davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

So, I opened a dispute on Saturday, XX/XX/XXXX for {$1700.00} and had to call in again yesterday because I realized the person that filed my claim missed XXXX transactions for a total of {$190.00}. The representative I spoke to was unable to add these charges to my existing claim but was able to create a new claim for these charges. So the total amount of charges being disputed was {$1900.00}. There were XXXX different merchants in this dispute and from what I can tell they all seem to be some sort of game company. 

Anyways, today I received an email that both have been denied due to authorizations in the transaction activity. I absolutely never authorized these transactions. On top of that, I did not even have the correct phone number on my account until I updated it a few days ago ( Previous phone number was from when I had a credit card with capital one ). So how the XXXX did I authorize these transactions? 

XXXX out of the XXXX companies in the dispute has already refunded {$610.00} out of {$1900.00} being disputed. Clearly, they accepted these charges as fraudulent as they were instantaneously refunded!! 

I am XXXX XXXX XXXX and married and run my own small business. I can not afford to spend almost {$2000.00} at some game companies. I had a XXXX XXXX a few years back ( yes, XXXX XXXX ) and the XXXX medications I have to take are quite expensive to pay for. Not only am I dependent on this money that was taken from me but my physical wellbeing is dependent on this as well. I am sickened at how this has been handled by capital one. I called today and explained this to a representative and she was able to reopen my claim for me but as I said before I am dependent on these funds. When this claim was denied so was my opportunity to receive a temporary credit and the claim should have NEVER been denied in the first place. 

I am outraged and demand a prompt issuance of temporary credit while this claim is properly investigated this time around.
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited {$300.00} cash in the Capital One bank branch on XX/XX/year> and they did not post it until XX/XX/year>. When i look online at my transactions the date of the payment says XX/XX/year> but funds were not accessible until XX/XX/year>.
Consumer complaint received 2024-07-25
Product: Credit 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: TRUIST FINANCIAL CORPORATION (AL)

You may or may not be the proper, we are a small business, XXXX XXXX, XXXX in XXXX, Alabama. We had accepted a credit card XX/XX/year> from a XXXX XXXX for {$1300.00} in purchases at our store. About 3 months later, XXXX charged this amount back to us through XXXX, our bank. We disputed this, and they reinstated the charge, then again charged it back soon after. Their reason was it was a fraudulent card, although we were given proper authorization at the time of the transaction. We had complained again to both our bank, Truist and to XXXX arbitration but to no avail.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my student loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via myfico.com. Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Consumer complaint received 2024-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

There are multiple issues with MOHELA, I have submitted the XXXX correspondence for review XX/XX/XXXX nad XX/XX/XXXX XXXX. There are XXXX different account # on the correspondances 2.I graduated in XX/XX/XXXX and there is no additional school attendance, need the disbursement date of XX/XX/XXXX explained who signed and who received this money, again graduated in XX/XX/XXXX with no additional school attendance, I am questioning the Validity of this loan. 
XXXX. This is the big one on XX/XX/XXXX MOHELA reports amount of loan XXXX and on XX/XX/XXXX they report. XXXX how is this possible to have fees and interest for 4 months in the amount of XXXX this really needs to be explained!
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PENTAGON FEDERAL CREDIT UNION (IN)

I lost my job XX/XX/XXXX and I've made several attempts at signing up for the hardship program supposedly offered by pended credit union and they were all denied for not providing documents that they did not contact me requesting. Essentially making it impossible for me to take part in the hardship program. I had explained to the company that I lost my job and had started XXXX XXXX XXXX I made a {$500.00} payment XX/XX/XXXX and another {$100.00} XX/XX/XXXX. I had explained to the company I was submitting payments as I had the funds and they agreed and removed late fees. On Friday XX/XX/XXXX penfed credit union left me a voicemail dating they needed to speak to me about a time sensitive matter. I had planned to call them Monday XX/XX/XXXX during their business hours as they are not open on weekends. My front wheel drive car was pulled screeching by the back wheels down the road XX/XX/XXXX at XXXX BEFORE their office was even open for me to return the phone call. My car was taken with my firearm and personal belongings in it.
Consumer complaint received 2022-09-13
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. (GA)

I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA XXXX XXXX, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} DP OF XXXX XXXX Balance : {$3100.00} DP OF XXXX XXXX Balance : {$10000.00} DP OF XXXX XXXX Balance : {$6800.00} DP OF XXXX XXXX Balance : {$8100.00} DP OF XXXX XXXX Balance : {$3300.00} DP OF XXXX XXXX Balance : {$9400.00} DP OF XXXX XXXX Balance : {$7100.00} DP OF XXXX XXXX Balance : {$460.00} DP OF XXXX XXXX Balance : {$3900.00} DP OF XXXX XXXX Balance : {$1600.00} DP OF XXXX XXXX Balance : {$5600.00} DP OF XXXX XXXX Balance : {$8300.00} DP OF XXXX XXXX Balance : {$6700.00} DP OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section XXXX. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I made an error and accidentally transferred money from my Venmo account to an old, now closed bank account on XX/XX/XXXX. I caught my error quickly but it was an instant transfer and I was told nothing could be done until the bank bounced it back during business hours. I called the following Monday, XX/XX/XXXX and they had rejected the money and sent it back to Venmo. It is now Monday XX/XX/XXXX and my {$610.00} is still not returned to me in my Venmo account. Their customer service has been completely unhelpful. I dont know what to do
Consumer complaint received 2024-08-11
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 (CA)

Hi CFPB, On XXXX, XXXX, 2024, my card was charged by a company in XXXX, but i have been back to XXXX for over 3 years, i will attach my XXXX travel history in attachment. It is absolutely a fraud activity. 

But the wells fargo refund me for one transaction but not the other one. I don't know why, the two transactions happened in the same day in five minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the fraud department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

Sincerely
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

Aidvanatge is the current services for my loans. I applied for my SAVE plan on XXXX XXXX on XX/XX/23 and was told to do it again on XX/XX/23 and XX/XX/23. All documents have been submitted and I have callers over 100 times to try to get answers and all I am told is it will take 10-15 days to process. I have been cursed out and hung up on and talked to rudely by the customer service representatives and have yet to have my payments updated to reflect the new payment plan. I have been repeatedly been told the issue has been corrected but it has not.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sarma (MI)

I am writing to formally file a complaint against Sarma Collections , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c, in relation to an alleged debt concerning a credit card account with XXXX XXXX XXXX. 
Details of the Violation : Creditor : XXXX XXXX XXXX  XXXX : {$38000.00} Collection Agency : Sarma Collections , Inc . 
Account Number : XXXX Description of the Violation : Sarma Collections , Inc. has engaged in practices that violate USC 1692c , which governs communication in connection with debt collection. Specifically, they have : Communicated with me at an inconvenient time or place, despite being informed that such communication is not acceptable. 

Continued communication after receiving written notice that I refuse to pay the debt or wish to cease further communication. 

Disclosed information about my debt to third parties without my consent. 
These actions are not only harassing and abusive but are also in clear violation of federal law designed to protect consumers from unfair debt collection practices.
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies (FL)

Subject : Dispute of Collection Attempt for Repossessed Vehicle I am writing to dispute the collection attempts made by your company regarding the outstanding balance on the vehicle that was repossessed and subsequently sold. The harassing nature of your collection attempts is causing me undue stress and XXXX. 

It has come to my attention that the vehicle in question was repossessed and sold by your company. According to my understanding of the laws governing such situations, the proceeds from the sale of the repossessed vehicle should be used to offset the outstanding balance on the loan. Any remaining amount, known as the deficiency balance, is what the borrower is typically responsible for paying. 

I request that you provide me with a detailed breakdown of the sale of the vehicle, including the sale price, any associated fees, and the calculation of the remaining balance. I believe that the amount you are currently attempting to collect from me does not accurately reflect the deficiency balance after the sale of the vehicle. 

Furthermore, I would like to bring to your attention that the constant communication and pressure from your company constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that you cease all communication with me until this matter is resolved appropriately. 

Please provide me with the necessary documentation to support your claim for the full amount and an explanation for the discrepancy between the sale price of the vehicle and the amount you are attempting to collect from me. 

I expect a prompt response within [ specify a reasonable timeframe ] days of receiving this letter. Failure to provide the requested information may result in further action on my part to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to resolving this dispute in a fair and amicable manner. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (WA)

On XX/XX/XXXX I changed my payment method to my XXXXXXXX XXXX  checking account. My payments are auto-paid on the fourth of each month. The payment was taken out of my checking account causing my account twice to be charged XXXX each time. There was no money to cover that second withdrawal amount. I was told that they would not refund me my XXXX a cause which they created by attempting to take a second payment after my first payment had been auto-paid on the fourth. The agent told me my next payment would be XX/XX/XXXX, because they had taken it out., if what the agent told me was not true was my payment not auto-paid for XXXX?, they contacted me to tell me on XX/XX/XXXX that my account was past due, so I paid. I want my XXXX refunded back to me not credited to my account.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used but 5r 6 different financing institutions r leanders without my consent an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2024-08-19
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was granted a one time forgiveness for a late payment that was posted on my credit XXXX credit card XX/XX/2021. We have tried multiple times with my credit card company to have the credit reporting agency to remove the late mark and they have not done so, I also have a letter from my credit card company stating the remark is supposed to be removed
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-10
Product: Credit 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)

I lost my wallet in early XX/XX/XXXX and didn't realize that my credit card was being used for purchases until XX/XX/XXXX. I contacted Discover 's credit card fraud department to dispute the charges, but they found no evidence of fraud. However, the charges were through a XXXX account not under my name or address, but they refused to investigate that XXXX and instead investigated my XXXX account and not the one doing the fraudulent purchases. I have undergone fraud investigations for these charges on three separate occasions, with my last in late XXXX XXXX, but have received the same response that no fraud was detected. I have also filed a police complaint with the XXXXXXXX XXXX XXXX, California, and Discover still said no fraud was found. They keep saying that since I made a credit card payment and purchase, it negates the fraud. However, I never knew my card was being used until I started to look at the account statements.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/year> XXXXXXXX XXXX XXXXS ( Bank ) XX/XX/year> XXXX
Consumer complaint received 2024-08-10
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.