davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XX/XX/XXXX my husband had his biweekly pay submitted into our Bank of America checking account and later we tried to use our debit card and it was declined. That morning I tried to contact them and was informed that they have closed our XXXX checking accounts and we don't have access to our funds and that the file would be evaluated on XX/XX/XXXX and the funds would be sent to us via a cashier check that day. I waited until Friday XX/XX/XXXX to contact them again because we still hadn't received the funds and I was informed that it was going through the closing process until XX/XX/XXXX. All of our money was tied up in these accounts and has created a great hardship for my family. We weren't informed by until Wednesday XX/XX/XXXX through mail that they were closing the account for us to make changes to our direct deposits that went into that account
Consumer complaint received 2020-12-04
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. (CA)

The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 7 ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX Account # XXXX Inquiries : -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
Consumer complaint received 2018-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I received an email on Friday at XXXX EST that I had upgraded my XXXX account. I immediately logged in and changed my password and tried to void out the upgrade. Unfortunately my PayPal was already charged. Shortly thereafter I received a notice that I had " forgotten my password ''. I disputed the charge with PayPal, because it was an unauthorized charge, but they claimed it was an authorized charge because I had an agreement in place with XXXX. The only thing I could do with XXXX was change my password and cancel my account. I reached out to XXXX and informed them of the unauthorized transaction and they said there was nothing they could do to issue a refund because PayPal had charged me.

As a result of both of my complaints, both PayPal and XXXX refused to issue a refund for the unauthorized transaction.
Consumer complaint received 2022-11-30
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: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/22 I was sent an email solicitation for application for a XXXX AmEx and I would receive XXXX bonus points. 
I needed to spend {$6000.00} within 6 months which I met and exceeded. 

I then received XXXX points and when I questioned the shortfall I was told thats all Im entitled to! 
I provided the email and it has been under investigation until this morning when I was told that my bonus would only be XXXX! 

This is a bait and switch practice which seems to be a corporate strategy. 

I have the email offer sent XX/XX/22 and would be happy to provide. 
I have attached the relevant part since I cant figure out how to send the email
Consumer complaint received 2023-01-17
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. (TX)

See attachment Other Inquires I didn't authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXXXXXX 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 an 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not give consent/permission to run my credit I am writing to notify you of my election to have my name and address excluded from any list provided by your agency under subsection ( c ) ( 1 ) ( B ) of the Fair Credit Reporting Act in connection with credit or insurance transactions that are not initiated by me. 


XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-06-13
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. (OH)

I have contacted XXXX XXXX XXXX XXXX multiple times and they're still reporting inaccurate information on my credit report. They're reporting that the account was discharged in a bankruptcy in 2017. However, the vehicle listed in this account was paid in full by insurance. I have all documentation from the insurance company showing proof of payment. I have reach out to the XXXX XXXX XXXX, and I have got an attorney involved now if this is not corrected immediately.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX loan modification process began with Wells Fargo Home Mortgage Inc. Consistent delays by Wells Fargo increased my initial home mortgage of {$100000.00} to a modified loan of {$140000.00}. Every month the loan modification was delayed inflated the mortgage amount. 

TIMELINE : XX/XX/XXXX - foreclosure notice was received and I retained XXXX, XXXX and XXXX, ( XXXX ) as my attorney to assist with the loan modification process. NOTE : XXXX has all documentation. 

XX/XX/XXXX - first Mediation meeting - Wells Fargo did not attend. I attended with my attorney. 

XX/XX/XXXX - second Mediation at which time Wells Fargo had no information as to the modification and advised and a new form was required that they had not sent me. 

XX/XX/XXXX - Wells Fargo did not advise my attorney that a loan modification was approved. 1 ) HARP approved a permanent home loan modification, however, Wells Fargo did not present this information to my attorney who only learned about it in XX/XX/XXXX ; 2 ) Wells Fargo changed attorneys was the reason given why we were not made aware of the HARP approval ; 3 ) since we were not aware of the HARP approval, the HARP/TPP was not made and therefore the loan modification process had to start over. 

XX/XX/XXXX - I agreed not to block the foreclosure with the understanding that Wells Fargo will continue to work through the loan modification process. 

XX/XX/XXXX - my attorney was advised that the loan modification had been approved and the foreclosure was stopped. 

XX/XX/XXXX through XX/XX/XXXX - repeated calls to Wells Fargo requesting information as to the permanent loan modifications and documents.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (MI)

Hi there, I made a transfer via ACH wire at XXXX XXXX XXXX to repay a debt amount back to a XXXX XXXX another Wise user into their USD account. 

I did transfer the money from my account which is XXXX XXXX XXXX, the account is linked with my XXXX wise account ending in XXXX. 
They rejected this payment as it did not match the name XXXX, in which I stated that XXXX is the head company and no bank accounts are associated with this at the present. 
I explained this and sent all documentation explaining this with my ID, bank statements, and closing docs for the property sale pertaining to the loaned funds being retuned. 
After some back and forth they finally accepted this and issued a refund. 

I have been waiting for my refunds of {$24000.00} USD to be retuned. 
All the help center can tell me is that the refund has been actioned and will be returned to the original source. 

I have been waiting for these funds to be returned for over 30 days. and I feel they are just stringing me along. 

they only correspond now with email and no contact phone number. 
I have used this company for multiple transaction across the globe however this is the first ACH transfer I have ever done with them.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received a phone call from Bank of America. They informed me that my account had been hacked and closed. They labeled me a " liability '' and said i I was going to be unable to open another account with them, and moved onto a set of questions. Asking for my social security card number over the phone, which seemed illegal to me, so I refused to give that information to the person whom called me. So I ask the who, what, when, where and why of things and ... no answers. They said they could not disclose that information over an open line and told me to come into my nearest Bank of America the next day. Long story short, all I got the next day when I got there and spoke to the bank manager was one phone number to the risk department. Called them and they said my account was not hacked so they don't know why it was closed or why the manager would lie to me about the issue. Basically, no answers from them either.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I got hired the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my XXXX XXXXXXXX XXXX online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that I found the paycheck got chargeback and I found it is fraud. 

Because their bank account is Chase bank, I withdrew that {$3300.00} from my XXXX XXXX XXXXXXXX account and went to Chase bank to make a cash deposit. Chase bank teller told me they can't make a cash deposit directly from me to someone's account, so they did put my money in my Chase bank account first and wire the money to their account. After I know everything. I called to Chase bank and explained what happened, but they told me they can't cancel the transaction because I authorized that transaction. 
I have the scammer 's chase bank account information.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2018-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices Howard Lee Schiff, P.C. (CT)

Law offices of Howard Lee Schiff sent me a letter stating I owed XXXX 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of Howard Lee Schiff and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

on XX/XX/2022 I was out shopping in XXXX XXXX XXXX near my home in XXXX XXXX  I then proceeded to fund my chime debt card with {$100.00} so I can pay upcoming bill but later that day I received notifications that card was used so I called chime as soon as I saw the notification on XX/XX/XXXX they said that I can not file dispute because the transaction need to be posted to I saw it was posted on the XXXX so I called them back and filed dispute I was then notified in less than XXXX hours that my claim was denied when I contacted they said I need supporting documents so I send my location history from my XXXX  XXXX account then still my claim was denied saying that isn't snuff I then sent my other banks account statement that I used to pay for the XXXX and in XXXX but was still denied saying that they came up with there answer because my pin was not changed { but pin was not used in transactions } and I funded my account prior too the charges, how is that more proof than what I have submitted, I heard by a ex employee that chime does that to certain XXXX and keeps the funds for themself, please help this is not right I will provide email that chime sent and I will provide the information I povided to them there are multiple more XXXX I found who has had similar cases or the same cases please look into chime there are scammers I messaged the ceo and XXXX and none of them care to respond, this situation needs a class action lawsuit and that's my next step if I don't get this issue resolved
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX