davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (IA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

i sent some money internationally and i don't know what happened to the money but i know for a fact it was not picked up so they automatically sent me that i'll be refunded shortly. The refund was processed on XXXX XXXX XXXX and the money was first sent in XX/XX/XXXX, XXXX it's been over a month now and i still did not get my refund not even an email. i've got multiple case number but here is the last one i was give. XXXX and here is the tracking number MTCN XXXX.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (HI)

I believe the account is invalid. MILITARYSTAR needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records.MILITARYSTAR XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was discriminated against after speaking with XXXX and XXXX it was decided to try this letter with XXXX the CEO of Huntington Bank to fix things, XXXX XXXX, retaliated against me because she was not responding to my phone calls or emails, therefore I went above her head and emailed XXXX the CEO of Huntington Bank, which than got XXXX very upset and she called me right away and said now I'm going to put your claims down as authorized, when my identity had been stolen and those claims were unauthorized and the bank was still working on XXXX batches of claims one of them was over XXXX XXXX dollars which was found by one of their own employees, the bank agreed fraud all along this case until XXXX got upset that I went above her head, XXXX XXXX XXXX retaliation is not allowed and very wrong as well as discriminating against a XXXX XXXX on a fixed income, I have been pushed to the edge with the incompetence of this bank it's absolutely unreal, I'm filing this complaint because the fraudsters have found me at my new bank and even tried to pretend to be a Huntington Bank employee to come back they will fix everything, that came through XXXX that is evidence I believe that my identity has been stolen. I emailed copies to the bank of police report, my XXXX  stays etc I want this authorized information changed because it is incorrect and I want my funds the bank owes me I don't care about the account beign closed, just pay me the funds you owe me, and change the fact my identity was stolen these claims were unauthorized Thank You XXXX XXXX
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. 

My {$210000.00} is still held in XXXX XXXX and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-06-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-04
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. (TN)

My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NY)

My account was closed and the money was frozen for about three months, and this is a long time, as I was harmed to the point that I was fined for being late in paying, including traffic violations and the credit card. I was also fined for being late.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (SC)

I opened my Wells Fargo Cash Back credit card a couple of months ago and have been using it without issues since then. I typically run up the balance and consistently pay it down by making payments every 2-3 days. I've not had an interest charge yet and have made about {$150.00} in rewards and {$200.00} in bonus. I went to make a payment today and got an error saying " You've reached your limits of payments allowed to this account from non-Wells Fargo accounts ''. I called in and they advised me it was a tactic to have customers sign up for a Wells Fargo checking account. When I mentioned CFPB they said they could take a payment over the phone.
Consumer complaint received 2020-05-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX  XXXX {$36.00} XXXX XXXX XXXX  XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}
Consumer complaint received 2023-01-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (FL)

My account is closed, but I've been making my monthly payments to pay it off. Today should have been my last payment in the amount of {$240.00}. However, when I called in to confirm the payoff amount, I learned the actual balance is {$970.00} which isn't showing on my account online or on the statements. The billing statements are never accurate and does not include the amount paid towards interest or the interest-principal breakdown. I don't know where this other amount is coming from or how it was incurred. When I called the second time on XX/XX/2023, I spoke to XXXX XXXX and asked him to send me an itemization of my account after explaining the issue. He said he didn't know if he could do that and asked if I work with XXXX XXXX. When I told him no and never heard them he told me he'd tell me what the difference is for as soon as he figured it out. I told him I wanted an itemization of my account mailed to me because I have a meeting in a few minutes and couldn't continue to hold. He said in a forceful manner just hold on and I'll tell you then put the call on hold. I had a team meeting at work and had to disconnect. So I sent a certified letter requesting the itemization on XX/XX/2023. I've noticed even after paying the {$1.00} showing for on the account that the payment was accepted and withdrawn from my account, but the amount is still showing due and accruing interest. I'm not sure what they are doing or why they don't want to provide the itemization. The billing practices is questionable and statement are incorrect most days.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My home mortgage was sold to Nationstar, and I had trouble since. Last XX/XX/XXXX, I called and asked Nationstar if I could prepay my XX/XX/XXXX property tax since i have an escrow account with them. I was told I could go ahead pay it, and Nationstar will do a escrow re analysis for me once I submit the payment proof. 

I faxed over my payment proof in XX/XX/XXXX and called request for the escrow account analysis. In XX/XX/XXXX, I called. In XX/XX/XXXX, I called, In XX/XX/XXXX, I called. However everytime I called, the rep. including the supervisor were rude, not willing to help, nor do the escrow re analysis. I was told a different story every time I call. 

I called local county, and I know the county has refunded the money back to National star for my property tax for the period XX/XX/XXXX - XX/XX/XXXX, at {$5900.00}.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Liberty Career Finance, LLC (NC)

I believe the account is invalid. LIBERTY CAREER FINANCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.LIBCAREERFIN XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I had my account closed by Chase Bank this past XXXX and have not received any information in the mail. I called XXXX in XXXX and learned that they they would send me a check for the remaining {$1000.00} or so in the account within two weeks. 

I did not receive the check in XXXX so I called again on the XXXX and customer service said it would take 90 days to verify my account. 

In XXXX I did not receive a check so I called on the XXXX and customer service said they would have to review my account indefinitely and could not give me an exact time to return my money. 

Since my account was closed, I can't get any emails about XXXX in my email, can't get any information about my money. If I don't call, I can't find out anything about my money.
Consumer complaint received 2023-12-18
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. (NV)

My credit card was stolen when there was a break-in in my apartment in XXXX XXXX XXXX NV on XX/XX/2023. The credit card was issued in the XXXX. It is a CITIBANK VISA credit card under Citibank N.A. bank. I already filed a case with the police and a detective is already investigating it. I contacted the credit card company on XX/XX/XXXX past XXXX XXXX, US time ( XX/XX/XXXX past XXXX XXXX, Philippine time ) to report the stolen credit card and there were already about 15 pending charges on my credit card. I received an email on XX/XX/2023 from the Citibank Fraud department in the XXXX saying that I am liable for the charges and that they won't be able to reverse the charges.They did not say in the letter what investigation they did. They just said, " We regret to inform you that since the following transaction/s occurred before the loss of the card was reported on XX/XX/203 at XXXX XXXX, we are unable to reverse the following transaction/s posted on your Citibank XXXX XXXX card in the total amount of XXXX XXXX. '' No investigation was done I believe based on their statement. They did not even say that they contacted the merchants to resolve the issue. There was no receipt/transaction or any document requested from the merchant. I called XXXX XXXX since the Citibank credit card that I have is a Visa card and the supervisor of XXXX XXXX did find in their system my Citibank Credit card account that was issued in the XXXX. I asked her about the XXXX XXXX XXXX XXXX that can be seen at XXXX XXXX XXXX She said that the issuer will be the one to explain it because it differs on each credit card issuer which I didn't get because it did not state that on their website that it would depend on the issuer of the credit card. XXXX Zero Liability is their regulation so it should be honored by all credit card issuer but apparently based on the supervisor 's statement, it sounded that the policy depended on the credit card issuer but why was that policy in their main website.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

On XXXX XXXX I applied and was approved for an American Express Delta Gold card through a link that offered XXXX reward points if I spent {$1000.00} within 3 months. I spent {$1000.00} within the first 3 weeks and have been waiting for a few weeks to have the bonus points loaded to my Delta account. Today I called Amex to see why there was a delay they said there is no bonus listed on my account and the gentleman I spoke with said hed file a report. The issue is Ive already been waiting a while and need to book a specific flight and he told me the team that investigates take 6-8 weeks.