davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp (AZ)

In late XX/XX/2021, after being released from hospitalization due to XXXX related health issues, I discovered that someone had stolen hundreds of dollars from my checking account via fraudulent charges from XXXX. While hospitalized, I did not have my computer or phone with me, and this is the first time I became aware of these charges, which span XXXX and XX/XX/2021. After filing a dispute with XXXX for every charge ( all disputes were denied, without reason given, and the appeal was also denied ), I filed a fraud affidavit with my bank, formerly XXXX XXXX and now, Lending Club. I called to file the complaint and included all fraudulent charges and included some key facts ; 1. During the period in which I incurred the charges, I was either very sick at home or hospitalized ; and 2. The only XXXX product I have is my XXXX which I did not possess at the time of these charges. In fact, in mid-XXXX XXXX, I sent the phone to my insurance carrier since a damaged battery needed to be fixed. I did not receive the phone back until I was back from the hospital in late XX/XX/2021. These charges were all made from XXXX Applications, and, again, besides the XXXX, I do not own any other XXXX products. I filed two fraud affidavits for the bank under penalty of perjury on XX/XX/2021. I also sent screenshots of each of the 193 fraudulent charges that were charged to my XXXX account. I was told that it would take the bank up to 90 days to complete an investigation, but there would be provisional funds in my account within 10 days. Yesterday, I realized that my bank balance was {$.00}, I had not paid my phone bill and was unsure how I would feed myself for the rest of the month or get medication ( I do have an SSDI status, of which I informed the bank and am on a strict fixed income. ) I sent an email to the bank, as it was after business hours, to which I received no response. Today, XX/XX/2021, I called the bank and asked for an update. I was told that my claims were ALL DENIED and a letter was sent dated XX/XX/2021. I never received such a letter. I'm also curious as to how all 193 claims were reviewed and discarded within 48 hours! I asked the customer service representative for a reason, and she stated none was given. Further, she could not find a copy of the letter that XXXX allegedly sent to me. I am beside myself. I have had identity theft issues for years now, many of which your agency has helped me with, and I am sick of going through this. If I did NOT have the phone in my possession, as I again attested under penalty of perjury, how could I have personally racked up these charges? I need a resolution asap so I can buy food and my medication within the next few days.
Consumer complaint received 2022-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Meritize Financial Inc. (NY)

I am asking for proof of payment of my Loan provider ( meritize ) to my college ( XXXX XXXX  ) but They are not providing me the proof. I have been paying Meritize my loan for the last 4 years and still paying on time. i am getting no response from Meritize.

beucause of this, i am getting my certificate from my College. i called many times to Meritize XXXX XXXX They are not responding me even after repeated calls and request. 


loan Servicer - Meritize XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX https : //www.meritize.com XXXX XXXX  - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX XXXX  : XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (FL)

The most recent call from Midland credit called me and we spoke about settling the debt for a lower amount. The person I was speaking with wanted me to do it right then, wanting me to give my bank account number, my credit card number or my debit card right then. I told him no, I would send him a cashiers check and he did not want to agree to that .He wanted the payment right then. My boyfriend was sitting next to me listening to this conversation I was having with the debt collector. He saw me getting upset. The man kept saying hold on, hold on, hold on, every time I said no Im just going to hang up now he would say hold on hold on hold on. I felt I was being harassed, bullied and I was getting physically stressed out. To me and my boyfriend it sounded like The collector would agree to my offer if I paid it right then but if I wouldnt, he wouldnt agree to the offer. I have read my rights, and it says to get it in writing before I send in any money. I did make a couple of payments in the past to XXXX XXXX before it was bought by Midland credit. On another attempt, I called Midland credit and it sounded like the same man I spoke to earlier, I asked him if he would take another offer and he said he would if I made the payment right then, again I said I would send a cashiers check. He said hold on and he would check with his supervisor he would be back in 30 seconds, I was on the phone waiting for him to come back for over eight minutes finally I hung up.
Consumer complaint received 2019-08-07
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: AES/PHEAA (CA)

The year XXXX I was having issues paying my loan so I called my loan provider to put me on hold or what they call forbearance then during the month of XXXX and XXXX the loan provider did not change my status defaulting on my loan
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (CA)

We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

When I use my Chase debit card, of which I am the only person listed on the account, Chase sends an email to an address that I have never authorized. There is nothing in my online profile that shows this email, only my email account is listed, yet every time I use a point of sale terminal, it sends an email to some other address.

I have been working with Chase for 4 weeks to no avail about the security of my personal financial information to no resolution.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Bankruptcy - Account XXXX Bankruptcy - Account XXXX
Consumer complaint received 2021-05-11
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. (ID)

Navient is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These late are erroneous as my student loans have been in deferment due to Covid. I have tried to make a payment and Navient has told me that I can not do so because they are in deferment. However, I looked at credit and noticed that they are updating lates?! I am not late! I can not make a payment on these accounts until the end of deferment. I ask that they remove them immediately.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Caliber home loans sent me a preapproval letter to take out a new 30 year mortgage on my house at a HIGHER interest rate. Because the principal has been paid down, my monthly payment would be about {$70.00} less. They are advertising that I will see an annual SAVINGS of {$740.00} while my new APR is .1 % HIGHER than my current APR. obviously this is not a cheaper way to go, to effectively pay off a lower interest loan by taking out a new higher interest loan. The fact that they mislead customers by telling them they will save money should be illegal. Its outright dishonesty.
Consumer complaint received 2023-01-12
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-07
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. (TX)

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my XXXX and Experian credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

Had a Simple Bank checking account. Bank transitioned to BBVA USA on XXXX XX/XX/2021. Since then it has been a total disaster and very little help from BBVA. It took all day on the XXXX and part of the XXXX just to access the new BBVA account I have been frequently unable to access account via mobile app or via online banking website. The rare times I am able to login, have tried multiple times to transfer money out of account to XXXX but continue to get system errors or unable service errors when transfer submitted. Spent 2 hours on phone with customer service today ( XXXX XXXX ) and same situation with transfer. During the call both BBVA website and mobile app went offline. Customer service rep and then manager said I could go to a branch and do this. I live in XXXX TN and closest branch is in Alabama 82 miles away. Then they offered to mail me a check via standard US Postal Service, I said that is not acceptable to me based on current ineptitude with this transition and complete lack of faith in this bank. Based on the BBVA XXXX feed regarding this transition it seems that a multitude of Simple account owners are experiencing the same horrible experience of limited or no access to their account. 

BBVA will also not waive the transfer fee of {$3.00} per transaction. Have {$5500.00} in account and their daily limit to transfer is {$5000.00} so this is costing me {$6.00} to close the account and they said they would not waive fees.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I do not have a contract with AFNI. I am not liable for collection of a debt from  XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2022, I was charged by XXXX XXXX for a procedure in the amount of {$2500.00}. Once my insurance paid XXXX XXXX, the statement said that I was to pay my portion -- {$850.00}, not the {$2500.00} that XXXX billed me. 

I repeatedly tried to get a refund from XXXX XXXX to no avail. Since they were ignoring my request for a refund, I submitted a dispute with my credit card company through Bank of America. 

I submitted proof of my payment of {$2500.00} to XXXX XXXX, a statement from my dental insurance showing that I was to pay XXXX XXXX only {$850.00}, and requested a charge back in my favor of {$1600.00}. 

They responded with a letter saying that my claim was denied due to insufficient documentation. I called the dispute center and spoke to a supervisor who said that he could see that all the documentation was there. He said that he would reopen the case and I should hear back from them, shortly. 

Today, I received a letter from Bank of America saying they were investigating my claim against XXXX XXXX XXXX in the amount of {$100.00}. I never submitted a dispute against XXXX XXXX XXXX! Bank of America should not be disputing any payment I made to XXXX XXXX XXXX. 

I respectfully request that you help me recover the {$1600.00} due to me from Bank of America. The dispute has been properly documented and clearly shows that I was overcharged by XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, 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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (CT)

I use Eperian as my credit monitoring service and almost daily I receive an email from them saying that they have identified several credit cards which match my credit profile.I then typically apply for one of those cards and I an always rejected because of info they have obtained from Eperian ; typically because I have applied for too many credit cards.

So here Eperian suggests several credit cards for and when I apply I am rejected based on info from Eperian.

So in effect they, Eperian, are encouraging me to apply for certain credit cards and when I do it adversely affects my Eperian credit
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (VA)

Not abiding by court filed agreement between my attorney and theirs. Read filing with court. 

Depriving veteran of entitled forbearance. 

House not included in bankruptcy. 

Veteransunited has been terrible. Customer service hangs up the phone on me and is rude because I filed for bankruptcy. 

Again, house not included in bankruptcy.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I demand XXXX XXXX be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and XXXX please remove it immediately
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021, XXXX charged my XXXX credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, XXXX failed to process the refund. The balance stayed on my XXXX  account. I didnt receive any notice from XXXX about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by XXXX. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with XXXX to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from XXXX 2. The delay of refund from XXXX failed to process in XXXX and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!
Consumer complaint received 2021-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/21 I sent an affidavit of truth stating that Experian violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were indeed verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-21
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. (NV)

Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But Experian refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again to the accounts deleted from my credit report.
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (WI)

This debt was discharged back in 2016. There was a judgment filed against me. I never received a Letter of Satisfaction. I have a 1099-C for Cancellation of Debt. I have paid taxes because a Cancellation of Debt is considered income. This matter has been resolved, but I have not received legal satisfaction with Washington County Clerk of Courts