davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (VA)

On the night of XX/XX/XXXX, I initiated an ACH pull to my Crypto.com account from my XXXX XXXX account. The fine print said it could take UP TO SEVEN ( 7 ) DAYS, not a hard seven days and not business days. 

The funds were pulled from my account on XX/XX/XXXX. After 3 days, I started trying to withdraw the XXXX I purchased. After five days, I reached out to get an idea when the funds could be expected to clear. I was then told that it shouldn't clear until XX/XX/XXXX. 

That's not seven CALENDAR days as the fine print said it could take UP TO. 

Not only did they fail to address that it never says BUSINESS days, but it does say UP TO, which implies it doesn't NEED to take seven days. 

I've chatted with them in their app at least three times and even had my husband post about the experience on XXXX. Their support account acted like there was something to research for a different result, despite all the hey details being in the tweets. 

On top of that, they had left my chat history in a state that blocked me from opening a new chat for days, which is why I had my husband share it with the world.
Consumer complaint received 2024-07-23
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. (MI)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-08-08
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (CA)

XXXX claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX Pay Line of Credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 
I have contacted the credit agencies as well as XXXX directly with no resolve. 
My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 
In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 
I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 
XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 
I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 
Please let me know when and how we can rectify this. 
Thank you, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - I contacted Chase Fraud Department to report multiple unauthorized fraudulent charges on my Chase credit card ending in " XXXX '', and that this card was no longer in my possession as well as my US Passport and XXXX Driver License that were also stolen. These fraudulent charges are too numerous to enumerate in this description and span across the months of XX/XX/XXXX through XX/XX/XXXX. Chase agents have however made cursory analyses and stated these amount to approximately {$10000.00} in unauthorized charges. 

XX/XX/XXXX - I received a letter from Chase ( SEE ATTACHED ) stating general actions taken. It is worth noting that this is the only letter from Chase I have received as of today XX/XX/XXXX, which does not even illustrate a complete accounting of all fraudulent charges, which would have greatly assisted me in providing CFPB with a more accurate figure of charges. 

XX/XX/XXXX - Despite me providing them REPORT NUMBER : XXXX ( SEE ATTACHED ) with my local police department, XXXX XXXX XXXX Police Department ; providing them updates on the due diligence I did reaching out to merchants involved in these unauthorized transactions whose contact info are available thru chase ; and providing them phone and email accounts of what had transpired, as well as clearly and validly establishing ( via email and phone call ) that the card in question was no longer in my possession and was used fraudulently, Chase Fraud Team still notified me that the temporary credits they implemented on my account will be lifted and charged back to my credit card permanently. They did NOT provide substantial, definitive and clear explanations as to why they deemed me responsible for more or less {$10000.00} worth of charges, and only resorted to speculative arguments such as me not reporting these charges sooner. Needless to say, I am appalled and I find this ruling unacceptable, especially for that astonishing amount of money I do NOT have. I have pleaded over the phone for reconsideration and recommendations on how to further establish my non-responsibility over this gross amount of fraudulent charges, but the agent simply stated that I could " pay it over time '' which is insulting and not at all helpful.
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

Navient is trying to collect payments for XXXX and XXXX, 2022, while my loan has been transfered to XXXX, where no payments are due until XXXX, 2022.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I obtained a " credit card '' to pay for tutoring services through Comenity Capital Bank. I received the first billing statement after the first due date for payment. When I attempted to create a new account in order to make payments, I was unable to actually set up an account because it required the full account number. I called the helpline and requested that the credit card be sent to me and was informed that it was a " cardless credit account. '' When I asked how I was supposed to obtain the full credit card number, they explained that the full number was printed at the bottom of my statement. I then went to their website to again try and set up an account and the website said I needed to call back in to validate my account. When I called back, they said they could only validate my account with my cell phone number and email address. I provided my cell phone and said that I did NOT consent to autodialer or text messages. I was not able to actually verify my account unless I agreed. To make matters worse, I was told that I would not be able to set an account for ten days, making my payment even later than it already was due to the very tardy statement. My only option was to make a phone payment for which they charge a fee. Otherwise, I could make a very late payment, which would result in both losing the interest-free option provided when I obtained the credit and having a delinquency reported on my credit report. 

Finally, while their recording and statements indicate that you will be charged a fee if paying over the phone, when my husband made a phone payment, they never actually informed him that they were charging him a fee. 

I am concerned by a number of issues here, most predominantly of which is the fact that they appear to design their repayment process in a way that will either generate a fee to make a phone payment or to cause late payments, resulting in a late payment fee and loss of the interest-free option on their cardless credit card. This violates more regulations than I care to state at this point.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (GA)

I am writing to inquire about the legality of the interest rates being charged by a particular company. They are offering a {$1200.00} loan with an APR of 669.2 %. The finance charge amounts to {$5700.00}, resulting in a total repayment of {$6900.00}. This appears to be both illegal and unethical according to government and regulatory standards. Given the current economic climate and the financial strain on U.S. citizens, exploiting consumers in their time of need is particularly concerning. I strongly urge a comprehensive investigation into this matter to ensure compliance with applicable laws and the protection of consumers.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from Bank of America reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have 4 missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and Bank of America has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX I had fraudulent charges in my checking account with Huntington bank. There was 4 charges that were pending, but I was able to call a hotel and get that charge reversed on my own. The remaining 3 charges were reported to the fraud department and they gave me provisional credits for all fraudulent charges that were pending, except 1. It is now a month later and the bank is still giving me the runaround as to why they did not credit my account with the remaining {$150.00}. I have called at least 5 times, and physically stopped in to my bank. No further information has been given to me, and they keep telling me to call back after 1 weeks time when I I call them.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I've been trying for months to get a debt collection from XXXX XXXX  XXXX removed from my credit report. The original debt was to XXXX XXXX, and went into default in XX/XX/XXXX. At some point, the debt was sold to XXXX XXXX  XXXX. The debt is now over seven years old, and I keep asking to have it removed from my Experian credit report, but they keep declining to remove it, without providing any proof. I can not contact XXXX  directly due to their history of fraudulently extending debt reporting based on even a phone call to them. Indeed, XXXX  continues to retaliate to my disputes- they now report that the debt started in XXXX, without providing any proof. 

I can no longer access my credit card statements from XXXX XXXX, but I have attached two " nag '' emails, indicating that my account was past due in XXXX.
Consumer complaint received 2024-07-22
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-22
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)

unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

XX/XX/2024 XXXX XXXX XXXX. 
{$660.00} Filed dispute health insurance covered charge. Dispute was denied immediately with out letting me send documents to show health insurance coverage the payment
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (GA)

I have a Credit Card with Avant. I have always paid on time. I am retired and receive funds on the XXXX of the month. And I always pay when I get money. However, I made my XXXX payment, and my XXXX payment on the XXXX. I received an email that I was being charged a late fee for not paying my XXXX payment. 
I called and was informed that I could not make my payments before the due date of the XXXX. If I did they would be applied to the previous month. 
This is what they did with my XXXX payment, applied it to the XXXX payment, which I had already paid. And I received notice that I was overlimit and that I would be charged a late fee of {$25.00}, which I told them I would not pay because my payment was made on time and before the due date. 
I am quite sure I'm not the only person that they are taking money from. If it was where I could, I would pay them off. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

XX/XX/XXXXXXXX XXXX Amount {$300.00} Dispute filed XX/XX/XXXX XXXX Amount {$270.00} Dispute Filed XX/XX/XXXX XXXX Amount {$280.00} Dispute filed XX/XX/XXXXXXXX XXXX Amount {$310.00} Dispute filed
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

XXXX/XXXXXXXX XXXXXXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another Account.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (NC)

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in thXXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXX AM - XXXX XXXX XXXX. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank XXXX loan was part of the {$900000.00} PNC Bank XXXX XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : XXXX. ) I was responsible for the SCAM/FRAUD XXXX. ) PNC Bank refused to apologize for the SCAM/FRAUD XXXX XXXX ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money XXXX. ) PNC Bank refused to acknowledge that an XXXX of irregular activity occurred XXXX. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts XXXX. ) PNC approved the International Wires sent to XXXX XXXX  and XXXX, possible Terrorism ( This is a Federal Offense ). XXXX. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AZ)

on XX/XX/year> there were 4 transaction made on my account that i didnt make or authorize 2 charges for XXXX ea and XXXX for XXXX ea i made a transaction or {$100.00} that morning around XXXX and i had to have the customer service help me because i couldnt see that well shortly after that i was taken to the XXXX  i arrived at the XXXX  at around XXXX XXXX  i was signed in at XXXX XXXX  i was there till after XXXX XXXX  then went to the pharmacy then home these XXXX transactions were done between XXXX  and XXXX XXXX  i have proof that backs up that i was in the XXXX  at the time venmo denied my claim even my appeal because they dont want to admit they were wrong i can prove i wasnt around the atm they say i used i cant be in 2 places at one time, this has been a big problem i didnt even know these transactions had taken place my venmo mobile app wasnt working it didnt alert me to any transactions after getting home from the pharmacy i made a transfer from my venmo account to my pay pal account i sent it to the wrong account by mistake but i got that taken care of cause i knew the person they refunded my money but my app wasnt letting me see my transaction history or balance so i sent message to venmo and asked them about this they responded to me the following morning thats when i was made aware of these 4 transactions i file dispute right then i also cancelled my card and ordered a new one i told them that i was in the hospital and that i had not been able to find my card or my receipt and still has not been located to to this day at the time of my dispute i didnt have all my paper work they denied my claim and my appeal and there reasoning doesnt make sense i will send a copy of there decisions i hope you can help this is frustrating because it seems now they are messing with my account becaus its constantly being frozen and im not able totransfer funds to accounts i had no problem transfering to before they have been holding my funds for days at a time and they just keep making up excuses i will send all my papaer work that i have
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

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.

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.