davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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: BARCLAYS BANK DELAWARE (NY)

Starting late XXXX of this year XXXX purchases were made off of my XXXX account using my Old Navy store card that was linked to my XXXX account. I did not realize this card was still linked to my XXXX account, which was already confirmed It has been hacked confirmed by the XXXX XXXX XXXX XXXX. They confirmed this when the attempts were made on my XXXX XXXX XXXX XXXX XXXX transactions were made before I realized that my XXXX was still being used with one of my current cards still linked to it. I have contact XXXX. I have contacted Barclays Bank and XXXX to look into these fraudulent purchases, and they all keep coming back to me that they can not confirm its fraud.I was at my job at the time of almost all of these purchases. I also have not used XXXX in a long time because I have my own car now. I had asked XXXX to at least tell me where these XXXX rides were located and they couldnt give me that information so I have no idea if they were even in my own hometown. I keep re-opening the claims through Barclays bank, even though theyve came back to me several times that they cant confirm anything. 
XX/XX/XXXX, XXXX {$22.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$3.00} XX/XX/XXXX, XXXX {$19.00} XX/XX/XXXX, XXXX {$24.00} XX/XX/XXXX, XXXX {$16.00} I also dont know if it matters but the card these purchases were made on has been canceled and I have a new one.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (WI)

I need to write a formal complaint about a loan company called Check N Go. I took out a loan to help me get into my first apartment on XXXX XXXX and received a email saying that I was approved for {$1100.00} so I went in store to receive the money to start my moving process for my apartment, I was to pay it all back within 18 months or so so I wouldnt pay too much interest but around XXXX or XX/XX/2023 I lost my job and I called and notified the check n go company that I wouldnt be able to make a payment and they told me they could add it on to the next payment or take a partial payment which ever one would help so I did a partial payment, eventually I did find another job and notified them that the paydays would be different and asked if I could change the day I pay that way it would align with the day I receive my checks so I wouldnt be late I dont remember if they allowed me to do so but I made payments when i could until I couldnt because I got kicked out of my apartment and went to stay with my ex until the situation got too bad for me and I moved to XXXX , I missed payments but made phone calls to the check n go to notify them that I had moved and I wasnt bailing in paying them and around the time I moved late XXXX early XXXX I found a job and received my check which at that point in time I called check n go to make a payment over the phone for {$1000.00} to make up for the missed payments but XXXX who had given me her name kept hanging up on me when I told her I was trying to make said payments and I called multiple times off of my personal cell and my mothers phone and even left a review I only got a response once I left a review which didnt help at all and they had defaulted my account and had sent it to multiple different debt collection agencies who have now been harassing me and threatening me saying that I never tried to make a payment.
Consumer complaint received 2024-08-11
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

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
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX  of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXXXXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-27
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. (TX)

I am writing to bring to your attention a concerning issue regarding the validation and documentation practices of the credit bureaus. As a consumer, I have recently encountered discrepancies in the information provided by these bureaus, and despite requesting validation and supporting documents, I have not received satisfactory responses. 

Over the past [ mention the time period, if applicable ], I have been actively monitoring my credit reports from [ name of credit bureaus ]. However, upon reviewing the information provided, I noticed discrepancies and inaccuracies that have raised serious concerns about the validation process conducted by these bureaus. 

Despite multiple attempts to seek clarification and request documentation supporting their findings, I have been met with vague responses or outright refusals to provide the necessary evidence. This lack of transparency and accountability is deeply troubling and undermines the trust that consumers place in the credit reporting system. 

I firmly believe that consumers have the right to accurate and verifiable information about their credit history. The failure of credit bureaus to conduct proper validation and provide supporting documents not only violates the Fair Credit Reporting Act but also hinders consumers ' ability to effectively dispute inaccuracies and protect their financial interests. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that credit bureaus comply with regulatory requirements regarding validation and documentation. Additionally, I request that the CFPB provide guidance to consumers on their rights in challenging inaccurate information and obtaining the necessary documentation from credit bureaus. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective measures to address these issues and uphold the integrity of the credit reporting system.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
Loan Original amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed 30 XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.
Consumer complaint received 2024-07-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (FL)

I requested this information on XX/XX/year> and XXXX  for a payout balance so I get a quick sale on my home because they are rude and anytime you call them nothing never solve
Consumer complaint received 2023-07-24
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. (MA)

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 XXXX paty.They in fact did not come from a XXXX 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 2023-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I recently tried to open a chase bank account and was denied with the prompt we can not accept you with the information you provided us. I believe the reason I am not being accepted is because a few years ago someone used my personal info to open multiple banks account to attempt fraud, now I have issues trying to bank ANYWHERE. All I want is to be able to open a checking account.
Consumer complaint received 2024-06-24
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. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
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: CITIBANK, N.A. (WA)

On XXXX XXXX 2024 I received a text from Citi bank asking if a few transactions were transactions I authorized. I immediatley called CITI and stated no the charges were not me and they were fraud. The agent then closed that card and assured me that they would take care of it. A few weeks later they stated that XXXX of the charges for the {$29.00} was going to be credited but the charge of {$290.00} was going to be charged to me because the merchant said it was a legit charge. I was very confused as per I did not make a purchase to an auto parts store in XXXX XXXX when I live in XXXX XXXX. CITI stated because the address was correct for the charge I made this charge. However, the charge was NOT in my name nor was the address fully correct. It was not my full address it was missing my apartement number. I filed a XXXX report and also submitted this to CITI stating I did not make this charge. I also got a letter from XXXX stating that they had a XXXX XXXX on XX/XX/XXXX and this card with the fraud charges was the card I used with XXXX. I am still fighting this charge with CITI. I did NOT make this charge. It was not my name only part of my address was correct and I would like to know if they just had the card number because I had the physical card in XXXX  XXXX. It has been months now and CITI just keeps giving me the run aournd saying they are not going to credit me for this {$290.00} charge when the other one was fruad they credited right away. I have been a long time CITI card holder NEVER late on my payments. This is beyond time consuming and frustrating.XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My card was used on XXXX website and XXXX as well. XXXX was token out of my account. I sent in proof to citizens of amazing emailing me saying that someone else had used my card. And their still not wanting to give me my money back.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

This has not been addressed. I am still unable to use the card the day after he called. I left XXXX XXXX several voices mails and never received a call back. I am yet to use my XXXX Business Card, I did pay the annual fee of {$95.00} already and still am not able to use it. I've been testing a small purchase and have been denied daily since XXXX called me on XX/XX/2019. This is frustrating as this is the 2nd time I've filed a complaint and still unable to reach XXXX on his contact number. 

The company sent a letter on XX/XX/2019 " On XX/XX/2019, I replied to you advising the security hold on the above referenced accounts had been removed. Regrettably, due to an inadvertent internal error, the hold on the XXXX account was not removed. This has been corrected and verified that the security hold on the above referenced XXXX card has been removed. Due to the inconvenience, we have added XXXX XXXX miles to your account. You should see this reflected on your next billing statement. I regret any inconvenience this sitation has caused you. '' Unfortunately the hold is still active and not removed and I have been attempting to make a small purchase daily but it's still unusable at this time, the security hold is still in there. 

I am requesting someone higher than XXXX XXXX to address this matter as I was reassured on hold was removed and cards were ready to be used on two events ( XX/XX/2019 and XX/XX/2019 ). Yet I was attempting to charge the card on a very small test purchase daily since XXXX XXXX XXXX, 2019 without succession.
Consumer complaint received 2024-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

XXXXXXXX XXXX is one of the schools named in the XXXXXXXX XXXX XXXXXXXX suit. I attended XXXX and used Navient ( formerly XXXX XXXX ) private loans while attending XXXX. I recently applied for discharge of these loans based on school misconduct and Navient denied my application with no specific details on why I do not meet the requirements of discharge based on misconduct of XXXXXXXX XXXX 

I also believe that one of my private loans was misdated to outside my attendance at XXXX, resulting in this particular loan as ineligible for the school misconduct discharge.
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (DE)

Between XX/XX/2019 and XX/XX/XXXX, I received XXXX phone calls from Discover Card 's Utah call center, with as many as XXXX phone calls on Wednesday, XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX and communicated the situation, namely that the account in question is in dispute, yet I still received over a dozen unwanted phone calls. 

Accordingly, I sent a Cease and Desist letter to discontinue phone contact with me.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I have been a long time user of Paypal, but around XXXX, i received my first account permanent limitation after sending a request to verify my identity. I had contacted via messages, calls to the Customer services but didn't receive any explanation or help, i also tried emailing, talking the recommended office but to no avail. Finally, i decided to file a complaint through XXXX and they actually replied and informed me that my account limitation did not relate to Paypal User Policy and my limitation was lifted. 
Unfortunately, not long after that, another permanent ban was placed upon me just like the first time. Sadly, all the office i contacted quickly shut my request for another review down and i had to make another XXXX complaint, which lead to a reply stated that i have contacted the wrong department but they promised they will send my complaint to the relevant office but i did not hear any further reply from them after that. 
After days of reading through forums and talking to many other individuals that are also having the same situation, i made another complaint stating all the details and proofs that my account did not violate any regulations listed in Paypal 's Policy. My complaint was shut down the next day.

The department i filed the complaint to was Paypal Headquarters and i had no other choice because all the relevant office refuses the look into my case again and just quickly shut me down without any further questions. 
Without having access to Paypal, my funds are frozed and my business is being affected negatively, all because of a limitation that i have no idea what resulted it.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

Request # XXXX Wepay ( Account with Chase ) I'm super frustrated how a XXXX XXXX XXXX company like Wepay holds money, not only that they don't have customer service over the phone and they sent automated emails, they hold money without show u any policy, they don't have restriction policies and they also don't give you specifications of why it happened? 
A new wepay account, no charge backs, no dispute, how do you close the account? 
I thought I was just unlucky, but I realize reading all these comments that I wasn't. They are a simple scam, use your money in the stock market and get something back. THEY ARE THIEVES. At some point their time will come. 
They must be sued and shut down. 
We will go against you in a class action lawsuit because of you many businesses, including mine, are about to lose our houses, cars because of this dirty and malevolent move. Scam. 
How can a country like the United States allow a company to do this type of scam to citizens? 
They are white-collar thieves, damaging not only families, but companies, entrepreneurs. 
How does CHASE allow a reputable company like this to promote this type of thieves? 
Without them still being able to " interfere '', they suggest you receive money for this millionaire scam and then wash your hands I will take this and many more complaints, not only mine but a community hurt and scammed by this great company to the stay of the governed, white house and everything we have at hand as citizens of the United States to end this farce, They are miserable scammers. 
How do you hold money for 120 days to small businesses?
Consumer complaint received 2019-07-01
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

It has been well past 30 days since you have contacted this credit reporting company and they have the information to back up my claim a fraud but yet the information exist on my credit report and I am still unable to get into my retirement home due to the collections and negative information still reporting that is 100 % fraud. I have tried over and over again to contact them the originator and the collection agency and all except for this credit reporting agency has closed out the file and remove the information. Equifax And XXXX continues to carry this harmful information on my file. XXXX XXXX has requested removal now over 2 months and Equifax still keeps this negative information.