davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

I sent a wire transfer for my wife to a friend of hers in XXXX ( XXXX ) yesterday. The receipt said the money would be available immediately but when her friend went to pick up the funds, he was told they were not available. This is a person she knows well personally ( She went to a village in XXXX as a XXXX  from our church  every year over a period of several years ). She was not asked for money, it is something she wanted to send to friends she knew and traveled into the Bush with on several occasions. This was unsolicited and something she wanted to do for people she worked with when she went there. 

When her friend went to pick up the funds ( he had to travel several miles to get to XXXX ), he was told the funds were not available. I was NOT notified in any way that the transaction would not go through and the first I knew was when my wife 's friend called ( he can not really afford to spend money for long distance calls ) and left a message on our house phone that they would Not given him any funds. I was NOT notified in any way that the transfer would be a problem. 

This is FRAUD!! They offer a service and then will not give that service. 

I spent nearly an hour speaking with Western Union employees (  supposedly supervisors-two ) and the long of the short was they were not allowing this transfer to go through
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been overcharged {$1000.00} on my Capital One credit card for a taxi ride from XXXX XXXX XXXX, billed on XX/XX/2022, for an approximately XXXX km ( XXXX miles ), XXXX taxi ride from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX ), near XXXX XXXX, XXXX, XXXX. 

Facts : 1 ) The card was given to the taxi driver to pay for the XXXX taxi ride, but the AMOUNT charged to the card, {$1000.00} ( XXXX euros ), was an overcharge, grossly in excess of the regulated XXXX XXXX XXXXXXXX. The XXXX taxi ride should have cost about XXXX euros ( {$12.00} ) ; taxis are licensed and regulated in XXXX. 

2 ) Capital One immediately detected the charge as being potentially fraudulent and sent a text notification to my phone at XXXX PM XX/XX/2022 ; I responded to the text with Yes, indicating that the amount of the charge was not valid. 

3 ) As instructed by Capital One, I formally disputed the transaction ( Capital One case number : XXXX ) when the charge posted, subsequently sending two faxes, 6 pages on XX/XX/2022 and 3 pages on XX/XX/2022, fully documenting that the taxi fare should have been around {$12.00}, and that the transaction had been overcharged. 

4 ) However, Capital One has now decided that the charge is valid, BECAUSE the taxi driver claims that the charge is valid, because a card with a chip was used to pay for the transaction.

5 ) The taxi driver has NEVER justified the amount charged, presumably because in doing so, he would be admitting to fraud, because XXXX, XXXX taxi fares are regulated. Consequently, Capital One still has not resolved my overcharge billing dispute.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (TN)

I received Rental assistance for the a few months. Its shown on the lease ledger that XXXX place received those payments. XXXX even gave our deposit back. If we still owed XXXX place then why didnt they keep our deposit? 

XXXX place sent a collection of {$2300.00} but received the payment from XXXX XXXX Rental assistance due to covid and me being unemployed. At this time I do not owe XXXX or XXXX debt collector anything. At the bottom of the lease ledger it shows the amount of {$2300.00} received from Rental assistance
Consumer complaint received 2022-06-03
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, thank you for trying to help me. On XX/XX/2022, I noticed several fraudulent checks that were withdrawn from my Suntrust checking account, totaling {$4000.00}. After a 60-minute hold with Suntrust 's fraud department, I was able to speak to someone who closed the account, opened a new account, and initiated a fraud investigation. I have not heard anything additional from Suntrust regarding the investigation, and both I and my local branch representative have waited hours on hold with Suntrust 's fraud department without a human ever answering the call. Suntrust states that their policy is to return stolen funds to accounts within 10 days, at least temporarily while the investigation proceeds ; my funds have not been returned to my account, and I am unable to speak to anyone at Suntrust regarding the investigation, as they are impossible to reach, even by their own branch employees. 

Suntrust is undergoing a merger, but this is no excuse to violate their own policies and to leave customers in this much of a bind, unable to contact anyone at bank in a reasonable amount of time. 

Please help if you can. 

Thanks!
Consumer complaint received 2022-06-03
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Michael Wayne Investment (VA)

I had a Company closed my account in XXXX with a {$0.00} balance. Now in XXXX i received a garnishment XXXX my payroll with {$400.00} to {$600.00} being taken out every two weeks without warning. They said they notified me but when i called the clerk of court, it was sent to an address that i haven't lived at in over XXXXyears. It almost cost me my home multiply times my family was almost evicted which caused me hardships and stress at work. In XXXX the debt limitations for auto loans are 4 years.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (FL)

Attached to this message is a XXXX Real Estate Installment Quarter XXXX payment due from the XXXX XXXX XXXX Collector. Per the bill, the quarterly payment is due by : XX/XX/XXXX in the amount of {$740.00}. UHM is the mortgage servicer of record for account number : XXXX. As of today, the escrow account has a balance of : {$2900.00}. Therefore, payment should be made in a timely manner.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

JPMCB CARD SERVICES derogatory trade. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (CA)

On XX/XX/2023, I sent an Identity theft letter to XXXXXXXX XXXX XXXX, and despite more than 30 days passing, I have not received a response nor has XXXXXXXX XXXX XXXX complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on On XX/XX/2023 and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXXXXXX XXXX XXXX has not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently received a new Social Security Number and I am trying to provide it to Capital One. However, I have called Capital One and they refuse to allow me to update that information on my account without mailing or faxing documents containing my sensitive information to them.

These methods are both insecure and inaccessible, given that very few people own fax machines in 2024 and that mailing documents is not free. This is clearly a discriminatory process, and other options should exist to update my account Social Security Number.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I submitted my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

I was contacted by Convergent XXXX to inform me that my phone bill was delinquent, however this debt was cleared shortly thereafter due to an accounting error. I reached out to the debt collection company via the email address on the written notice they sent me, # XXXX, and I did NOT get a bounceback/mailer daemon failure, so I assume it was delivered. Upon requesting further information to confirm this debt as well as requesting confirmation that my case has been updated/closed to reflect the state of my debt no longer being valid, no replies were sent back to me despite me sending emails to them with clear requests and documentation to clear my case. This company did do a satisfactory job of clearly identifying themselves as a debt collector, as well as informing me of my rights to challenge this debt notice, which I have, but they have not followed up on the communication channels provided. It is of the utmost importance to me that I get written verification from Convergent XXXX confirming that my case has been closed/that the debt sold to them to be collected from me is no longer valid.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (UT)

I have been under a {$0.00} IDR repayment plan on my student loans serviced by FedLoan for 3 years. FedLoan has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months Fedloan will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

FedLoan reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments Fedloan reportes as on time by the total number of months reported under the loans ( which includes months where Fedloan reports no payment information ) the resulting on time payment calculation is misleadingly low.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I set up a paid service with Experian about 2 years ago. Recently I discovered I dont use this and the price is too high. I was sold on the ability to close my credit report when XXXX got hacked. 

There is no way to reset a password my email. There is no way to close my account via email. 

There are no people to help from the phone number. The auto prompt does not work. 

Since, I have tried to close my account 50 times. When I call in, they ask for ALL my information first, before im disconnected. This means entering my address and social security number over and over and over. I have entered every address that I have had in the past 3 years. I NEED SOME WAY TO CANCEL ALL PAID SERVICES. 

I want to cancel my Experian account. This is deliberate exploitation. PLEASE HELP ME
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I tried to do a loan modification with SPS. SPS is stated to me that the investor says I am not eligible. I next submitted a short sale and SPS had this in review. This account is an estate account. The home was owned by my son who XXXX XXXX XXXX XXXX XXXX XXXX. I was and still am living in the home. SPS did an appraisal which was very high so the buyer would not proceed with the short sale. After speaking to several SPS reps we were advised to redo a loan modification and if that failed then we could try a short sale again. Here is exactly was told to me on XX/XX/2019 " XXXX XXXX ( manager ) - stated that SPS has Power of Attorney for investor and they can decide what to review, they gave me a 60 day listing period for foreclosure protection and that even though theres not a sale date pending, its still in foreclosure and since they went past the allotted time they dont have the option to open a new Short Sale review. However, he did say that the loan modification review is an option and that at the end of that review whether or not its approved that a Short Sale review is an option at that time again if theyre denied or dont accept the loan mod approval. '' I spoke to XXXX  who is the owner of the loan and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules. This statement above stating SPS is doing what they want with having Power of Attorney should be against all CFPB regulations. SPS is hurting me and everyone involved in the short sale. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale. 

See attachment as well which page 1 clearly states a short sale is an option.
Consumer complaint received 2020-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted an Equifax dispute on XX/XX/2020 for two debt collections. One debt collection was for XXXX XXXX XXXX XXXX and the other for XXXX XXXX XXXX XXXX. Both collections were for the amount of {$270.00}. I have continuously checked the Equifax dispute center and tried emailing their customer care to remind them of their obligation to the FCRA. It has been 37 days and no results have been posted.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My concerns are : The loan was declined in spite of my Exceptional credit rating and solid financial standing Citizen One ran a credit check, leaving a permanent mark on my record The explanation given for the decline, APPLICANT 'S IDENTITY CAN NOT BE VERIFIED is not plausible because they did run a credit check. What part of my identity do they lack when checking into my private credit information? 

What happened : I visited the XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX to buy an XXXX. I wanted to participate in the Upgrade program, for which applying for the loan or using the XXXX Credit Card ( which I did not have ) was mandatory. 

I filled out the application on the stores XXXX and hit submit at around XXXX XXXX. Within about 60 seconds, the store Associate informed me that my loan application was DECLINED. 

He then gave me a phone number to call to try and find out why the loan was declined and to try and repair the situation. I called the number and navigated the voice mail tree multiple times, being placed on lengthy holds and ultimately concluding that no one at the loan company was available to answer questions. 

When I arrived home, I found an email time-stamped XXXX XXXX that said : Thank you for your recent application ( s ) for an XXXX loan with Citizens One. After careful consideration, we are unable to approve your request for the following reason : APPLICANT 'S IDENTITY CAN NOT BE VERIFIED If you have any questions, feel free to call us anytime at XXXX. 

The next day, I found that a credit check had been run by Citizens One. If they were unable to identify me, how were they able to hit up my credit, leaving a permanent mark on my record showing their inquiry? 

In my subsequent phone call to Citizens One, the agent stated that they would investigate if I was really interested. I said I was really interested. She said they would get back to me in about a week. I have not heard back from them in the ensuing 5 weeks.