was opened and closed multiple times due to paperwork arriving late and Synchrony Bank closing out the case without allowing me to state my case. 

In a document ( coded XXXX ) received electronically via email DATED XX/XX/XXXX a " Claim Review Completed '' document was received that stated - " The Synchrony Fraud Team reviewed your claim and is unable to approve it for the following reason ( s ) : X You authorized, participated in, or benefited from the purchase. 

The documentation I was waiting for to fill in a formal affidavit was coded XXXX XXXX XXXX ( XXXX ), dated XX/XX/XXXX and received AFTER their fifteen ( 15 ) day timetable as referenced in their letter even though the letter explicitly states " Please note : A fraud investigation can take up to 90 days. You will be notified by mail withing 7 to 10 days of the case closure. '' Everything done by Synchrony Bank is FRAUDULENT in nature with the reasoning for the formal complaint as I've spent hours and hours and hours on this to no avail.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This account is not mine I ask this company to send contracts and documents with my signature on it and they can't provide. I also ask for date they purchased debt, How much they purchase the debt for and all sign documents with my signature also there license to collect this debt and they can't provide me. This is a violation to my consumer rights also a violation of law and illegal.
Consumer complaint received 2020-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX of 2020, I filed a claim with Bank of America about the scam using XXXX to send {$190.00} for a product but I never recieved. They denied my claim and took back credit, they refused to do further research. I contacted XXXX  countless times but they refused to help. Please help me to bring justice
Consumer complaint received 2021-01-03
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (TN)

Good afternoon, I am currently banking with Navy Federal Credit Union and recently I lost my credit card and between XX/XX/20 and XX/XX/20 there were 4 charges totaling {$7000.00} charged on my card from " XXXX. '' I did some research and found out that this is a virtual currency transaction site and I attempted to contact the merchant but was unable to get a hold of anyone. I filed a fraud claim with NFCU for the above amount and for some reason it was denied. I appealed the decision to them and again they denied the appeal and did not give me a reasoning. I am insanely frustrated with it because I do not have the money to cover these charges nor did I even make them in the first place. I wanted to file a complaint with CFPB to see if there is anything else that can be done. Thank you in advance and I look forward to a response.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

This complaint is against Experian, XXXX  and XXXX  Credit Reporting Agencies for violation of the Consumer Credit Protection Act. The Consumer Protection Act requires all three credit agencies to review my credit history to determine if a raise in my credit score is required. A Bankruptcy was listed on my credit report from XX/XX/XXXX to XX/XX/XXXX which lower my credit score. As verified by my credit report for this 10 years I have a maintain a Exceptional Payment History for all of my accounts however credit score remained the same. Experian lowered my score 14 points from XXXX Good to XXXX Fair the rest did nothing. I have received as answer from XXXX  informing me this information was removed from my account, XXXX  haven't responded.
Consumer complaint received 2020-11-01
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. (IL)

On XX/XX/2020 I disputed an account ( XXXX Bank ) In the results of your first investigation, you stated in writing that you verified that this item ( XXXX Bank ) is being reported correctly? with SEVERAL INCONSISTENCIES ( shown in an attachment ) reported on this account how could you have verified it with having so many inconsistencies? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that Transunion & XX/XX/XXXX provide me with competent evidence such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/2019 i switched bank accounts and forgot i had to add my new debit card information to my credit account and missed a month and halfs time of payments. once realized i quickly resolved the issue and have been paying on time like usual ever since. i would like to have the late payment removed for my reporting history
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I moved from XXXX NY to XXXX XXXX.In XXXX I did a cotrract with XXXX XXXX XXXX XXXX XXXX NY ( a FL Co. ). On XX/XX/XXXX XXXX XXXX XXXX Lines caller said they would deliver my furniture & belongings to XXXX XXXX XXXX XXXX XXXX TX on XX/XX/20. That day, my daughter XXXX XXXX XXXX XXXX XXXX took me to the Chase Branch in XXXX where I had a cashier 's check for {$6200.00} made to XXXX XXXX XXXX XXXX. On the XXXX I presented the check to the mover & he immediately sent a photo of the check XXXX ( he said ). When they replied the moving man said the checked had to be changed to XXXX ( a NJ Co. ). My daughter and I went back to Chase. The teller XXXX XXXX said he cancelled the check, redeposited the money in the account and issued me a new check.The following week I learned I was deficient in the account by {$4400.00}. On that Friday XXXX I went to the XXXX branch, was redirected to the XXXX XXXX XXXX XXXX XXXX XXXX. There I explained the dilemma and the associate said she saw that someone had debited the returned money ( duplicate adjustment? ). She attempted to make an adjustment. At XXXX my daughter came to take me back to XXXX. The associate said she would call me the following Monday or Tuesday. When she called she said the adjustment couldn't made and Chase had no liability. When I got the statement I could see that there was a duplicate debit item, but had no idea what it meant. On Thursday XX/XX/XXXX my daughter called XXXX and asked if they had received a check and was told they had no record of receiving it. I logged on to the Chase complaint and filled a notice. We then called Chase Corporate and asked for an explanation of the " duplicate item ''. We got no reasonable answer. We explained the happenings and was told that the associate could make an adjustment but when she transferred the call the associate paused and then terminated the call. We immediately called back during that conversation some man said the {$6200.00} check had been cashed at XXXX XXXX XXXX. We questioned that as that check was supposed to be cancelled. Nobody answered our question. I have no dealing with XXXX XXXX being from the XXXX my whole life, except 9 years in North Carolina in retirement with XXXX XXXX.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I bank with US bank. I get a direct deposit bi weekly. My money I was told is directly accessible once deposited. 
My deposit was sent on XX/XX/20 and received in the account on XX/XX/20. My deposit was for {$1100.00}. Plus I had like XXXX in the account as well. 
Saturday XX/XX/20 my wife and I went had a dinner drinks and went to the movies we spent about {$120.00}. Plus fast food for XXXX  bucks. 
Sunday XX/XX/20 I purchased these items Gas XXXX XXXX  for XXXX Firewood XXXX So Sunday goes into Monday XX/XX/20 and I went to work I ordered a energy drink from the vending machine XXXX bucks. Prescription medication {$21.00} Its tues XXXX XXXX XX/XX/20 My account balance is XXXX I XXXX my landlord XXXX at XXXX leaving me a balance of XXXX  bucks. Ashamed I ask family member to XXXX  me XXXX and they send it to me at XXXX. So my account should be XXXX. At XXXX that day I got a notification that I was at a balance of XXXX. Then another for -1. Then another for XXXX..all the notifications are at XXXX. So I look and my account is crazy overdrawn XXXX and my XXXX is still pending for XXXX and the XXXX XXXX XXXX went into my account and the transactions are all out of order and my account itself is totally different from what it looked like Tuesday XXXX XXXX  and also some transactions were not there yet but I got notifications that the transaction happened. I got 6 overdraft fees and my transactions were deducted all out of order my XXXX XXXX was done last. I called the bank I was told I was overdrawn on Sunday. Then I went to the bank and was made a fool of when I showed all the inconsistencies from their online banking to the notifications and balance alert notification. All failed. They gave me a paper to explain it all..and it didnt. 
On Sunday I went from XXXX to XXXX with out explanation. Some more transactions are done dropping it more with 4 overdraft fees then on XX/XX/XXXX..My account is at XXXX overdraft fees are deducted plus another two more are added on top of those. At the the end Im XXXX ..I need some help please and they have done this multiple times. Im not rich and have a family to support. Thank you in advance.
Consumer complaint received 2020-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/XXXX I contacted PennyMac via their Message Center with my concern that the XXXX for XXXX was incorrect. The document indicated the real estate taxes paid were {$950.00}. I requested a full analysis of the taxes paid and what was reported to the Internal Revenue Service. 

Within a few hours, I received a response from a PennyMac representative. The representative addressed me by my first name. I was somewhat surprised by the assumed familiarity. In most cases, if I am participating in a conversation ( spoken or written ) with someone and they address me as Mr. XXXX, I am more than likely to say " please, call me XXXX. '' But in this instance, the representative felt comfortable enough to call me by my first name. To me, this is inappropriate and it is not acceptable to me. 

The representative went on to say that you all are not required to report to the Internal Revenue Service any amounts deemed " special assessments. '' In XXXX, these are sometimes referred to as the MUD tax or Municipal Use District tax. This particular tax is used to pay for the bonds issued to finance projects to maintain and operate the district. This includes the infrastructure for water, sewage and drainage. Although your representative indicated these monies are also used to cover the cost of trash collection and water usage. This actually is not the case in the City of XXXX. I pay a monthly fee to the City of XXXX  for Water and sewage. Further, the City of XXXX  does not charge residents for trash collection. The latter has been a constant topic of debate as the City grapples with challenges associated with being one of the largest metropolitan areas in the nation. Recently, the city began collection a monthly cart fee, approximately {$.00} per month to cover the cost of the trash carts. 

I replied back and again questioned the amount that was reported to the IRS. My XXXX Property Tax Statement from the XXXX County Tax Assessor- Collector shows {$3400.00} was paid to XXXX XXXX as Tax Assessor-Collector. I reached out to PennyMac again on XX/XX/XXXX. As of the writing of this complaint, I have not been given the courtesy of a response. Unfortunately, what has been my past experience is that I've received substandard customer service from one or more representatives. I then file a complaint with the Consumer Financial Protection Bureau. Shortly after that I receive a call from someone who works in more or less an Executive Customer Service role and the matter is resolved. What I don't understand is why does it even have to go that far? 

It has also been brought to my attention that I paid tax {$2500.00} in XXXX because PennyMax failed to collect the correct amount during XXXX and XXXX. This resulted in my mortgage being raised by a significant amount. It appears that money was then refunded to PennyMax. I believe that money should have been refunded to me.

Thank you for taking the time to review my concerns. I look forward to hearing from you soon.
Consumer complaint received 2021-07-14
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-01-14
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. (LA)

I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I mailed in a letter XX/XX/2020 asking Comentiy Bank to remove late payments posted on my Victoria secrets account for the following months : XXXX and XXXX of 2020. I was affected by Covid-19 and where unable to make on time payments, due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (FL)

Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, XXXX found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent Equifax and XXXX as well as XXXX and XXXX is the only company to remove the filing. Still waiting on Equifax and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by Equifax, XXXX and XXXX. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, Equifax and XXXX need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.