davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2021 Had a job opportunity for XXXX XXXX, I had applied through XXXX which they contacted me apparently from a fake job from XXXX. They said I was hired after 20 minute interview. We went over the material needed and they emailed me the check that would be mailed back to me after sending in my payment. And thats were I got scammed out of {$2000.00}. After that they was another {$500.00} with a gift card. Which I didnt do but did XXXX wire money through my Chase back. Which said XXXX doesnt have any protection against scams or fraud. Chase said all they can mail be a paper of the XXXX policy.
Consumer complaint received 2022-03-24
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. (CA)

I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Also, I tried contacting Transunion requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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: SLM CORPORATION (NC)

I disputed two charges with Sallie Mae 's credit card for the following amount : {$590.00} and {$640.00}. These charges are related to XXXX  XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX NC XXXX that left my dog with XXXX XXXX. I explained this to the Sallie Mae representative multiple times and also sent them documents on XX/XX/2022 by USPS tracking nr : XXXX. 
Today I got an email that the charges are valid and I am responsible for the balance. 
After we retrieved our dog on XX/XX/XXXX we noticed that her XXXX XXXX XXXX and questioned XXXX and his staff regarding this they claimed that this is due to discomfort after the XXXX. We noticed XXXX XXXX and XXXX  that continued to XXXX  and her XXXX XXXX XXXX XXXX. I was texting XXXX and his staff, ( screenshots attached ), he ignored it and they stated that they don't know what could cause that. Later on, they stated that these are XXXX XXXX 
On XX/XX/XXXX I took my dog to XXXX to treat my dog 's wounds and he claimed that this is a reaction to the medication. XXXX lied to us and tried to mislead us, he even charged us {$240.00} to treat her wounds that they caused during XXXX with the heating pad. 
On XX/XX/XXXX I contacted another veterinarian and she confirmed that these are XXXX XXXX XXXX I reported XXXX to the XXXX  XXXX XXXX XXXX 
Sallie Mae made a decision even not reviewing the documents that I sent, they were not bothered to wait for the documentation to have a full understanding of the situation. 
I incurred financial losses and suffering as a result of XXXX 's negligence. The service I paid for was not provided as agreed. I paid nearly one thousand for treating my dog 's XXXX  XXXX  and saved the receipts for {$610.00} I also tried to contact XXXX multiple times, he never came to the phone or returned my calls. I requested a refund via the feedback link, but he didn't respond. On XX/XX/XXXX I sent him a demand letter. 
Unfortunately, I will not accept this resolution.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, I tried to resolve this issue with Santander, I was told that they would remove this loan off my credit report, I am ( the co-signer ) in XX/XX/2021 which they seem not to remember? Also the amount due is questionable because, I was told 52 payments were made over approximately {$500.00} per month. This was a XXXX loan they are saying over XXXX is due how can that be when they sold the vehicle and never reporting back to what they sold it for so how could we know was really owed on this loan. Also there was a class action law suite on Santander for misleading customers and over charging customer. We were told that they were supposed to correct this and taken off our credit reports. I feel they they should take blame for their wrong actions misleading their customers and make it right. Thank you
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX. The letter stated that I have a Target Card from TB Bank USA and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both XXXX  and Target to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. Target informed me that I would need to contact XXXX about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to XXXX. 

I was told by XXXX that they are unable to do anything and I needed to talk to Target. Here are specifics from the conversation with XXXX : ( 1 ) they received the information from Target on XX/XX/XXXX, ( 2 ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXX, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from XXXX prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Consumer complaint received 2024-02-15
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. (OR)

I have two bankruptcies reported on my credit report. I reached out to XXXX XXXX and they wrote me back stating they did NOT give my information to anyone. So I am asking for those two inquiries/reports to be removed from my credit report.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Unfortunately I do not have the exact date saved when this incident occurred. It was around XXXX years ago and just after I got married. It all started when my wife and I wanted to start our transition after getting married to start a joint bank account. At the same time we were both in grad school and receiving excess financial aid checks from our school. The school sent me a check but sent it to a previous address I lived at before I moved in with my wife. I notified the school and they canceled that check and sent out a new check to my current address. 

The initial check ended up being forwarded to my new address. At this time I didn't know it was the old check and I tried to deposit the old check into my XXXX account and overtime I found out that the check was denied and that was when I was notified of fraudulent activity with my account. I did reach out and talked to a banker at a XXXX bank. This is when they told me that I was accused of money laundering and that my account was closed. The banker at the time told me I would not be able to open a checking account for a year even after explaining to them and showing the bank that the money was all financial aid checks from grad school. 

Now XXXX years later my wife are trying to open a joint checking account with a completely different bank and I am still unable to open an account because of this label/block that was placed on me. I did on XX/XX/2022 stop in a XXXX bank to discuss opening an account and appealing the money laundering accusations, but was denied. I asked the banker at the time for records from the initial accusations of my checking account and they were not able to give me records to show the activity that they accused me of. 

This was when I was told about XXXX XXXX and to come here for help.
Consumer complaint received 2022-03-24
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: TD BANK US HOLDING COMPANY (NY)

I purchased a HORSE through XXXX XXXX of XXXX XXXX stable who had me use my TD Bank XXXX to charge {$2400.00}. 
To XXXX XXXX STABLES. I paid to have the horse delivered XX/XX/XXXX, to XXXX XXXX academy in XXXX NY. The horse was guaranteed to be sound and appropriate for my riding needs. After I paid the vet to examine the horse ( as agreed ) he was found to be immediately unsound and bloodwork and radiographs confirmed this. I called dealer and he said he would take his horse back and deliver another guaranteed sound and fit. He delivered another horse also found to be unsound by the vet ( I paid again for shipping and vetting ). At this point I told dealer I was reversing charges on my CCs and returning the second unsound horse. The dealer stopped returning my calls. The barn owner got involved and got him to take the horse back, which he did. I am currently out shipping, vetting and boarding fees. I reported immediately to TD Bank and followed up with XXXX phone calls and a written statement and XXXX visits in person to TD Bank branches. TD claims I didnt follow up and has closed the account keeping my {$2400.00}.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

This is my third complaint about Maximus Education, LLC, dba Advantage. They continue to send me reminders and new payment plans. I'm a member of the XXXX vs XXXX class action lawsuit, and my loans are set to be XXXX and should have been XXXX on XX/XX/. I have requested that they stop over the phone and via email several times, but they continue to provide false information about my loans. This company 's horrible policy of automatically changing customers ' payment plans without consent has caused a delay in my loan discharge. And now I am being told that if I don't submit some paperwork in 3 days, my monthly payments will go up 300 %. There is no protection or recourse for student borrowers. Stop harassing borrowers with false information and process our loan discharge.
Consumer complaint received 2024-02-15
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX, I closed my checking account with Truist Bank. Early this year, I tried to log in the online banking to access the tax form and the system did not allow me to log in. On XX/XX/XXXX, I called Truist Bank to resolve this issue but was told there is nothing they can do because the account was closed. They did not send the tax form via physical mail neither. Therefore, I can not finish my tax return due to a missing 1099 form from them.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/19 demanded that i call today with a lawyer, or else they make a decision for me. This is not the first time this has happened. XXXX Bank leaves out information in hopes of getting money. You could owe a more reasonable amount but theyll tell you the unaffordable amount
Consumer complaint received 2022-05-17
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. (IL)

XXXX XXXX # XXXX 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 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TN)

I noticed a new account on my credit report on XX/XX/2022 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They have not communicated with me at all about the biller of the account. I strive to pay bills on time and I'm concerned about this charge that caused over a XXXX pt drop on my score. I do not have any bills or any documents in regards to the account or what's owed. I resolved a similar issue like this approximately 1-2 years ago and my account was cleared. Thanks for your assistance.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus charges.
Consumer complaint received 2017-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america has stolen money from my account. i have gone to the ATM and had a hold on my account with out my knowledge. on the morning of XX/XX/21 my wife tried to pull out {$700.00} for my rent. That is when the problem occurred the ATM never released my money. The {$700.00} was Still taken from my account. Bank said not to worry for they will be refunding the money in 24 Hrs. They never did i put the depute for the transaction they didn't pay due to the fact the employee put the claim wrong. He said ATM was broken that is why i was claiming the money. I never said it was broken they sent a tech guy to check ATM it worked fine. So they wouldn't approve the claim. I resubmitted the claim the declined it a 2nd time due to the first claim. Asked for ATM footage of ATM they wont give it to me unless i get a court order for the footage. i have filed police report faxed it to the cooperate fraud department. They still declined to send footage or reimburse my money that was taken from my account. The next part is from the XXXX app Have an identity theft problem from the bank app XXXX. it is a payday loan app they got hacked and leaked my identity online so people have used my bank account and debit card from the information they leaked. I told bank of america about this and the fraud i have seen on my account. They stated to me it was all my fault that my money was stolen from my account they are not legally responsible for my money and will not refund or reimburse my fraud claims for transactions or ATM. I filed a new police report for the identity theft. I keep trying to refile claims to recoup my loses but bank is not willing to pay me even with all my evidence that i have. i need to sew them to get my money. I don't have the financial means to proceed to the court due to health as well. XXXX bank app case number for the identity leak is CASE # XXXX and CASE # XXXX. Police report # for the fraud on account is XXXX officer XXXX XXXX  pd ca
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I was using PayPal and Venmo until PayPal permanently closed my account without any explanation and is keeping my money hostage. Then, Venmo closed my account without any explanation. Both companies are saying they can't tell me the reason but I m supposed to just accept it. This is discrimination.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts and balance listed on my XXXX and Equifax credit report are lost/stolen and fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, {$450.00}, and XXXX XXXX XXXX  XXXX XXXX Credit Card XXXX XXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation (MI)

I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
Consumer complaint received 2022-03-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been sending TransUnion letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by TransUnion credit Bureau.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

From XX/XX/XXXX till XX/XX/XXXX there were hundreds of fraudulent withdrawals from my checking account totaling more than {$16000.00} dollars. Chase Bank originally put monies back into the account and then a week later took it back out. We have been talking to Chase officials since XX/XX/XXXX to no avail. They often hang up on me or drop the call while I am on hold. I really Need some help or guidance.
Consumer complaint received 2019-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

XX/XX/2019 I revoked there Ach authorizations. It is almost impossible to cancel Ach payments with them. They told me they couldn't cancel my Ach agreement without an alternative payment method. Which is not true. By law You do not have to provide an alternative payment method to cancel your Ach. They dont want you to cancel it so they try to make you think you can't cancel it. By law an Ach agreement has to have a way to cancel it, or it's invalid.