davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (IL)

Stearns lending customer support phone number XXXX has been unreachable for at least five business hours on XX/XX/XXXX from XXXX-XXXX ET. Additionally, their XXXX login for my account mysteriously stopped working on XX/XX/XXXX with no ability to reset the password online without contacting customer support - again which is down. Stearns lending failed to implement escrow payments for my taxes and insurance as previously set up on my mortgage when it was transferred to them in XX/XX/XXXX. This caused late tax payments in XX/XX/XXXX which I had to pay out of pocket. The escrow setup for my taxes and insurance was attempted to be resolved in ticket XXXX on XX/XX/XXXX. After receiving no response I emailed them again on XX/XX/XXXX. I ultimately had to contact them via phone to resolve the situation - which they still proceeded to fail set up escrow for my insurance. Unfortunately they still have not correctly set up my insurance payments and it has lapsed. Due to these multiple inabilities to provide basic loan servicing I am registering a formal complaint due to time spent and financial burden I am incurring due to their failures. I currently have a new ticket XXXX regarding requesting again the escrow setup for my insurance.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX is fraudulently charging me {$2400.00} for a hotel reservation that On the XXXXXXXX has no record of. XXXX  lied and told Wells Fargo that I cancelled the reservation, and told me that I used the reservation, however neither is true because On the XXXX had no record that I had a reservation to begin with. It is in fact a duplicate fraudulent charge for a XXXX bill already paid to XXXX XXXX 

Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my actual stay. 

On XX/XX/XXXX XXXX  XXXX  refused to give me the room type I booked, a suite with two separate beds for me and my adult son in XXXX XXXX ( XXXX XXXX ). They overcharged me for a suite but gave me a much smaller room with one bed only and no bed for my adult son. I immediately submitted an on-line request ( which is allowed according to their policy as stated on their website ) for them to fix their error which they denied receiving but admitted through XXXX chat. 

I contacted On the XXXX  on XX/XX/XXXX ( to fix the reservation ) and they told me on XX/XX/XXXX that there was no reservation from XXXX  so I made a reservation for the same hotel and dates with XXXX ( which I paid ) otherwise I would have had to cancel my 14 day trip ( I had already booked plane tickets for XXXX leaving from XXXX on XX/XX/XXXX and we would have had no place to stay in XXXX ) XXXX 

I filed a dispute with Wells Fargo and XXXX  told Wells Fargo that I cancelled the reservation and then they contradicted themselves and told me I used the reservation, neither of which is true, as XXXX XXXX XXXX told me I had no reservation to begin with. Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my stay. To add insult to injury Wells Fargo instead of helping me is charging me finance fees on this fraudulent charge which I have not paid.
Consumer complaint received 2022-09-28
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Experian to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The problem Am having with XXXX is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights
Consumer complaint received 2024-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I called my loan provider Navient in XXXX. They said wait to XXXX to renew my lower payments I called in XXXX they said I had to miss a payment in order to qualify for lower payments I called in XXXX they told me that the previous information from XXXX and XXXX were wrong and that I do not qualify for lower payments anymore. I cant afford to pay the payment in full at one time as a result, they are calling me six times a day every day even when I asked them not to call me I am aware that I owe and Ive been making payments. They are still calling me six times a day every day.
Consumer complaint received 2022-09-28
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-01-27
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. (MO)

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 several student loans accounts with XXXX  all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
Consumer complaint received 2022-01-27
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. (MO)

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 several student loans accounts with Navient all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct it.
Consumer complaint received 2022-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yamaha Motor Finance Corporation USA (NC)

I went into contract with YAMAHA MOTOR FINANCE on XXXX, with finance amount of {$3100.00}. for 60 months which would be duration date of XXXX. It wasn't until of the global pandemic that I started to have issues with payments from the months of XXXX and they came to repossess in XXXX which I was under the impression that due to COVID19, the company was allowing you to catch up. However, my unit was repossessed in XXXX, in order to get my unit back, I had to bring the account current plus repo fees which was paid on XX/XX/XXXX in the amount of {$1000.00}. That amount brought my account current and the remainder of the loan was still due, I never took a settlement nor did I pay less than the full amount owed on this account. I have called Yamaha Finance several times and submitted several disputes and they are reporting this as " settled for less '' which is not accurate. I never once agreed to settle, this account should be reported as paid in full or be deleted from XXXX, XXXX, XXXX credit reports immediately. I have asked them to provide written statement/proof that I did not pay this full amount or settlement and they have not as of date. I have also requested full payment history that shows I paid a total of {$4.00} and I have paid this off before contract duration date.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (FL)

My checking account was defrauded of over {$3000.00} in a single unauthorized ACH Debit transaction. The impersonator had been able to submit ACH transfer from my account as debt repayment. 
I contacted XXXX XXXX XXXX  ( my banking institution ), and they reimbursed me for the loss. 
This type of fraud seems to be a systemic issue. 
Such unauthorized XXXX XXXX transactions should not be possible. 
There must be text a phone call confirmation with the account holder prior to a debit transaction execution. 
Please help protect consumers from this type of fraud. 
XXXX XXXX request was received from Union Bank by some XXXX XXXX. 
I am not sure how criminal charges can be brought up against this person.
Consumer complaint received 2022-04-11
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. (VA)

On XX/XX/XXXX I reached out to XXXX because TransUnion stated they verified this Acct. as accurate. I spoke with XXXX XXXX, Rep. and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the Rep what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that XXXX Remove this negative reporting from my Credit Report.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (GA)

XXXX XXXX XXXX XXXX engaging in Unfair Deceptive Abusive Act or Practice ( UDAAP ) regarding paper statement fees. The employer I work for, XXXX, is in the process of transitioning our accounts from an old to new XXXX ( Health Savings Account ) both with Optum Bank. I was charged a paper statement fee on my new account today, XX/XX/2022. I called Optum Bank/Financial on XX/XX/XXXX to ask them to turn off paper statements, as I had already signed up for electronic statements with them on my old account and expected the same would carry over. ( 1 ) The customer service agent with Optum told me that my prior selection to have paper statements does not carry over to my new account, which makes no sense with the HSAs both being with the same company. I promptly told the agent I wanted paper statements turned off again and asked him to refund my fee. ( 2 ) The customer service agent said it is company policy not to refund this fee and that nothing can be done and while he would like to help me. Management would not allow or approve of refunding this fee. Ask to pull the recording of my call to confirm. ( 3 ) The customer service agent told me instructions to turn off the paper statements again and information on the fees would be included in my XXXX statement, which has not even yet been received by me. In short, Optum is charging me a fee without giving me the appropriate notice and time to avoid being charged the fee. 

Regardless of the fee being only {$1.00}, Optum Bank/Financial is acting. I have looked on the XXXX employee message board this week ( the week of XX/XX/2022 ) and Optum Bank/Financial has committed this UDAAP not only to me, but to thousands of other XXXX employees that also have HSAs with them. This would result in thousands of dollars in fee income for Optum, which is the root motivation for the company taking advantage of customers, like me, that don't have a choice and have to use them since this is who my employee chose for my company to use for their HSAs. I am asking for the CFPB to hold Optum Bank/Financial accountable . If necessary, a Consent Order should be used to make sure the company must not only lose the fee income they earned from engaging in XXXX when charging customers in the manner they do, but also hold Executive Management at this company accountable for their actions. It is unacceptable to be charging not only XXXX employees for a paper statement fee without giving them the proper notice and timeframe to opt out of paper statements, but any and all customers. This is clearly a deceptive tactic to make additional fee income.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

I have a credit card with Macys stores and on XX/XX/XXXX I returned merchandise to Macys and so the balance on my account was a credit of XXXX dollars and that means Macys owes me XXXX dollars On XX/XX/XXXX I made a purchase for XXXX dollars and so the balance should update and XXXX XXXX dollars credit on my account but when I received my statement the balance was that I owe macys XXXX dollars and the credit for XXXX dollars was NOT showing but this is wrong. 
Macys owed me XXXX for a returned merchandise and then I made a purchase for XXXX dollars so then Macys still owes me XXXX dollars but they are asking me to pay XXXX dollars and that is completely WRONG.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

I have sent money to Binance.us to trade crypto currencies and it was letting me trade my {$2000.00} USD that I sold of Ethereum to buy Dogecoin. I sold the Dogecoin and now they locked my trading or withdraw ability claiming I have not " Verified my Address ''. This has been going on since XX/XX/2021, goin on a month now. I have sent bank statements, utility bills, ID drivers license, and any other document that shows my billing address which is my XXXX XXXX and my physical address of where I live and they still haven't given me access to my funds. 

I have tried to reach this company through their ticketing system, and I get automated responses that do not lead to any answers. When I submit a document they reject it. I have emailed XXXX XXXX ( XXXX ), and XXXX XXXX ( compliance and risk manager ) twice and they have not responded to anything. 

I have messaged the XXXX " Binance.us support team '' and no response to multiple messages. 

I need to withdraw my money from this account because the platforms staff have been disregarding me and causing a hardship on getting my funds back.
Consumer complaint received 2022-09-28
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$730.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX*Balance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$2100.00} XXXX XXXX*Balance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}
Consumer complaint received 2022-01-27
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: Amsher Collection Services, Inc. (TX)

I was taken advantage of due to malpractice. While several XXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.