davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX AND XXXX XXXXXXXX BEEN CALLING FOR A DEBT THAT WAS FRAUD. 
THIS FRAUD ACCOUNT / COLLECTION SHALL DELETE BECAUSE IT WAS OPENED WITHOUT MY PERMISSION.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I have been working with Navient for a few years ever since they went from   XXXX   XXXX   to Navient. Initially, they kept having me put my loans in deferment/forbearance and then stated that I had no other options for re-payment and just needed to pay what they were asking. After going back and forth with them they stated that they had a " income based re-payment plan '' that they could put me on. The payments were almost just as high and I still could n't make those payments. I 'm currently still on the payment plan but I am still having trouble making the payments and they say there is nothing more they can do for me. Sorry I do n't have dates.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I'm waiting for Wise to reply me back to my email that i sent today but i am not wasting anymore time, waiting for the results whether its good or bad news. I was recently promised a refund from my seller and the total refund im expecting to get is XXXX PHP = roughly around {$30000.00} however i sent the money through wise for XXXX XXXX and i need to have the full refund asap even though the seller agreed to send me the refund but she wants to do it monthly payment installment which i did not agree because it is not fair to me and my clients to wait additional months and who knows how long she will take to send me the funds and i dont have that much time. I sent the whole funds to her right away and i expect to have the refunds to me back right away and not through payment plan. I just hope Wise will agree to issue the refund and work with my bank to investigate this matter.
Consumer complaint received 2023-09-10
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)

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 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (TX)

I had paid my XXXX + balance in full including XXXX interest. the day my credit limit would be available to use, it was immediately lowered to XXXX. I use this credit card to pay rent. So I basically used all of my cash to pay off that card in expectation to reuse it for my XXXX dollar rent. I was basically robbed for {$3900.00}. 

I was not given 30 day notice or notice by physical as it is said in XXXX XXXX XXXX https : XXXX I contacted multiple reps and supervisors who give me the run around. this has caused me extreme emotional distress. I already know Goldman Sachs uses my signature and application as collateral and trade the securities. I just want my limit returned to me. 
I will be getting a attorney to further my case.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

I XXXX XXXX HAD BEEN A VICTIM OF UNAUTHORIZED USE OF MY DEBIT CARD FROM NAVY FEDERAL CHECKING ACCOUNT I CANT GET ANY HELP FROM THEM RECOVERY OF MY FUNDS, ITS CLEARLY THAT THESES ARE FRAUDULENT CHARGES PLEASE HELP ME GET MY MONEY BACK XXXX XXXX XX/XX/XXXX {$4700.00} Transfer to XXXX XXXX XX/XX/XXXX {$1000.00} Transfer to XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00}
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One checking account was closed due to a XXXX  payment which I received from one of my customers. There was approximately {$1300.00} in my account when it was closed. I called capital one multiple times and got no where with them. It has been over 100 days since my account closure and still no money has been returned to me.
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (VA)

Purchased XXXX XXXX XXXX on XX/XX/XXXX from the XXXX  Store located in XXXX, VA. The cards are issued by Incomm Financial ServicesXXXX XXXX XXXX -I gifted the cards on XX/XX/XXXX -One of the cards was tried to be used on XX/XX/XXXX and was told the card was already used. I pulled up the transaction report and the card was used at the XXXX XXXX located in XXXX, VA on XX/XX/XXXX. I know that it was not from the individuals that I purchased the cards from because they do not live in VA.One card filed a fraud claim and has received the replacement card in XX/XX/XXXX, while I am still waiting on the other replacement card. 
-I filed a fraud claim on XX/XX/XXXX at XXXX and spoke with XXXX XXXX XXXX she provided a case # XXXX and explained that it would take 45-90days to process. 
- Sent the siged dispute form to XXXX XX/XX/XXXX at XXXX -I followed with an email to XXXX on XX/XX/XXXX, and received an email on XX/XX/XXXX requesting a copy of the card, the receipt and Case # XXXX and once they receive it will take 10 days for the replacement card. 
-I sent all requested documents on XXXX, XXXX -I emailed on XX/XX/XXXX asking when I will receive the replacement card, no reply -I resent the requested docs on XX/XX/XXXX, no reply -I called XXXX on XX/XX/XXXX, the gentleman told me that they did receive my paperwork and it is in process -I sent an email on XX/XX/XXXX requesting the status, no reply -I sent an email on XX/XX/XXXX requesting the status, no reply
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-09-09
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. (NV)

This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (WA)

Visa gift cards purchased by my husband for mother 's day. 2 cards XXXX each. I open visa package and there were XXXX dollars on cards. I contact Target and visa phone number on back XXXX. XXXX. They told me to send copy of receipt, copy of cards front and back and copy of my driver 's license. They said email it and the process takes 30 days to investigate. Since XX/XX/2023 I have received no replacement cards and its XX/XX/2023. I have contacted the company 22 times and they say investigation was done and they would send me replacement cards. I called today and they said no results for the investigation and they don't know why I haven't received my cards. They just keep escalating the matter to someone else. I have talked to 2 supervisor and they have no answer other than they can't send me cards another department does. This company just do nothing about fraudulent cards. They don't want to give the customer their stolen money back.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-09
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. (SC)

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 XXXXXXXX has violated my rights. 

I have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

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 2023-09-09
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. (SC)

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  has violated my rights. 

I have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

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 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MANN FINANCIAL INC. (CA)

Broker, after getting my paperwork, told me the loan was doable. He then completely went dark. When I would ask him, he would say he is waiting for the underwriting department to give him an answer. This continued for 10 days until it was too late for me to close on time. I still do not have an answer from the underwriting department and at this stage, I would not be able to get a loan for the house my family fell in love with.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost XXXX years. 
They broke laws.
Consumer complaint received 2021-05-16
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. (OK)

I mailed 2 certified letters with return receipts, first letter was sent out XX/XX/2021 an received XX/XX/2021 asking Equifax to verify XXXX XXXX XXXX XXXX XXXX XXXX or to delete the account also included was a letter from the Court saying " they do not give or sell any information to third parties or credit bureaus '' also included was a letter from XXXX stating they deleted the XXXX XXXX XXXX  and on XX/XX/2021 Equifax verified the Bankruptcy accurately reporting and they also never marked the account under dispute or disputed. I sent my second letter out on XX/XX/2021 an it was received on XX/XX/2021 asking Equifax for Method of Verification and asking Equifax to send documents of proof or to delete the account and on XX/XX/2021 Equifax claimed they verified the account with the court and it is reporting accurately but once again with out providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IA)

I recently obtained my credit report. I was shocked to find four Chase credit card accounts totaling $ XXXX filed against my credit report. I filed a dispute with the various credit reporting agencies. Chase removed three of the four credit card accounts as they were fraudulent but is claiming the fourth account ( JPMCB Card XXXX ) is not fraudulent stating that, we have a signed application and/or signed credit card disclosure on file for this account. Chase refused to provide me with a copy of the signed application or copy of the billing statements for the account. When I called, Chase was unable to provide me with the address that the account was billed to. Once again, this in the context of three other JPMCB credit card accounts that were fraudulent. Instead, Chase keeps wanting me to settle the account ten cents on the dollar in effect to take responsibility for purchases on the account that I have no knowledge of nor performed. 

As such, I am requesting that this account be removed from my credit report. In the alternative, if Chase wants to provide me with a copy of the signed credit application as well as the statements, then I will review to provide further evidence to Chase that this account is fraudulent. As documented in my prior communications, I have been the extensive victim of identify theft which has been reported to numerous agencies. 

Thank you, XXXX XXXX, MD PhD
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, Along with {$300.00} deposited into my account on XXXX XXXX rather than XX/XX/XXXX, I noticed that they have paid an interest of {$0.00}. This is quite manipulative scheme. 

This is an update to XXXX and XXXX. 

Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX XX/XX/XXXX Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : ATM Cash Advances or Bank Transaction Merchant information : XX/XX/XXXX Reference number : XXXX Merchant Name : get more information about merchant name change INTEREST REF PURCHASES Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Service Charges/Fees Select to Edit the transaction category Online Purchase : XXXX Type Bank Transaction - {$0.00}
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX XXXX has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I was under covid forbearance with XXXXXXXX XXXX prior to my loan modification being executed on XX/XX/XXXX. My forbearance had ended in XX/XX/XXXX and I missed the XXXX payment. However, I eventually made the payment for XXXX, XXXX, XXXX, and XXXX until the loan modification was signed. XXXX reported my mortgage as delinquent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though I made payment for 3 of those 4 months. Now my credit report shows I was 120 days delinquent on my mortgage and I am getting denied loans and credit lines because of this delinquent record. XXXXXXXX XXXX actions were abusive and unfair and I want them to remove these delinquencies from my credit report immediately.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On or about XX/XX/2022 I sent letters to TransUnion describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX XXXX  FRAUDULENT REPORTING XXXX  FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.