davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was locked out of my USaa account and I called to unlock it. I was told it was unlocked and I would have to pay a free for an altered check. I had not done any check deposits, etc. several checks were deposited and most of them were the same. Funds were also deposited and not alerted as fraud. Now my account is locked down and I have no money for my husbands XXXX treatments. I was not given any provisional credit.
Consumer complaint received 2022-09-18
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. (DE)

Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a delinquent amount reported by XXXX, XXXX, and Transunion the company reporting the late payment is XXXX XXXX for the Month of XXXX 2022. I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (SC)

bankrupcty was filed on XX/XX/22 and i was told funds coming in after that date would be reverted to the new account. Several deposits made into that old account and has failed to be diverted to the new account, I was told this was going to be done. It will be a month on XX/XX/22 and no money was sent to the new account from that old account, the old account it XXXX this is causing me undue hardship due to Navy Federal failure to comply with the bankruptcy court.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Federal Adjustment Bureau, Inc. (OH)

CFPB Complaint - XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX , OHio XXXX I have applied with several companies looking for work in the field of XXXX XXXX. I would have great interview but after I signed paperwork for a back ground check I would never hear from the company. I sent a letter to XXXX to get a copy of what they had in my file and I was sent a letter regarding a speeding ticket. I called XXXX and spoke to XXXX to confirm this was what they had and it was confirmed. My not being able to get a job went on for months and it made no sense because of my education. In XXXX, I applied with XXXX and they were not going to hire me because XXXX sent them a report saying I had an eviction. When you work in the field of XXXX XXXX you can not have an eviction. Companies will not rent to people with evictions and they do not want to Hire an employee with evictions. 
I begged this companies patience because I knew I had no eviction. I called XXXX and they realized their mistake and did send XXXX a corrected report and I was able to get that job. I sent XXXX a letter asking them to send corrected reports to all of the employers they sent this erroneous information to and a copy to me for my records and I was told by them, I would have to call all of the potential employer that denied me employment myself. And they never sent me a copy of the corrected report for my personal records. This erroneous eviction against me caused me a great financial hardship and a lot of mental stress. I almost lost my home, bills fell behind it was a mess for me. This erroneous eviction had been on record with XXXX since XX/XX/XXXX. I made contact with this company several times to confirm they had only a speeding ticket and NOTHING was every said or mailed to me about this eviction. The eviction Was NOT mine but it cost me months of not being able to get a job. I had to eat from food XXXX, pawn family heirlooms to be able to keep my utilities on, and my property taxes are still behind. I had to sign two separate contracts with XXXX County Auditors Office to keep my home from being sold for taxes and I am still owe {$800.00} on my property taxes. If I had a mortgage on my home I would be homeless. Had it not been for XXXX providing me a copy of what XXXX sent them I STILL WOULD NOT KNOW WHY I COULD NOT GET A JOB. I have received three letter concerning information being released : XXXX XXXX, I did not get that job, XX/XX/XXXX, I did not get that job. XX/XX/XXXX was the last letter I received. I was turned down for some awesome jobs I really wanted with fantastic companies due to the erroneous eviction and now XXXX can send me a corrected report or let me know what companies they sent the corrected report to and the dates. I
Consumer complaint received 2024-03-04
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (IL)

On XXXX I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official like it was from my bank which is XXXX. We have received texts like this before where someone was fraudulently trying use our debit card and we're then sent a new card. So I responded no. I then immediately received a call from XXXXXXXX XXXX from their legitimate number. I latter found out that scammers can make it look like they are calling from a legitimate number. The scammers told me someone had hacked into my account and I needed to change all usernames and passwords. They also said they were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone as I was on the website about to wire the money when I told them I'm not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from XXXX. I sent the {$7800.00} wire transfer. Within an hour I started to realize my worst nightmare was possibly unfolding and called XXXX. They said it was not them and that I had likely been scammed. I asked them to stop the transfer and all they did was have me type in a secure message that said I wanted to do a wire transfer recall. I couldn't even talk to a person. The next day they responded with a message to see if I still wanted to go through with the recall. Of course I did but now by the time they even initiated it the next day we were 48 hours in. Over a week later they responded back to me again by secure message that the receiving bank which was TD Bank had not gotten back to them after repeated attempts. I even have the name on the account where the wire was sent. XXXX then started giving me the run around. Telling me to contact TD bank and giving me other websites that didn't exist and phone numbers to call that were not in service. I then tried contacting TD bank but couldn't make any progress. They told me XXXX needed to contact them? The name on the receiving account of the wire transfer was XXXX XXXX. Of course I don't know if that's a real name but it's the name on the account where my {$7800.00} went. I can't believe TD bank will not even respond. My complaint is against TD bank and XXXX for failing to act in a timely manner or act at all to investigate this fraud. Thanks for any help you may be able to give.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

Today XX/XX/17 at XXXXXXXX XXXX  EST Reference Number : XXXX sent Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD to person in XXXX OH. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX was listed on MoneyGram website as accepting MoneyGram transfers until XXXXXXXX XXXX 

Recipient went to XXXX in l as then an hour after sending money. 

XXXX said their MoneyGram hasnt worked in a month so recipient could not get money. XXXX employee said their MoneyGram only works intermittently and that there is some sort of nationwide outage issue and that their MoneyGram hasnt worked in a month and if it does sometimes work but only intermittently and usually doesnt work all day. 

I called the same XXXX XXXX as well and they confirmed the same thing. 

MoneyGram website said MoneyGram was available at that location but that is a lie on Moneygrams part it isnt available there currently. 

Next closest location is 45 minutes away. 

Recipient was stranded with no gas and no way to leave the city without this money. 

I couldnt cancel the transaction on their website so I called into MoneyGram. Employee said they could cancel it but that I would still have to pay the {$38.00} fee. I complained saying that is not fair since the location that said it was available hasnt had their service working in a month. Employee looked and confirmed that there was no other location to XXXX OH. Said that there was no other option other then to fill out a complaint form on their website. I asked to speak with a manager and was transfered to a supervisor. Was told the same thing. Very frustrating that I have to spend all this extra time to try and get my money back when the location the advertise as being available for MoneyGram transfers hasnt been able to do them for a month. Very deceptive business practice. 

I still dont know if they will refund the fee or not
Consumer complaint received 2022-09-17
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. (NC)

it has come apparent that Equifax has furnished false, outdated, and incorrect information on my credit report. Equifax is acting as trustee over my cestui que vi trust and they have acted in maleficence breach of duty as this act has not been in my best interest. Equifax is both a financial institution and credit reporting agency, which has caused damage to my ability as a consumer to make certain private purchases for my family and I. they violated my privacy and never had consent nor permission to furnish or report any of the false and misleading information on my report.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I discovered today ( XX/XX/2022 ) that a person opened a Checking account at Capital One Bank in my name. I went to set up an account with them for the first time ever and found out one was set up already. I was told the checking account was already closed, they did not tell me what banking took place on that account. I was able to obtain the mailing address and email they set up and the last four digits of their cell phone number when changing the account back into my name. I do not know what amounts were opened or what transaction took place on this account.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

I have notified Experian several times that there are many discrepancies in the reporting on my credit file which all happen to negatively impact my reputation and are unlawfully still furnished. According to 15 USC 1681c-2 ( a ), after being notified that accounts are fraudulent, do not belong to me, nor relate to any transaction that I am connected to ; the information must be blocked and deleted within 4 days of receipt. By my records, I have sent written notification to Experian providing full detail and evidence necessary for its removal. Postal Tracking # XXXX XXXX XXXX XXXX XXXX, received XX/XX/XXXX. It is now XX/XX/XXXX and Experian has not fulfilled its duties to block and delete the information. I have again attached the documents Experian has already received. Further, per 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ), the information can no longer be furnished after being notified by me that the information is inaccurate. I am requesting for the immediate removal of these accounts.
Consumer complaint received 2022-09-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX Experian - XXXX - Delivered XX/XX/XXXX, XXXX
Consumer complaint received 2022-09-18
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. (AR)

I have filed a formal complaint against the credit bureaus about a bankruptcy reporting on my credit report. The furnisher removed that bankruptcy and the bureau has not removed the bankruptcy off my report.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

First Off, Id Like To Inform You That Id Just Recently Got Out Of XXXX. The Entirety Of My Stay In XXXX, I Was Being Charge Service Fees, {$7.00} A Month, Till My Account Was Drained. PNC Did Not, However, Notify Me Through Mail Or Email. This Was From XX/XX/XXXX ( My Initial XXXX  Date Into The XXXX XXXX XXXX XXXX XXXX XXXX, Till XX/XX/XXXX ( My Release Date From XXXX  ).
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

In good faith I respectful report an unforeseeable issue with Amex for my personal XXXX XXXX ending XXXX. 

Prior to the annual fee due date, XX/XX/2022, I advised Amex that I am NOT interested in paying the unreasonable membership fee for an account I do NOT use enough. I was clear I wanted to close the account, which I believed Amex honored as is my right to close and NOT be required to pay the annual fee. Only weeks after I find out that Amex did NOT close my account. AND charged me interest on the membership fee. Interest. Unacceptable. Then Amex claims even if I closed the account, I would be responsible for the annual fee. Claiming 30-day policy to close account. 

This is the problem. Amex was advised that I did NOT want to pay the annual fee, thus I do NOT want to keep the account. Close the account. Plain English. Close the account. Therefore, I want to close the account. Plain English. Instead, Amex played riddles, misleading me by misinformation that I was obligated to pay the annual fee even if I close the account. Now we are talking about a billion dollar, maybe trillions, international corporation. Playing games for XXXX Assuming me stupid. 

By coercion of obligation to pay fee and be charged further interest for unpaid membership fee, I involuntarily paid the XXXX Then Amex hit me with a XXXX  late fee. 

I reiterated my original request to close my account and a full refund of my membership. The representative played with words deceiving me to believe I would receive a full refund of my membership. Amex closed my account, THEN advised me NO refund. THEN credited me the XXXX  late fee. 

Simply stated, I deserve and want my XXXX membership refund in full.
Consumer complaint received 2021-02-16
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: JPMORGAN CHASE & CO. (CA)

On my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.