davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at Synchrony Bank & XXXX XXXX XXXX company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position showing the fraudulent items related to the accounts that are the result of identity theft.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Someone put in a fraudulent unemployment claim using my social security number so I called Equifax to put a freeze on credit verification and put in a fraud alert. I used the Equifax automated system and entered all the correct information. I requested to speak with an agent. I was put on hold for 45 minutes and then disconnected. I called back and just requested to speak with an agent. After 1/2 an hour I got an agent. I was asked questions to verify my identity which I did. I was told that I did not pass after answering the questions correctly. She told me I would have to submit written documentation and wait for them to investigate and verify and that it would take several weeks. I asked to speak to a supervisor and she told me sure and then disconnected me. I called back again and asked to speak with an agent after waiting 20 minutes I get an agent and request to speak with a supervisor. I talked to XXXX and explained my situation. She told me there was nothing she could do that I would have to submit supporting documents and wait several weeks for the investigation. This is totally unacceptable. I tried going onto Equifax website but when I selected it I was told that the certificate could not be verified and would not allow me access. Thanks, XXXX XXXX
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XX/XX/2022 I reached out to flagstar bank with a written sworn affidavit requesting for them to validate the amount owed they continue to provide outdated and erroneous documents. they are reporting to XXXX XXXX a different amount and continue to report derogatory and slandering information to third parties without my consent and put my name on public list without a resolution. transition reports {$8900.00} and total balance {$170000.00}. This company has breached there fiduciary duty while illegally attempting to collect a invalidated debt. causing harm to me physically mentally spiritually and financially. No resolution I am ready to go to court with trial and jury.
Consumer complaint received 2022-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a statement of account for XXXX XXXX XXXX XXXX from Capital One. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the Capital One account because I do not owe this credit card statement and this is a true bill of commerce. Also Capital One has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Consumer complaint received 2022-11-06
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. (CA)

In Accordance with the Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

These items were indicated in fraud and should not remain on my file
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (FL)

Under 15 USC 1681A2 I absolutely didnt give written permission to have those accounts furnished on my report. Ive also been in and out of jail which every time my social security, driver license gets stolen or loss. I promised myself after they let me go Im gon na start building credit to invest in a house but unfortunately someone has been using my credit, driver license
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (NC)

I purchased the vehicle XX/XX/2021. When I received my vehicle the description on the website did not match the car I received. The seat numbers were wrong and then I was told nothing could be done about it because the cars that matched that description were above my pricepoint. I contacted Carvana numerous times while on the phone with multiple representatives for hours on end. I had to keep telling my story over and over again. I found out when I got the vehicle there was an active warranty on it that was never disclosed on Carvanas website. I had to keep calling Carvana in order to express my disappointment in the service I received when I heard such great review about the company. After researching I found that Carvana was involved in a lot of similar issues I was experiencing. I am still dealing with emotional trauma of this experience which has affected my trust with companies such as yourself.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

When my accounts originally went to Mohelia I had filled out a consolidation and was to pay {$37.00} prior the pandemic Then since the payments were to restart I originally got a bill stating that my monthly payment would be Almost {$300.00} then when I check the account its says my Monthly payment is {$0.00}. I have been unable to speak to anyone to get this figured it out I have applied for the XXXX XXXX recently and not sure if I have been approved
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXXXXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Pressler & Pressler, LLP (NJ)

My pet was denied service at XXXX Animal Hospital and he ended up dying unnecessarily. All my complaints to XXXX went unanswered although XXXX has quite a few complaints and an F rating with the XXXX XXXX XXXX. XXXX hired crooked law firm Pressler and Pressler also known as Pressler, Felt and Warshaw to harass me however I sent Pressler various cease and desist letters via certified mail. Pressler is known for violating the rules since the managing partner XXXX XXXX was supposedly on the NJ Supreme Court for 25 years. Pressler was sued by the Consumer Protection Financial Bureau but continues to take the law into their own hands. Pressler obtained a crooked court officer to issue a levy with a false certification. I only found out about it through my bank after money was stolen from my account. The court had not contacted me about any trial or any other proceedings. Pressler sent documents to my bank with my full social security number when they should have redacted, and they threatened to come to my home and take my belongings as if I were some XXXX. These kinds of lawyers make criminals look like community heroes.
Consumer complaint received 2022-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (LA)

I submitted for a refund of all payment made during covid. I submitted a lump sum payment of XXXX and I've requested the entire balance paid refunded to me. I am still awaiting that refund. It took aidvantage less than a week to cash my payment check, but now it's taking them 6 or more months to give me back my refund. That's ridiculous.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.
Consumer complaint received 2020-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One made a business decision to close personal lines of credit used as " overdraft protection ''. I have been a customer/had the line for no less than 10 years. While I have no issue with that, they gave zero advance notice. I made financial decisions ( planned ) based upon the account ( which I've had at least 10 years ) -- due to Covid hardship was planning on using the line until 401K loan processed. Due to the fact they closed with zero notice there have been several consequences ... ( 1 ) I was embarrassed when the card was declined at a restaurant. ( 2 ) any checks outstanding over the next week ( until loan comes through ) might bounce -- anything that attempting clear today will bounce as I don't have time to even move funds from savings accounts over. ( 3 ) potential of overdraft fees as my checking account is at XXXX -- again PLANNED based upon having the line and timing from borrowing from other sources. 

Again, I have no issue with there closing the line ( I have/will move my business elsewhere ). This complaint is around the lack of a reasonable timeframe to adjust my finances without negative impacts to me. Thanks! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have shared my cost expenses and loans received for my schooling with Navient customer service advisors, management, etc as they carry my loans service with University XXXX XXXX with no help just the same answer over and over. I explained the interest continuing to grow more and more and the payments that I was able to make ( over $ XXXX ) were applied to the interest and not much to the principal at all which interest continues to keep getting higher putting me further in debt. They promoted flexibility and convenience, which was anything but those. All the school would do in the beginning is stress how easy it is to the get the loans and it would be low interest with quick turn-around pay off after graduating. That was such false information and when I questioned the information after graduation all they would say is we highly suggest forbearance or deferments. Which in return just builds more and more debt. There was no assistance in lower income payments offered just the same said over and over. I requested numerous times for the low income payment program, but they kept advising the forbearance/deferment program instead and would talk over me. Now I am {$57000.00} in debt when the original note was under {$30000.00}. The financial assistance they keep telling me about was false and there was no guidance whatsoever. I have contacted Navient numerous times about my loans trying to get things ironed out about where my payments were applied and I would receive the same answer, we will review and see if adjustments can be made but in the mean time apply for the deferment program so that you can have a break in payments. How is that helpful it just increases more interest and nothing resolved.
Consumer complaint received 2020-06-15
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. (GA)

I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

My issue has to do with Consumer Fraud and a Case Intake filed with the New York Attorney General 's office XXXX XXXX, since Citibank is based out of New York , NY. What happened? : On XX/XX/2023 I recieved an email with Social Security logo on the letterhead. Beneath the logo was a Case No. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter XXXX and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXX XXXXk routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking account.
Consumer complaint received 2020-06-15
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. (GA)

I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.
Consumer complaint received 2020-06-15
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. (FL)

I want to know what is Experians policy on not responding to a complaint within the 30 days period given by FCRA, according to FCRA all disputed items has to be removed if not responded to within 30 days. I have provided dated certified mail receipts, copies of dispute letters, but yet the accounts in question still remains. My first letter was sent on XX/XX/XXXX and it was received by Experian on XX/XX/XXXX to which I did not receive a response so I sent another certified letter on XX/XX/XXXX which was received by Experian on XX/XX/XXXX. Copies of the Certified mail receipts and letters are included in this complaint.
Consumer complaint received 2024-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest employed XXXX XXXX XXXX to illegally and unlawfully XXXX Trust property right out of their garage. When we attempted to resolve dispute with Bridgecrest, we were told to contact repo company. When we contacted repo company, we were told to contact Bridgecrest. We tried to remedy the situation, and the company refused to act and has caused adverse harm to the beneficiaries by seizing their essential consumer goods personal private automobile. The Trust has equitable ownership by nature and Bridgecrest has no evidence of contract with any party. They are complicit in trespass, harm and stolen property.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I used XXXX, XXXX PayPal company to send money to my contact " XXXX XXXX '' in XXXX. 

XXXX is saved as a " XXXX '' in the XXXX XXXX  and I usually select the contact and use the " swipe to send '' option. 

I have successfully transferred money to XXXX in the past through this option. 

However for transaction XXXX, I used the same option, but the money never reached XXXX. 

I reached out to XXXX multiple times ( at least 7 times on the phone- each time the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I need to call back ) and it never got resolved. 

I wrote to XXXX customer service and they responded saying " We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. '' I did not use an incorrect account number. I just used the account number which was stored in XXXX for my contact. So, this transfer going to an incorrect account, is a problem with XXXX system.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC XXXX XXXX lates XXXX XXXX please remove the lates DEPTEDXXXX {$90000.00} XXXX {$10000.00} XXXX  {$850.00} XXXX XXXX lates XXXX  XXXX XXXX  lates XXXX XXXX {$400.00} XXXX XXXX
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

My wife received a call from a North Carolina number and the lady that spoke with her was very aggressive. I called the number given ( not a North Carolina number ) and instantly the lady that answered started telling me I was being sued for an account that was not paid since XXXX. She stated it was from HSBC. I asked multiple times to send me some documentation for the debt or give me the date for court and she then hung up on me. I instantly called back asking why she hung up. She stated I was being rude, which I was not in any way. I again asked her why she was not helping me understand what the debt was for and she then hung up on me again. This was XX/XX/2020 at appr XXXX. I also contacted HSBC and they have no record of me ever having an account or my name in their system.