davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I applied for the Public Service Loan Forgiveness Waiver program in XX/XX/XXXX. My non-profit former employer submitted several erroneous employment verification forms but eventually submitted an accurate one in XX/XX/XXXX for dates of employment XX/XX/XXXX, XXXX XXXX, XXXX. My loans were transferred from XXXX XXXX to Mohela with an incorrect qualifying payment count of XXXX when I am well over the required XXXX and am entitled to a refund of over {$9000.00} for the XXXX additional payments I have made. I resubmitted the PSLF waiver application with correct signed employment verification form dated XX/XX/XXXX after the loans transferred to Mohela and my qualifying payment count remained at XXXX. It has been exactly 91 days since Mohela confirmed receipt of the application while the form continues to be " processing ''. Calls to Mohela with hold times greater than 2 hours supply me only with confirmation of receipt and processing.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Financial Corp. (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-05-08
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: Avant Holding Company, Inc. (AZ)

My credit card was stolen at the end of XXXX, XXXX. I called Avant to inform them that there were unauthorized charges and my card was compromised. They agreed to dispute the charges and send a replacement card. I received my replacement card. The charges, however were not disputed. I sent a letter in XXXX as well with a copy of the police report to the billing dispute address in my cardholder agreement ( XXXX, IL ). I followed up on XX/XX/XXXX as to why the charges still appeared on my account. The representative informed me that the dispute was denied because they did not receive my letter and they had tried to contact me to request additional details but I did not answer the phone. Although I did miss their call, I disputed the charges when I initially called and by mail.
Consumer complaint received 2023-12-05
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. (AZ)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I purchased ticket insurance for an event and due to the death of a loved one I could longer attend the event, I uploaded a death certificate to the insurance company and they told me this wasnt sufficient evidence to get a refund so I tried for the past 3 weeks to file claims with my bank and they wont dispute the {$1100.00} for the ticket only the {$62.00} for the insurance I have tried uploading documents to Wells Fargo they denied my claim twice once over the course of a week I waited for a claims assistant to reach out to me for documentation as instructed nobody reached out just closed my claim, second time this past Monday XX/XX/year> I called finally got an email uploaded my documents and they closed the claim again before the documents even uploaded today on XX/XX/year> Wells Fargo told me they couldnt go after my money I feel betrayed I feel like my bank doesnt care about me as a customer I feel ripped off by the event holders and the insurance company the event takes place on XXXX I can not attend insurance is no help and the policy is only good until XX/XX/year> I need help please. This insurance company XXXX already has lawsuits against them I was unaware of until I was put in this debacle and my bank still says theres no recourse available to me.
Consumer complaint received 2023-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union is trying to collect on a national grid bill I never order. I have No knowledge on what property this national grid bill is suppose to be on. If you look at my credit report I have 100 % on time payments. 

Someone used my name to access this account in my name. 

They are still holding me responsible when it is not mine debt!!!!!!
Consumer complaint received 2023-03-21
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. (PA)

I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

None of these accounts belong to me XXXXXXXX XXXX XXXX  XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants
Consumer complaint received 2023-08-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
Product: Credit reporting, credit repair services, 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. (AL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran a hard Inquiry on my credit without discussion or authorization. I engaged them and they provided an email that says the issue has been resolved, but it is still showing on all my credit reports. I'd like to see the attached document sent to all three credit reporting agencies.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MI)

Diversified Consultants calls me, on the average, once a weekday. 

I am 100 % debt free. I do not owe any money to any entity. I know this because it is a recent achievement, a very deliberate financial state on my part, and something I take pride in. My credit reports contain XXXX derogatory marks, 100 % of payments are on time. 

The organization contacting me has used different numbers at different times. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 
XXXX on XX/XX/2018 at XXXX EDT. 

This has been going on for longer than the dates mentioned and I can provide additional dates and times of unsolicited phone calls if necessary. 

They do not ever leave a voice mail requesting a call back. I have not and will not answer any number that looks like the numbers above. But if I call any of these numbers back, I get a recording from Diversified Consultants that says to press XXXX to make a payment. I am not making any payments to this organization ever, as it is a fact that I currently do not have any debts. Whatever their reasons are for contacting me must be incorrect, but I grow weary of these daily suspicious phone calls with no voice message left.
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

American Express addressed none of my concerns in my previous complaint. American Express has discriminated against XXXX XXXX and committed securities fraud. I plan to litigate. 

American Express claims that I did not achieve an appropriate score to receive a credit card. This is a violation of the Equal Credit Opportunity Act 12 CFR 1002.9 b 1 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 

American Express ' prospectus states " XXXX scores are based on independent, third-party information, the accuracy of which we can not verify '' A consumer 's credit report should not be used as a negative factor in evaluating a " creditworthiness '' 12 CFR 1002.4 ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

We have performed a consumer credit transaction as I have provided AMERICAN EXPRESS with a Financial Asset in accordance with the Federal Reserve act and the code of Federal Regulations. Whether or not American Express has used my application to gain funds, The application provided to American Express is a financial asset. 

12 USC 1431 - Banks are the borrowers. American Express has borrowed my application, and is denying my business valuable consideration. Fraud
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

I was contacted by someone personating as XXXX support supervisor and said my phone was being hacked and that I needed to take precautions are my phone was fixing to get cut off if didnt comply and they was going to call the police because I was jeopardizing their company and they scam me out of {$1600.00}
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (SC)

I have requested that the company cease and desist all communication the company is not authorized to collect a debt from me I do not own a debt with them! The refuse to stop reporting on my credit. I have revoked all right for them to communicate with me.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (VA)

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. Jefferson Capital System LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are causing me economic hardship. 
In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX American Express gift cards one is {$700.00} and the other is {$200.00}. I tried using them online at XXXX  and they were declined. I tried using them at XXXX they got declined. I went to XXXX to buy gift card and the same cards got declined. I called the customer service, they said the cards are active should be working and I should be keep trying on different merchants until somebody accepts the payment. I called XXXX customer support and they said the reason it might be getting declined is the card info doesn't have name and address and asked me to call American express to add that info. I called American Express and they said these are anonymous cards and they can't add name and address. So I am stuck with {$900.00} total gift cards from American Express that I can't use anywhere.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Bank has raised their APR to 34.99 %. On top of that they will charge an 2 % on promotional transactions. So if they advertise 0 % interest for 48 months it really isn't. Also charging {$1.00} monthly if you want a paper statement.
Consumer complaint received 2023-10-16
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. (NY)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (FL)

I'm tired of going back and forth with this company. I keep requesting the payoff amount in writing, not email. The customer service is horrible. I'm tired of getting different payoff amounts. First, it was {$1600.00}. Then it went to {$240000.00}. I called the customer service line to request a letter to be sent to me about the debt, not an email. I asked the customer service representative for the payoff amount because it keep changing. She said it was for {$2400.00}. I said I thought it was {$1600.00}. She said no it's {$2400.00}. I'm tired of not receiving the debt in writing and the different payoff amounts. Now I receive yet another email saying they want the balance in full which is {$8100.00}. Then another email the next day for the payoff amount of {$1600.00}. I called in again to see if I could make payments toward the balance and they refused to work with me. I don't go by email, it could be anyone. I want the debt in writing with the company 's letterhead to be mailed to me. They need to make up their mind about how much they want me to pay. I can not pay the amount in full at one time, I can make payments toward the balance, but which one?
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc. (TN)

I had {$2000.00} in my cash app account on XX/XX/XXXX cash app remove the money from my account and sent it to the New York XXXX XXXX XXXX. Contacted The original debt collector XXXX XXXX XXXX XXXX I since called them for them to return my money and they said they returned it to the new XXXX office in the XXXX office said they returned it to Cash App and Cash app refuses to give any life support or any phone number. Everything is done via messenger on the app Im looking to get my {$2000.00} back that they fraudulently took
Consumer complaint received 2018-08-09
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. (NY)

As a consumer on multiple instances, I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have repeatedly asked for evidence to support their reportings, but yet again they have failed to provide me with a copy of any viable evidence submitted by ( XXXX ) and ( XXXX XXXX ) substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). and allowing the negative items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX Account # XXXX as well as XXXX XXXX Account # XXXX. And XXXX  XXXX XXXX Account # XXXX, as well as XXXX Account # XXXX, are all in violation of the FCRA ... 

I have sent certified mail to the credit bureaus named Experian and XXXX 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

I received my state taxes. But when my federal taxes tried to deposit chime said that my identity was not verified so they denied my deposit and sent it back to IRS. Chime has since delayed my federal tax returns totaling in XXXX between the dates of XX/XX/2024 to XX/XX/2024. I have not received my funds and I'm still waiting. I'm soon to close out my account because I think they are scamming me. This is my first time depositing it into Chime. I want to know where my money is.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (OH)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) and on XXXX its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX XX/XX/year> I wire XXXX XXXX to a business with chase bank, in XXXX XXXX I wire XXXX XXXX to a business with chase bank, in XXXX XX/XX/year> XXXX wire XXXX XXXX to a business with chase bank. Chase bank close all my accounts with them said I have a risky behavior they were going to investigate.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (TX)

My credit was stolen and used in a different state last year. 
I had a XXXX XXXX credit card and been with them over 10 years. Never missed a payment. Always in good standing state. 

Then my card got stolen and some one from different state used it and purchased over XXXX $ worth of items. 

I did what everyone else would which calling the bank immediately but they messed up my report and filed it as dispute then months later they denied it and told me I should of filed it as fraud even tho I have told them it was fraud. 

This been going back and forth for a year now. 
XXXX decided to close down my account and report it to collection agency. 
I simply cant do this with XXXX XXXX anymore, this is not a good way treating a customer who been with them for ages without having a single issue. 
I need help fixing this