davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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 (CA)

On XX/XX/2021 at approximately XXXX XXXX  in XXXX, GA, I purchased multiple items from XXXX XXXX XXXX XXXX, by a sales person named XXXX XXXX. However on the receipt there is no charge for the items and there is a charge for {$1200.00} for the sales person XXXX XXXX. This in itself is fraud because the person who charged for the item is selling himself and not the item. The items however, had a {$0.00} figure next to the amount charged for the item. The items were defective so I contacted the seller/customer support to return the item. 

When I attempted to return the item to the sales person XXXX XXXX, he told me that I could return the item for a full refund if I brought the item back. 

The customer service messaged me saying that they would provide a full refund if I would sign a document which I did. 

When i attempted to return the item they would not give back my money. The company to date has not refunded any money to me. I am extremely upset and is rightfully determined to receive my money back from the merchant. 

I researched the company online and saw that there are multiple bad reviews speaking that the company is a scam and fraud and do this to multiple people. 

Thank you for your anticipated courtesy and cooperation in this matter. If you have any questions or concerns please contact me directly at the number above.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.
Consumer complaint received 2021-05-18
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 (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (CA)

I noticed that 4 charges were taken from my XXXX XXXX account 15 days ago on XX/XX/XXXX. This is that latest in a string of identity theft issues I have been having. I then used an unofficial credit report and noticed an {$890.00} loan in my name. 

Since then, I have been trying to contact the Fraud Department with XXXX XXXX. On XX/XX/XXXX, I was informed over the phone that the Fraud Department will get back to me by closing of business. Hearing nothing that day, I informed Money Lion on XX/XX/XXXX that if I did not hear back from them by closing of business, I would have to contact the CFPB. 

I heard back with a request for information soon thereafter. I replied to that request and travelled for work. Upon my return, I discovered that on XX/XX/XXXX, Money Lion had deemed the account non-fraudulent and closed the inquiry. 

To corroborate their claim, they sent me a loan agreement that had been " signed '' in standard computer font. 

I fear that I am unable to progress on this issue and that if this situation is not resolved soon, I will be charged again for this loan. 

This loan is also negatively impacting my credit score. 

I am attaching confirmation of a police report. At this time, I am unwilling to purchase a product so that I can get my money. That seems unreasonable. If MoneyLion wants my police report to help me with this fraud issue, they can buy it from the XXXX Police Department themselves. 

I am also attaching PDFs of an e-mail chain for a related fraud issue from So-Fi money, such that you can see that this is an ongoing issue. 

I am also attaching bank statements showing the money withdrawn. I am attaching a transaction list showing the reversal. 

Please help.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Benchmark Capital Management, LLC (MI)

My conventional mortgage is through West Michigan private Capital fund. I fell behind because of the coronavirus and was unable to collect unemployment or any stimulus money. During the 2021 calendar year I paid close to {$13000.00} in mortgage payments where my note is only supposed to be {$760.00} per month to include taxes and insurance. As of XXXX the CFO of West Michigan private Capital fund stated that I am still a couple thousand dollars in rear edge on my mortgage. I do not know how this could be. I have asked for statements and I have not received any the only thing I have ever received from this company is default notice. I do not know how to even get any more information on this mortgage because the mortgage company spins me in circles.
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-25
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX Citibank Credit Card notified me via of unusual charges. I reviewed them and completed their online dispute form they provided. My card had been stolen and used to quickly charge over {$2000.00}. 
They closed the account and swiftly provided new cards. This is the only thing they did fast. 
XX/XX/XXXX The fraudulent charges were moved to the new card. I called and was assured by the phone rep that all would be well and it takes about 30 days to resolve. 
XX/XX/XXXX -nothing. So I called again. " XXXX '' ( Citi policy prohibits providing last names ) Says no disputed charges appear. We reviewed everything again, including each bad charge. She provided case # XXXX. She indicated that it had not been handled properly by the previous rep. She stated on a recorded line ( I asked if it was recorded and she said yes. ) that all should be handled in a few days. 
XX/XX/XXXX Citi emails me a standard template saying that due to the billing dispute my minimum payment due to be $ XXXX.I read this to mean no interest will be charged if I pay {$25.00}, but it is not clearly stated. 
XX/XX/XXXX I get a voicemail from Citi Security " XXXX '' regarding my case. I call back and another rep asks me standard questions like where was the card stolen, re-confirms the bad charges etc. Says, ok, that in a few days the charges will be removed from my account. 
XX/XX/XXXX charges remain on the account. No word from Citi. I also notice that an email I sent them on XX/XX/XXXX remains " unread '' in the Citi online message center. 

They have botched this to such a degree its just sad. They made sure I got a new card right away, but are dragging their feet to address the fraud charges.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have been paying navient for what feels like forever, I believe its been 5-7 years I have been baying and due to financial struggles I had no choice but to put in forbearance here and there. However, I have been paying but my loan is not budging not going down at all, honestly it feels like it increased, I only borrowed less than 5000 and still after years of paying its only at 4700 something, its not right. Im a single mother and Im trying to pay what I can but im getting no where. I know paying XXXX dollars does n't for 7 years means its paid off by any means but XXXX dollars for a few years should have definitely brought my total down to at least 3000 if not a little less.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I received a Sewer and Trash bill in XX/XX/2021. I contacted my mortgage company known as XXXX in XX/XX/2021. I advised them of the bill and faxed the bill and other paperwork to them on XX/XX/2021. The bill at that time was {$580.00}. I was advised the bill would be forwarded to the Tax Dept. I received a letter from the Court in XX/XX/2021 that a Lien was placed on my house due to non-payment of sewer and trash fees. Since XXXX of XXXX  I have been calling my mortgage company and have gotten nowhere. I've been advised by my mortgage company that a {$850.00} check was sent on XX/XX/XXXX to settle the bill. As of today 's date, my mortgage company has been unable to confirm the check was cashed. I have also received nothing in the mail that the Lien was removed. I would like this resolved since I am tired of calling the mortgage company and getting nowhere,
Consumer complaint received 2021-05-18
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. (MS)

I am XXXX XXXX. I am the consumer filing this complaint and I give my authorization to the company to provide mt credit file and whatever information is necessary to rectify these issues without me having to explore legal options. Over the past year or so I have repeatedly initiated multiple factual disputes on accounts reporting incorrectly on my credit report and requested immediate deletion of these accounts due to Experian reporting errors and FCRA violations after I notified them of these errors preciously. These inaccurate Accounts remained on my credit file after multiple disputes. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They have not provided this information for any of the accounts I've disputed. 

Experian had 15 days to respond to my 2 method of verification requests. My requests were ignored. I recieved dispute results dated XX/XX/2021 with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As the consumer, per FCRA my credit file is supposed to be 100 % complete, verifiable, and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. XXXX. XXXX XXXX XXXX because method of verification was not received from the credit agency and notice of dispute status was not entered after 30 days of the dispute. 2. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered, accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments when there was not contract ever signed for these debt amounts. Please delete immediately from credit file. 3. Dept. Of EdXXXXXXXX  ( 4 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, All 4 accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Experian. Please delete this account immediately! Per FCRA E OSCAR verification is not sufficient.
Consumer complaint received 2021-05-14
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. (UT)

XXXX, Experian and XXXX are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (LA)

I HAVE CONTACTED THESE COMPANIES ABOUT MY INFORMATION BEING USED TO OPEN AN ACCOUNT, THEY HAVE BEEN USING MY INFORMATION TO OPEN AN ACCOUNT AND A UTILITY COMPANY ( XXXX ) I DONT KNOW WHY THIS IS BEING REPORTED AND IGNORED AFTER I ASKED THEM TO REMOVE THIS FRAUDULENT INFORMATION.
Consumer complaint received 2024-03-10
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. (AZ)

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, Equifax, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Consumer complaint received 2021-05-18
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. (TX)

We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from XXXX XXXXXXXX XXXX in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted XXXX XXXXXXXX XXXX and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
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. (MD)

Please see the attached screenshot that show very serious incorrect balance and payment history recording from my closed mortgage account. The loan was service transferred on XX/XX/XXXX. At that time it had a balance amount of {$190000.00} - There was never a loan balance of {$190000.00} since the transfer date of XX/XX/XXXX. 

Also at that time of transfer the loan was CURRENT with a {$190000.00} balance. There was a first payment of {$1400.00} that was recorded on XX/XX/XXXX - the following payment of {$1400.00} was recorded on XX/XX/XXXX - with a third payment of {$1400.00} being recorded on XX/XX/XXXX. XXXX. And our records that are also supported by the monthly statements will show a consistent and on time payment history that started on XX/XX/XXXX with the last payment made of {$1400.00} being recorded on XX/XX/XXXX. So it would be great if we could get the reporting to show 17 consecutive payments starting with XX/XX/XXXX to XX/XX/XXXX XXXX last payment before second transfer ). The loan was once more Service Transferred on XX/XX/XXXX, with payments then being sent to the new loan Servicer starting on XX/XX/XXXX. 

Since the XX/XX/XXXX loan Service transfer date, we have made 20 CONSECUTIVE mortgage payments that were all made within the 15 day grace period.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

During the rise of the pandemic Covid-19, I was told according to the forbearance program that I would not be at fault for not making my payments. I lost my job due to the pandemic and struggled with getting another source of income. I am submitting this complaint due to having missed payments reported to my credit card for the months of XXXX and XXXX.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I hope this is my last complaint to Chase regarding my account. I was your customer from XXXX until XXXX until my loan got transferred to XXXX. I have a copy of all my credit reports from XXXX until today which is XX/XX/XXXX XXXX by law chase Was to report my active account to all 3 bureaus which are XXXX  , XXXX  and XXXX  . Chase failed to report to XXXX  and XXXX  for 10 years or more. on my XXXX  account for over 10 years Chase reported incorrect information. I would like Chase to review their own record and they will find out that what I am saying is 100 % correct.If I file a lawsuit again I will include my credit issue with evidence to the judge. for all the incorrect information the chase reported on my credit report all the inconvenient and the high interest rates I had to pay because of their negligence and not approving me for loan modification and putting me in financial hardship I am requesting the following to close this case and I can move on with my life during covid-19. I do not want to hear any more excuses responding to my letter. Also the lates that were reported against me or during the time that I was trying to get a loan modification plus my loan was transferred to the new mortgage company which is legally Chase did not have the right to report any latest but of course. I do not want a bogus letter Chase. I want you to do the right thing and fix the issue. If chase dose not fix the problem I will ask for damages of not reporting to XXXX XXXX and XXXX in the past.