davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CO)

I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and designated to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the time of my incarceration I experienced credit card and debit card fraud : I was advised by Navy Federal Credit Union that there has been {$13000.00} in debit card fraud and $ XXXX in credit card fraud. 

I did not make any charges nor did I authorize anyone to do so. Due to my location, it was physically impossible to charge or check my accounts since there is no internet access and we were a Covid Red institution so we were on modified lockdown for extended periods. You are not allowed to make toll-free calls either. There was no way for me to have noticed anything was amiss with my accounts. 

In XXXX, I authorized my elderly mother to use funds from my account to move into a home and thats when I was alerted to the fraud. I went to my camp counselor, XXXX XXXX and made a 1-time emergency phone call to Navy Federal Credit Union . I was advised that fraudulent charges had been occurring since XX/XX/XXXX. I was distraught wondering how the charges could have continued if Ive never used my debit account in that manner & wondered why I was never contacted to determine if the charges were mine? The fraud rep advised me that I was contacted 3 times and I confirmed each time that the charges were valid. This is an even bigger red flag because that was physically impossible since I was in the custody of the XXXX XXXX XXXX XXXX and my phone password was not utilized. All of my cards and accounts have Zero Liability policies against fraud like this. I closed all compromised accounts and cards then opened up fraud claims. 

On XX/XX/XXXX when I contacted Navy Federal Credit Union to receive copies of the fraudulent charges so that I may file a police report, I was given the great news that both claims for the debit card charges of {$13000.00} and the credit cards charges of $ XXXX were won. My money was deposited back onto my credit card back in XXXX and they told me that my debit card claim was won on XX/XX/XXXX. 

I had my access reinstated to my accounts today ( XX/XX/XXXX ) and saw that my money is not there. After several attempts at calls to Navy Federal Credit Union ( with several calls with agents coincidentally disconnected even though Im on a home phone ) and multiple different departments looking through my accounts, no one could tell me where my money is. Since the compromised account was closed in XXXX, the money should have been put into the new account but no one can locate it. The fraud rep advised me that there are notes in the system saying the claim was won back on XXXX but no notes saying the money was deposited back. This is absolutely absurd.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Hello about three weeks ago my Coinbase Wallet was hacked and compromised for {$30000.00} on Wednesday, XX/XX/2021. It was all of the money that I had saved over the past few years and the hackers were able to transfer my money to a private wallet without my knowledge or consent I was also not alerted until I checked my account and saw it was at zero! I have complained about this to Coinbase and they have stated that they have nothing to do with this and because its my private wallet that makes it a decentralized platform meaning you are your own bank and you are responsible for all the losses that come with it. I just want justice to be served and I am hoping that I will be able to receive my hard earned money this is been XXXX XXXX XXXX XXXX on my body and its cost me to tap into a XXXX  XXXX that Ive been battling with on and off since the event happened.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (NY)

Equifax has completely failed to respond to any of my questions are statements made I. My previous complaint. Instead they trie to validate the records which is not the issue at hand. The issue is the validity of their ability to report anything to the credit bureaus without my express consent and wet paper inked signature. Again I will reintegrate. 
1. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. 
1.a. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. Please read up on 15 USC 1681 Section 602 which states the consumer has the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency without express written consent. 
1. b. Please provide written consent with a signature under consumer law where the consumer has agreed to the violation of said rights. 
1. c. If they can not provide this request document with consumer verified signature expressing full consent their claims become fruit from the poisonous tree and all transactions therefore after are thus illegal activity. Which are fraudulent activities. 15 USC 1681 Section 604 A Section 2 1. d. I demand that company provide this proof immediately as of today, failure to do so may arise in legal action against company for failing to provide authentication of consent in their furnishings. 
2.a. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. It is illegal for the creditors report ANY detailed activities on my credit report. Creditor is only allowed to furnish information on whether a not a transaction was opened or closed. Any other information provided is a direct violation of said consumer law. Late payments are defined as detailed information and goes against consumer law codes. I never gave creditor consent to furnish any information not protected under consumer law. 

I will provide the attached documents where they did not directly answer any of my questions. Instead they tried to straw hat my argument. I will not tolerate that level of disrespect. I will continue to fight for my express rights!
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (UT)

My account was charged after the COVID tuition pause ended on XX/XX/year>, since I had my account set up as auto-pay. My account is under deferment. I have a pending case with the XXXX XXXX XXXX that allows my account to stay in deferment. I called to get this auto-pay transaction refunded on XX/XX/year>. They told me it would take about XXXX days to get my refund. I haven't received it yet. They keep giving me an update that the refund will be processed in x amount of days. The total refund amount is {$220.00}. I had my case escalated on XXXX XXXX, XXXX, and was informed that a refund would be processed in 7 business days. I called two weeks later, they told me the refund escalation was entered incorrectly and it would be processed in 7 business days. It's been 3 weeks since that day, and still no refund. On top of that, when it comes to refunds their support line barely wants to assist me. I've had them hang up on me and put me in the queue, to wait over an hour to get anyone on the phone.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to XXXX in XX/XX/2023. However, two of my reports ( XXXX, XXXX  XXXX XXXX, and Experian ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and credit.
Consumer complaint received 2021-12-23
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. (GA)

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Experian have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Made large payment for loan requesting principle payment but Bank of America didn't process as principle payment as requested. 

After fixing issue with significantly reduced principle balance, Bank of America continues to charge me interest on larger loan balance instead of reduced balance remaining after large payment. 

Bank of America doesn't show principle and interest of monthly payment on online access to account nor on monthly statements like other banks with loans.
Consumer complaint received 2019-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NY)

I was backed up on my credit card payments, so discover reached out to me and I shared with them I was out of work for 5 months. I wasnt able to make any payments so there for I spoke with a representative and told her on the XXXX of XXXX I will be able to make a payment of {$100.00}. Today the XXXX of XXXX they pulled out the amount. Thats not what I agreed on and I even have a email stating that was confirmed. Now my account is overdrawn and Im in a grievance because I dont have the money.
Consumer complaint received 2024-02-20
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. (IL)

I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX. 

I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX. 

Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME... 

I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent... 



I received a notice at my new address of money owed. I owe you nothing. 



I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good. 



I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you. 



I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!! 



I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in. 



I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX. 



Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up. 



Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning. 



Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof. 


Some things I agree with like the stove-I did not damage that apartment. 

Please contact me as soon as possible to resolve this matter so that I will know how to proceed.
Consumer complaint received 2021-12-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX XXXX XXXX. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX XXXX would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/21 I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/21 and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
Consumer complaint received 2022-10-08
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. (NC)

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, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$13000.00XXXX XXXX XX/XX/2022
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc (FL)

I CALLED XXXX, SPOKE TO SOMEONE NAME XXXX XXXX AND WHAT HE SAID XXXX SENSE TO ME AT ALL, HE WANTED ME TO GO TO MY COMPUTER AND GO TO THE SEARCH BAR AND TYPE IN INFORMATION IN WHICH I REFUSED. 

I RECEIVED AN E-MAIL FROM PAYPAL ABOUT A BITCOIN PURCHASE THAT I WAS NOT AWARE OF FOR $ XXXX. ORDER # XXXX, ON XXXX XX/XX/2021, IT DID NOT PURCHASE ANYTHING AND DO NOT KNOW WHAT BITCOIN IS. 

I TOLD HIM THAT SHE WAS A FRAUD AND WOULD REPORT HIM AND THE NUMBER IN WHICH I HAD SPOKEN TO HIM ON.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

During sometime around XX/XX/2021 I deposited a refund check issued by my school ( XXXX XXXX ). The check had my mothers name but I was told it would be fine as long as I had a proof of relationship l. My mother even spoke to the rep to confirm before submitting the deposit. Everything was fine until about 4 days later my account was locked and later closed because of alleged fraud since the check wasnt soly in my name. I called citi and was told the previous rep was misinformed and that I shouldnt have been allowed to deposit my refund check. I and my mom told him that we had offered, and were still offering to go to the bank together to clarify this alleged fraud. I was told it was too late the account would be closing in the next month and a few months later I would receive a check for the remaining balance. The remaining balance was upwards of {$400.00} and I never received a check and every time I call ( every 3 to 6 months ) Im told the same thing to keep waiting.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX-2021, I attempted to close my Best Buy Credit Card because of non-use & I already had a Citibank Credit Card, which this seemed to duplicate. They listed a charge for the continued 'XXXX XXXX  ' service, which I hadn't used in at least 10 years. I was told to call their XXXX XXXX service, to remove this, because their Billing Department was, somehow, separate, and I was given a special number. I called and this Representative was able to ZERO my Account, with a small Fee of {$.00} ( cents ), she couldn't remove. for undetermined reasons. I VERIFIED that this was ALL O owed & was assured I would receive NO further Billing, after payment. On XX/XX/XXXX2021, I received a Bill from Best Buy Credit Card, that they were charging me a service Fee of {$2.00}, the Charge they are making against this CLOSED Account seems to be dated XX/XX/XXXX2021, which includes {$.00} ( cents ) of INTEREST on a purchase, not detailed, nor product that was gained/lost/ When I called to dispute this, I finally spoke to a Manager AT the Billing Department and was told he couldn't remove the charge and I would, again, have to call another Department. I was told by this Manager, I would have my good Credit, lowered if I refused payment. This is nothing less than Fraud and terrible Business practice, PLEASE help!
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

This is about the Home Depot credit card by Citibank. 

I applied and was approved for this credit card by or around XX/XX/2023. I went for an initial online purchase of {$21.00}. That was the first ( and last ) time I used the card. I scheduled via XXXX the payment in full of first statement at least 5 business days in advance of due date. 
For some reason, Citibank claimed they received the payment one day after the due date, so the fees and interested kicked off. 
Even I provided to Citibank proof when payment was made, but in every call I had about, whoever was on the other line sounded much more as a debt collector rather than a customer service associate. Citibank continued adding {$50.00} plus every month they send the statement. At this point, my balance shown around {$250.00}. 
My credit score went from almost XXXX to below XXXX due to the continue unpaid balance report.
Consumer complaint received 2021-12-23
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. (CA)

On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with Experian was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Experian FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent Deposited my money. Traveled to New York assets frozen, despite doing everything to avoid this .... Including reporting going on vacation XXXX. 

At check in of hotel, my funds were frozen and unable to get my family a room. It caused us to purchase plane tickets back home prematurely because we were stranded with no money, despite the account have ample enough money in the account.