davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX a ads online stating that they are a model agency, looking for modeler. I contacted them and they told me to take my daughter for a photo shoot. After the photo shoot they took us to a private room and sold us a dream, about getting my XXXX XXXX daughter in the modeling industry, to model for brand such as XXXX, XXXX XXXX etc. We got excited and took their {$4000.00} dollar package. At the time i paid XXXX upfront and signed a receipt, and paid the rest within the course of XXXX months. The sale representive XXXX XXXX told me that they would mail out all physical goods along with a port folio, z card and contract with all the necessary stuff a newly modeler requires. After i finished paid i contacted XXXX for my shipping tracking information they told me that all the goods will be send digital because of covid they have changed their policy. I told the representative that i paid for physical goods and that I'm awaiting for my goods in the mail. I gave them up to XXXX week nothing came in the mail. I called them and requested a refund they refused and disconnected the phone calls, i called numerous of times no one pick up the phone. I contacted my bank XXXX XXXXXXXX and explained to them what happened and they reversed the transaction and labeled it as fraud. This company is a scam with a lot of bad reviews, i reported this company to the FTC. I never signed a contract with this company. I signed a receipt when i made the payment, and they took my signature and pasted it on a contract. If a consumer signed their signature, it won't reflect in the same form. Every time a person writes, it will look different. If you look on their contract that they have sent to the credit bureau XXXX XXXX is the same on every page. Its not accurate they copy amd paste my signature on all their forms, it XXXX to paste someone signature on a contract without their consent. I never received any calls from XXXX XXXX services to verify my information. I did not gave XXXX XXXX  / monterey collection my social security number. I want to know how did they access my social security without my consent. At the time of payment i used my debit card ending in XXXX. I reached out to experian credit bureau numerous of time to disputed XXXX XXXX off my credit report and they did nothing about the matter. XXXX deleted XXXX off my credit report. Experian are the only bureau allowing XXXX to ruined my credit. XXXX XXXX XXXX has a high rate of scam complaints @ XXXX XXXX XXXX, every review on XXXX is stating that the company is a scam, they need to get shut down.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (KY)

In 2017 I opened a credit card with Navy Federay Credit union. The advertise a program for Senior enlisted Military personel where your transfer balances are intrest free for a year an purchases are intrest free for 6 months. I never checked behind Navy Federal to ensure that this was completed because Navy Federal is normally on point. It wasnt until it was brought to my attention by a Navy Federal loan representative after applying for a loan that I was not receiving my benefits. The representative immediately had me provide documentation of my rank an submitted the paperwork to have my account credited back the intrest I was charged. Navy federalcrefit card back office denied the claim an stated that since it had been over a year since the mistake they will not do anything an claimed that I opened the account online, when I spoke with a representative to open account because at the time, navy federal had allowed my exhusband had fraudulently added me on his account an we were fixing it on line.
Consumer complaint received 2020-06-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GOLD STAR MORTGAGE FINANCIAL (TX)

lender states that due to covid 19 they need verbal verification of work per their policy. At the time I could not get that from the company I work for with strict policies. I got a written verification for lender but I work from home and they also wanted written verification of working from home status. This is something I could not obtain. After escalating internally with my company I received approval for verbal verification from direct manager. Lender will not take a verbal verification now. Refuses to. Currently 3 days till closing and threatening to not close my loan.
Consumer complaint received 2021-12-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TN)

This is XXXX XXXX and I am a consumer submitting this complaint without a third party. 

CREDIT COLLECTIONS SERVICES sent a letter in the mail claiming that I owe the amount of debt totaling {$120.00}. I have never signed a contract with the referenced company in any capacity. 

I have been violated by this company through misleading, deceptive and abusive debt collection practices pursuant to 15 USC 1692.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (RI)

My American Express credit card payment was due on XX/XX/XXXX. I went onto the app to pay it and for some reason it did not go through. Not sure if the mistake was on my end or the company. On the XXXX i noticed the funds didn't come out of my account i went in and paid it. I was assessed a {$27.00} late fee. Because i have been a customer for a couple of years and have not had any late fees, i decided to call American Express on XX/XX/XXXX to see if they would consider rebating the fee. I spoke to a young man who told me it was absolutely no problem, i would have my money refunded to me in 24 hours. He then went on to try to sell me upgrades and products which i declined. 
On Friday, XX/XX/XXXX i noticed that the fee was not refunded so i called again and spoke to XXXX. She apologized for the previous representative and said that he never submitted a refund. She stated she would take care of it and the refund would be on my account in 24 hours. 
On Monday XX/XX/XXXX still no refund. I chatted ( online ) with customer service and and they told me that XXXX and the first rep submitted the rebates however they were declined. They said both reps knew they were declined and should not have told me they were approved. 
On XX/XX/XXXX i called again and spoke to XXXX who apologized profusely and said that she didn't know why they lied- however she believes its because they didn't want to upset me. She assured me that she was escalating to a supervisor and also filing a complaint. She told me the supervisor would approve the refund and i would see it by today, XX/XX/XXXX. There is no refund today. 
If they couldn't rebate the fee, they should have told me that and i would have accepted it. I don't believe it is ethical to lie to a customer just to get out of what you think is going to be a difficult conversation. It unethical. And given the fact that the first gentleman immediately went into a sales pitch after he lied to me, i believe the conversation was a UDAAP violation as well.
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WA)

I would like to get rid of the PMI insurance on my mortgage as my mortgage is nearly 20 % paid off. 

I attempted to do this several years ago and was told there was no way to do it until it was 20 % paid ( despite the value of the home FAR exceeding the ratio required to drop ). 

Planet Home Lending has made it as difficult as possible to gain any information about doing this. Reading now it looks as though I likely could have dropped the PMI if I got the home assessed, but they never disclosed that in my communications with them.
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (RI)

Since at least XXXX of 2012, LexisNexis Risk Solutions Inc. has been reporting outdated information to insurance companies which has adversely affected my ability to obtain auto insurance or has significantly impacted the rates offered or that I pay for insurance. Since 2012 I have requested copies of the information they are storing and reporting about me. In the paperwork that I've received several times, there is no clearly defined process for disputing the information contained in these reports. I have tried contacting them by phone but only ever get routed to an automated system to request a report via mail, with no option to speak with a person or dispute information. I have submitted written requests each year since 2012 for the information they are storing and reporting to be updated. I mailed these requests to the only address that I can find for them at LexisNexis Risk Solutions Inc., XXXX XXXX XXXX, XXXX, GA XXXX through US Mail. It has now been more than 11 years since my first attempt at contacting them and requesting information to be updated.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good Evening, Money was stolen from my Bank of America EDD card. The money was stolen from a ATM machine in a different city then where I live. There was many attempts to with draw money that I did not authorize and notified that as well to Bank of America. Someone must had a copy of my card to steal the money. I contacted Bank of America and they refunded the money. Then they took it back XXXX months later claiming I was reasonable. They locked my account and I had to manually reopen the account. After many days of waiting on hold countless hours waiting for a representative, I requested video footage of the transactions in question that were made and they stated they will send the video to a local bank for me to look at. They never sent that video and I called XXXX times to make a claim and the claim was closed every time without an investigation. I may want to purse legal matters against bank of America for this. I was without my entitled funds because my account was locked. the total amount stolen was {$1000.00}. I was put in a bad situation that was not my fault and I had no access to medications, food, gas, and basic necessities to live. I have chronic medical conditions which require me to visit the doctor and get medications and be evaluated but was not able to do so because of this.
Consumer complaint received 2019-08-29
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. (GA)

experian added back student loan due to id thef -- stated i disputed in XX/XX/2019 with experian, i have not submitted a disuputed with XXXX or any other student loan lender in over 6 months or Experian these need to be removed as fraud i provided a police report before and now it is back
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX  ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Employer : XXXX XXXX, XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NM)

The company started calling me daily, never leaves a message. I answered once and someone who sounded like they were in XXXX kept saying hello. This has been going on for months. 

I have never received any demand letter as per the FDCPA. Just repeated phone calls.
Consumer complaint received 2020-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

Hello, I thought I was in contact with the FedLoan Student Loan Repayment Program. It turned out to be a third party company that was not providing the services I was paying for. My money was not being paid to my loans they were taking it. I began the program XX/XX/2019. My payment was {$200.00} per month for 6 months. I was notified in XX/XX/2019 that the company I was going through was getting sued by you. I'm looking for information for the next steps to take in trying to get the money I gave to them refunded.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2019 I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. Law Offices Of Mitchell, was changed to MBA LAW. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Consumer complaint received 2021-09-15
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 (MS)

I just opened a PayPal account and I got a message that says I can no longer use PayPal due to some suspicious activity. I havent even made a purchase or received any money. Why did it give me that message? 
How can regain the ability to use PayPal? 
Thank you XXXX XXXX
Consumer complaint received 2019-08-29
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)

I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been experian and they are still not following federal law. As such, XXXX and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Spirit Airlines offers a credit card that goes through Bank of America. The card offers " XXXX XXXX priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through spirit website and paid with my spirit credit card. My flights are XXXX XXXX instead of the advertise XXXX  XXXX on all flights. 

A company should not advertise such benefits if they are not able to honor it. I reached out to Spirit about the matter but no one fully addresses the situation.
Consumer complaint received 2020-12-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2019-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: 1st Franklin Financial Corporation (GA)

unlawful use of my personal information and social sercurity number, with out my knowdlege. A hard credit inquirie was posted to my credit repoort on XX/XX/2019 via 1st Franklyn Financi XXXX XXXX XXXX XXXX, XXXX, Ga. I have not done business with this company since they ripped me and my sister off years ago. I will never again do business with this comanpy, Ive tried to handeld this my sef but I am not getting very far. I think these people are taking advantage of peopel, they have tried to take out another lone with out me knowing or even being present in that office. They have stolen my idenity and I hope this is not normal business pratices.