davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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)

I am a victim of Identity theft. My ex husband had my information and opened a bunch of credit cards in my name. I never had the need for credit until I needed to utilize it to purchase my first rental property. I contacted the consumer reporting agencies and they disregarded my dispute. They are supposed to block and remove all the accounts as indicated on my Identity theft report and have disregarded me. This is defamation of my character as I never opened these accounts in my name. My ex husband has left the country and has left me with all of this fraud. I have so much fraud on my report I don't know what to do.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC # XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and Equifax is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

My repayment terms are wrong. Based on my loan amount, my loans should qualify for 30-year repayment. I've called and e-mailed several times and can't reach them. 

*I called on XX/XX/XXXX on my lunch break and was on the phone for an hour. The rep couldn't help me and said her computer was down. She transferred me and I was eventually hung up on. Full records and call logs available. 

*I then called back at XXXX XXXX ( XX/XX/XXXX ) and was on hold for 31 minutes and could never get through. Full records and call logs available. 

*I sent an e-mail message that same day at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

Could someone please address my question so I can make the CORRECT payments. The current payments are too high. My repayment terms should be 30 years. You are just sitting on your hands doing nothing and all you want to do is try to ruin my credit score instead of facilitate a successful repayment. Full records and call logs available.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (PA)

I had a previous complaint with complaint # XXXX. 

The previous complaint was related to not being able to access {$3000.00} that I purchased using a company called Reloadit and it's parent company, Blackhawk Network. 

For the original complaint they company said that they would send me a refund check of {$3000.00}. 

The check that they sent was fraudulent with a routing number that doesn't correspond to an actual bank. I called the bank listed on the check and they stated that the routing number is not related to their bank and that it is not related to any bank. 

I am requesting a full refund amount of {$3000.00} with an actual check from an actual bank.
Consumer complaint received 2019-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Second complaint regarding this months payment. They misapplied my payment then wouldnt fix it. Called the company and they stated they couldnt fix the payment until after the due date, but that It would be fixed and that the entire payment had been made and that I didnt owe for the month. Well the payment was fixed but to my surprise I receive an email last night saying my payment was overdue. I login and its overdue for {$5.00}. How is this possible when I overpaid this month? How is this possible when the person on the phone said I was paid in full for the month? Its also saying that I will be charged a late fee. Why is this when your phone rep told me nothing was due?
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX my card ending in XXXX was stolen. I reported it stolen on XX/XX/XXXX and the card was closed. A new card was issued and my privacy preferences were set to not allow merchants to be given the new card number and no transactions on the card ending in XXXX were to be transferred to the new card. This should never have been done as it violated my privacy preferences elected and the charge was made on a card which was reported stolen and closed. 
Despite these precautions being taken on XX/XX/XXXX XXXX XXXX XXXX XXXX processed a charge for {$1700.00} on card XXXX which had been reported stolen. The card information was manually entered according to CitiBank. Upon notifying Citi Fraud Operations of this unauthorized transaction, Fraud stated it was a billing dispute and not a fraudulent transaction because I had previously done business with the merchant. This seemed extremely wrong, however they transferred me to billing disputes. Billing Disputes opened a dispute case and issued a temporary credit. 
on XX/XX/XXXX Citi reversed the temporary credit stating it needed to go to billing disputes and forwarded the case to security operations. Upon speaking with security operations on XX/XX/XXXX they stated the case was a billing dispute and transferred me back to billing disputes. Billing Disputes transferred me back to Security Operations. This went on for close to 2 hours. Finally I requested to speak to a manager, not a supervisor. This request was denied and I was told in order to have this and the any disputes looked at I would need to write in to the office of the president, which I had already written into. 

Case XXXX Case # XXXX was previously filed after my personal financial information was compromised by a local hotel and reservations under my rewards account were made without my knowledge or approval. Subsequently charges were made on XX/XX/XXXX and XX/XX/XXXX for hotels and XXXX were reported fraudulent as well. Citi stated the charges were valid because I had done business with the merchants before. This was Citi 's decision despite being very aware I was not even in XXXX, TX ( the city where the charges took place ) as I was already traveling for the holidays and having issues paying for my hotels in other cities as a result of the fraud charges and card being closed. My new card was even sent to my father 's home in XXXX XXXX, TX. 

I have written in, supplied complaints filed with the justice department, and Texas attorney general, as well as replied to all letters from Citi well within the time allotted with all the information requested.
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

There was an account opened from Capital One back in XXXX that I disputed from identity theft. Capital One closed the account on XXXX. In XXXX, I started receiving calls from " XXXX '' and all came from XXXX XXXX asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from Capital One showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On Friday XX/XX/XXXX I searched in the web XXXX for a XXXX XXXX which was listed for sale. I called the telephone number XXXX and talk to XXXX and XXXX about the details of the truck and price. They texted picture of XXXX XXXX XXXX XXXX model which I like the specification and price was agreed for this truck was {$15000.00}. XXXX whole sales company emailed the invoice for {$15000.00}. On XX/XX/XXXX XXXX called me and asked for {$2000.00} to security deposit to secure the truck. I paid {$1900.00} through Chase Bank telephone app XXXX. On XX/XX/XXXX XXXX called and asked to pay {$2000.00}, I paid through Chase bank telephone app XXXX, total payment of {$3900.00} to XXXX for the cost of truck. 
XXXX said they have two office one in XXXX XXXX XXXX, XXXX, TN XXXX and other is XXXX XXXX XXXX XXXX XXXX, CO XXXX and truck is located at XXXX, Co. On XX/XX/XXXX we flew to XXXX to pick up the truck. But we realized that we lost {$3900.00} because there is no company, no truck it was a fraud company. The following telephone number they used : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, they have two web sites XXXX and other one is XXXX. I contacted XXXX and Chase Bank fraud department but both refused to help me for the losses I incurred
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Best Buy Credit Services, Citi Bank. Morally Bankrupt? 

First off, I think it is safe to say a {$60.00} fee on {$500.00} line of credit is outrageous. I think this fee is purposely more than the minimum payment so Citi can accrue interest on it by spreading the payment out over multiple months for customers enrolled in autopay. 

In XXXX I purchased a laptop on the CC to help with online classes I was taking at the time.I made several other purchases over a 6 month time frame. 

In XX/XX/XXXX I paid an annual fee and asked for the account to be closed, the customer service rep convinced me to keep the account open, as a favor she would reduce the amount I owed. To paraphrase, she explained it was in my best interest to keep the account open since the fee was taken care of. Understanding that closing a credit card could harm my credit, I enrolled in auto pay at that time. 

In XX/XX/XXXX an automatic payment was applied to the account for the XXXX annual fee but not for the total amount, I switched banks between XX/XX/XXXX and XX/XX/XXXX. The next month the payment failed. 

I have another account with Citi that I was current on this entire time. 
I called in late XXXX to close the account and I thought this brought me to a XXXX balance but apparently I was mistaken. 

As of XX/XX/XXXX my credit report reflects the account is closed by the creditor. Late payment of over 90 days balance of {$150.00} that Citi forgave and did not send to a collection agency. 

As a result my credit score was dinged about 80 points from around 705 to XXXX Citi employee XXXX of Best Buy Credit Services team # XXXX denies that it was predatory to offer to reduce my balance if I would consider keeping the card open in XXXX. Citi also denies that a {$60.00} fee for a {$500.00} line of credit is predatory because I could have requested a credit line increase at any time. Citi claims that as a young person I am a credit risk and thus a {$60.00} fee is justified.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Hello, Navient is reporting 11 months past due for student loan accounts. The months for past due are listed from XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. 

However, I informed Navient of deferment requests multiple times. My first notification occurred in XX/XX/XXXX, requesting deferment due to economic hardship. Their company was notified and provided documentation of my financial situation. I have lived in poverty for my entire life. My income is typically {$12000.00} per year. My XXXX son prevents me from working full time. 

To resolve the problem, I have contacted Navient and provided proof of my economic hardships. As proof, a statement showing government aid for food stamps was provided from XX/XX/XXXX thru XX/XX/XXXX. I have been on government assistance for food most of my entire adult life. In addition, I have filed disputes with the credit bureau agencies but have not been successful.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome
Consumer complaint received 2017-08-24
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. (OK)

Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have an existing mortgage with the Golden-1 CU in CA. I recently attempted to procure a rate-reduction mortgage refinance ( from 5.5 % to 3.5 % ). I saw the G-1 's published rates steady at-or-about the 3.5 % level and initiated the process only to be told those rates were for " purchases only '' and not refinancing. I was shocked by this response and began researching rates more broadly only to discover refinance rates are significantly higher and it is now the norm for lending institutions to blatantly discriminate against citizens wishing to refinance. As someone who worked in mortgage finance most of the 1980 's and has been a real estate executive in CA state civil service for 27 years, I know the majority ( if not all ) conventional fixed-rate mortgages are sold secondarily into XXXX/XXXX ( qualifying ) tranches based on " risk '' ; defined by income, debt ratio, and LTV. The market is, in effect, discriminating against the lowest-risk borrowers who, like me are higher-income/low LTV families pursuing payment, which makes the loan even less risky. This discriminatory practice is just WRONG, and it should be stopped immediately.
Consumer complaint received 2020-02-12
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)

Experian is in Violation for of FCRA rules, and FDCPA. ( Please see detail attachment ) Experian is currently reporting damaging information on my credit report. 
As it appears on my Experian credit report : XXXX XXXX   XXXX Account # XXXX In Violation for not reporting last date of payment ; .account must be removed : as it appears on my Experian credit report : XXXX XXXX  XXXX currently reports inaccurate last date of activity, a violation ; delete account. 

: As it appears on my current Experian credit report. 

: XXXX XXXX  XXXX currently reports inaccurate last date account has been updated. 

Please delete account for reporting inaccuracies.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.
Consumer complaint received 2017-08-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (IN)

Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NY)

I attempted to make a purchase on XX/XX/XXXX with my credit building card. It was declined and I used a different bank account. A few hours later the transaction was on hold. The funds of {$74.00} were moved from my account as well as the pending transaction. I was not given my money back. Chime has it, and has made me file a dispute, that will expire in XXXX. They are not sure if the funds are eligible to be returned.