davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was offered a job interview through XXXX  ( I have all the paper trail as proof ). I went to the job interview at XXXX XXXX XXXXXXXX XXXX XXXX, NY everything seemed very professional. The interviewer stated I would be working at various XXXX  as a XXXX. He then offered me the position which i was excited about based on what he was telling me. He took my information and stated i needed to pay an upfront charge of {$350.00} for uniform and HAZMAT training but that after my 90 day probation period I would be reimbursed. He stated XXXX would be the most secure method. He stated that after i sent over my physical I would begin orientation. Since then, I've emailed, called, appeared in person and this " XXXX '' seems to be of no existence. I was clearly scammed and in hopes that my bank would be there to cancel transactions and offer me reimbursement. The " company '' that charged me {$350.00} was XXXX XXXX XXXX XXXX. I searched the company and the person shown on instagram is the exact person who offered me the " job ''. I filed a police report.
Consumer complaint received 2020-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX i went online and paid my title loan off. I called and confirmed it was paid and inquired when my title would be mailed. So moving ahead 2 days i. Checked my account and XXXX dollars was gone. i immediatly called and the i went to the XXXX store on XXXX XXXX and they passed blame to the collection agency. But i never spoke to the collection agency my title was not in jeopardy. So how did thy get my information? Next i spoke with the collection agency and they said my i fo was on file and was authorized as auto pay. No. i just got that card a week ago and used to pay that bill.i told them that was my money for the next two weeks and I want a refund. And were going through this PANDEMIC and you just taking money out of peoples account without authorization, without a courtesy call or letter. They had the nerve to offer me a loan. REALLY. Its not right Landlords cant evict you, Electric companies are not turning off people lights but they can take my money. Now of all times. I dont know how im going to make it the next two weeks. Please help me get my money back.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX  OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Neon Newco Corporation (AZ)

Claim Number : XXXX Dispute Number : XXXX On XX/XX/2020 I sent {$400.00} to XXXX XXXX XXXX XXXX XXXX for a ticket to the Oscars award ceremony. I latter found out that it is a scam! 

On XX/XX/2020, I filed a complaint with Skylight Financial Inc. a XXXX XXXX. On the phone with the representative, I explained that i did make the transaction, but latter found out that its a scam. I was asked to put my complaint in writing also and e mail it to : XXXX. The funds of {$400.00} was credited back to my account as a provision, until the investigation was complete. Skylight Funding Inc. Investigated the matter as if I said I never authorized the trans action, WHICH IS NOT TRUE. I Never said that I didn't make the transaction, I said that I did make the transaction, but latter found out that its all a scam! The {$400.00} provisional refund was taken out of my account. 

On XX/XX/2020 I called Skylight Financial Inc. and spoke to supervisor XXXX employee number : XXXX Who said that, the investigation would be reopened and someone from the fraud department would call me in 3 days. NO ONE CALLED ME! 

On XX/XX/2020 I called back and spoke with XXXX employee number:XXXX. I explained the whole situation again to her ( XXXX ) who also told me that, the investigation would be reopened and someone from the fraud department would call me back in 3 days, NO ONE CALLED!
Consumer complaint received 2020-04-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that USBK COURT EASTERN MICHI and or public records verified the account they are reporting is accurate.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-04-15
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2022-12-30
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (WI)

I purchased an American Express Serve card. I never received the permanent card because I moved two days later. I have tried numerous times to call them, but NOBODY EVER ANSWERS. I just want my money back.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

My stimulus check for {$3400.00} was deposited in my bluebird American Express account on XX/XX/2020. I was able to withdraw XXXX of it that day but when trying to purchase things shortly after my card was declined and now my account is locked and have been trying for days to reach them. Spending hours on hold Not only can I not get access to my stimulus check but check is direct deposited to and now I have no available funds
Consumer complaint received 2020-04-15
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. (OH)

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX   XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted  without delay.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX A XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX   data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TX)

I have a vehicle loan with CarMax Auto Finance. According to the statements I've received in the mail, it appears my last 2 payments have not been applied to my account. I would imagine protocol is the either apply the payments to my account OR return them. They have not been returned. I have attached screenshots as well as pictures of the receipts of the payments issued to CarMax. One screenshot is for a {$1200.00} payment I made via my mobile  banking app back on XX/XX/2020 - which was delivered to CarMax on XX/XX/2020. I've also attached a picture of the USPS money order receipts for the money order payments I mailed to the address listed on their website for mailed payments on XX/XX/2020 ( CarMax Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, IL, XXXX ). One is for {$1000.00} and the other is for {$400.00}. Again, it appears the online banking payment nor the mailed payments were applied to my account, and neither have been returned to me. CarMax has continuously harassed me with phone calls, where their agents allege they can not find the online banking payment I made, even after I provided them the transaction ID my bank gave me. They told me to communicate with my bank to trace the payment, and of course tell me every other word that " the vehicle can be picked up at any time. '' I already confirmed with my bank that the transaction ID is all CarMax needs to trace the payment, but again, their agents still claim to be unable to find the payment. The last agent I spoke with said she would try to track down the payment and I needed to call back in a few days. During this entire time, my mobile app and online account access have been suspended so I can no longer make payments with those methods ( like I normally do ). This makes it that much harder to see what I actually owe / owed and when. I do not trust what their telephone agents have told me, and any company that suspends online account access is clearly trying to cover something up. I believe they're intentionally " misplacing '' payments so as to continue to report negative information to the credit bureaus and tack on extra fees.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Cell, XXXX XXXX Home phone XXXX United States Congressman , Mr. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : VA Loans and Refinancing To the Honorable , Mr. XXXX XXXX During this global pandemic the fact that your congressional office actively reaching out to our community at this time is very reassuring. 

Early XX/XX/2020, I applied for a VA refinancing loan from Union Bank. At the onset of the application I was advised not to include the income that I received for hosting an exchange student at my home. 

My VA refinance application ( Union Bank Loan Number XXXX ) has been pending over 90 days without resolution. I have paid my own appraisal fee and pest inspection fee prior to the latest closing disclosure dated XX/XX/2020. 
My cash out has been reduced from {$80000.00} to {$19000.00} with the same monthly payment. Most of the XXXX Veterans ( like myself ) own one home and has lived in XXXX County for a long time ( 39 years ) and subsist on their VA XXXX as their primary income. I ( enjoy ) hosting international students as supplementary income for the unexpected expenses and I have been hosting for 10 years. 

I applied for my loan before the pandemic and I am grateful that financial institutions are in place, making loans and providing general banking needs, however, I do not want people losing their homes to fancy math. I have lived through the US predatory loans era and the market recession of XXXX. 

Every eligible veteran applying for a VA loan should be entitled to the lowest interest rate loans on the market. Ive owned my home for 15 years, never late on my mortgage-yet the loan process has taken more than 90 days to get the loan to the disclosure stage. 

I am praying for the ( VA ) loan process to be streamlined and fairly dispersed, so that individuals like myself can prepare for our families within this pandemic. 


Sincerely XXXX XXXX My questions Is it true, that as the interest rate has been lowered, Union Bank charges a higher interest rate for refinancing VA loans? 
Ive paid for my VA appraisal {$600.00}, pest inspection {$150.00} and re-inspection {$99.00} as I have filed this complaint can they cancel my loan? What protections from retaliation does a borrower have? 
Every time a closing disclosure is issued does that cost the borrower money?
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Called XXXX at XXXX XXXX XXXX and was told to mail my proof to : CAPITAL ONE XXXX. XXXX  XXXX XXXX  XXXX XXXX, UTAH XXXX Re : Rewards Dispute Which I did around XX/XX/20 LETTER I SENT THEM WITH SCREENSHOT OF PROMOTION : APPEALING DISPUTE - NEED REWARD ADJUSTED XX/XX/2020 THIS ( in the screenshot on the page Im providing ) is the ONLY card I applied for and the only offer I want. 
I always take a screenshot in the event something like this might happen. If we can not resolve this, I will be seeking help from the Consumer Protection Bureau.

Please adjust my one time cash reward accordingly, to be {$500.00}, not {$300.00} as they credited me. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( Cell ) Before that I CALLED CAP ONE ON XX/XX/XXXX @ AROUND XXXX XXXX CST. Spoke to EID # XXXX XXXX. She said she escalated this to her supervisor and it should be adjusted by XX/XX/XXXX. Nothing happened. 

Called again and spent 1:47 hours and minutes with no results.
Consumer complaint received 2020-04-15
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}
Consumer complaint received 2020-04-15
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}
Consumer complaint received 2020-04-20
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. (NJ)

I submitted a compliant against Equifax through your agency ( cfpb ) which Equifax responded as follows : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products.The company writes results were mailed to me. 
However in their letter dated XX/XX/19, they ask that I send Information I already sent via certified mail as it relates to my identity. They also failed to address all of my concerns. None the less they updated my address information. How is it they can use the information I sent to update an address yet write in their correspondence they are unable to locate a credit file in their database with the information I provided.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

I had to leave my job in XX/XX/2019. I exhausted months searching endlessly for employment. During this time, I was unable to pay my Discover card debt. 
Months later, I spoke to a representative about my situation. 
My payments were reduced and I am on a payment schedule. 
However, due to Discovers ineptitude, I received a call that my {$35.00} payment was not received even though Discover has my bank account information, and the money was available. I received a string of harassing phone calls from a malicious discover representative. 
The issue was resolved and it happened a second time with my monthly payment. I received another call from a malicious representative who hounded me for a payment that Discover supposedly didnt receive.

I called a second representative later to complain that I am being harassed during a pandemic, especially since I already have been experiencing financial hardship. Also, it is not my fault that the payment was not received. It is Discovers fault that the paym
ent was not receive. Today I have received repetitive phone calls from the predatory vultures at Discover.

A word of caution to anyone who is considering using this despicable company : this company epitomizes greed and maliciousness.
Consumer complaint received 2020-04-15
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 recently went over my credit report and I was shocked to see that there is an inaccurate inquiry being reported on my credit file. This derogatory inquiry is not mine and I have no knowledge of this inquiry. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have this derogatory inquiry removed off my credit file