davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (LA)

I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. On XXXX XXXX, 2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2019-07-23
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. (NC)

I pulled my TransUnion, XXXX and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX I made an additional principal payment towards the principal of our mortgage. I sent the coupon from the bottom of the statement and wrote in the amount of {$13000.00} which was to be put towards the principal only. When I reviewed my account on XX/XX/XXXX I noticed that they had put around {$8000.00} directly towards principal and applied the remaining {$5000.00} to interest, escrow and " fees. '' I contacted them via email on XX/XX/XXXX to explain that this payment was for additional principal only. As of today, I have not received an email explaining why this payment was incorrectly processed. On XX/XX/XXXX I made a principal payment of {$30000.00} and that payment was posted exactly as it should be. I have never been late and pay extra on principal nearly every month. I want this reversed and the entire {$13000.00} applied directly to principal.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NV)

I contacted PayPal about my issue. They denied my claim within two hours of the claim being submitted. My account is now in a negative balance and I have bills to pay. They wont refund me for the unauthorized transactions and say that the transactions seem like usual activity. I have two accounts opened with PayPal and I also was part of a data leak a couple of months back where my information and accounts got leaked. Today Im complaining to PayPal about unauthorized transactions. Which my claim was denied almost instantly. My accounts were used simultaneously to send and withdrawal money. Let me add that my wallet and social security was stolen a few months back. Ive never had issues with PayPal before and Ive been a customer for over 10 years. What is disappointing is that PayPal constantly seems to side with scammers and I am not the only individual or consumer a part of PayPal that has had this issue. Ive read thousands of messages where PayPal sided with a scammer or fraudulent individual and made the actual account holder the issue. 

There are a few transactions that I complain about. They are as follows ; {$1800.00} {$1200.00} {$760.00} {$500.00} {$1500.00} {$1500.00} {$1000.00} {$990.00} Tbh I dont even seem to understand why I was instantly denied. Every time I try to get help I get the same answer every other individual gets. This is usual activity. Please help me, because I have bills to pay. XXXX cant be held responsible for something that I had no doing in. 

The emails associated with the accounts are : XXXX XXXX These two accounts were used together to send and withdrawal money from my accounts. 

Ive attached much of what info I can find. 

I cant provide a card number since multiple cards were added and deleted from my XXXX credit card to PayPal. XXXX credit card features allow a new card number to be generated multiple times.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/2018, I notified USAA via international phone call that my debit card was stolen/lost. I was advised that a new card would be sent to me within 5-7 business days. During this time and up to end of XX/XX/2018, I was traveling frequently and wasn't home all the time. On XX/XX/2018, as I was going through my mail, I realized that my debit card never arrived. I reviewed by checking account statement and noted that there was fraud on the account. I called on XX/XX/18, I again called USAA to report the fraud and order a new debit card. I was advised that a fraud claim was opened and new debit card ordered. I was told it would take 2 business days to have the money placed back into my account. On XX/XX/18, I conducted USAA via chat to inquire about the status of the fraud claim and was advised via chat message that a fraud case was never opened. USAA failed to comply with Regulation E, Section 1005.11 on XX/XX/18 when they were first notified of the fraud issue. USAA also mislead and lied to me regarding how long the process took to refund my money. Additionally, USAA has caused me substantial injury relating to financial harm as a result of failing to honor my fraud claim and continuing to charge me fees for overdrawing my account. Due to USAA unfair practice they have committed a violation of UDAAP pursuit to regulatory guidelines.
Consumer complaint received 2022-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2022 I called Regions Bank from a XXXX result for HELOCs. After speaking with a representative, XXXX XXXX who took my information and submitted the application, I got a call back a few hours later, from the same representative, saying I was approved and they had given a counter offer of {$18000.00} before the appraisal, and it was guaranteed regardless of what the appraisal came back at. That is something at the time I had her confirm, so to be sure it was guaranteed. Then on XX/XX/2022 the appraisal came back lower than the XXXX XXXX, and they immediately closed my application, did not honor their word regarding the counter offer, and I believe the appraisal was a very poor representation of the other sales in that neighborhood, the condition of my house, and the current house market in the XXXX XXXX area. 

I have had no luck trying to talk to Regions about their lies and inaccurate appraisal, as they said the application is closed and there is nothing they can do.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the XXXX bureaus regarding inaccurate items on my XXXX report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my XXXX and letters to this complaint for your review.
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

My IBR Income Re-certification was denied without any notice. I sent the paperwork I thought they needed including linking to the IRS. Because I didn't know that my re-certification had been denied I was bumped off the IBR payment plan. Not only did this cause my next automatic payment to increase over 100x, it also capitalized over {$60000.00} is interest onto my principal balance. Loan servicers should be required to me much more transparent and proactive when it comes to such a consequential event. I can't imagine any other venue in live where a charge of {$60000.00} would happen without significant notice in multiple forms. 

Side note : linking to the IRS should be easy and automatic, when I tried it it refused to link to the most recent year and linked to the previous year instead which created some of the confusion in this process.
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2023-06-30
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: AMERICAN EXPRESS COMPANY (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2021 I received a bank alert from Bank of America that my new credit card had suspicious activity. I had not received this card in the mail yet so I was very concerned. I called and spoke with the fraud department and they said that my card had been used at XXXX XXXX for XXXX and then at XXXX for XXXX. I was told that after XXXX the card was used at XXXX but declined for suspicious activity. 
I explained that I had not received the card in the mail and was assured this would be taken care of. The card was cancelled and a new card sent out. 
A month later I see that the charges that had been removed from my card were back and received correspondence that I am financially responsible for the charges. They claim I used or allowed someone I knew to use the card. There was no basis for this decision other than the card was used and my name was signed. I explained again that I had never received the card. After receiving the new card I used it for a legal matter, which is the only reason I even opened this account. My history of credit use is not retail and grocery store. Further, I would not have even known that the card had been used had it not been from an alert from BOA. I also asked for the receipts with my signature to be sent to me, which I never received. I also pointed out to them that had I been shopping with my own credit card and it was denied at XXXX  I would call to see what the issue was. I have been a customer for almost 30 years with BOA and I am appalled at the lack of credibility. After reopening the claim, I got the same exact letter in the mail saying that I am responsible for the charges.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION (WA)

I requested that my account be closed on XX/XX/XXXX. I received a message on XX/XX/XXXX advising me that I would need confirm my address in order to receive a check by mail. I confirmed my address the same day. 

On XX/XX/XXXX, the account had still not been closed and so I made another request. I was again asked to confirm my address. I did so on the same day. As of today, the account is still open.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HireRight Solutions, Inc. (AZ)

Substantial delays with completion of report. Given inaccurate information regarding submission of documentation and what is accepted. 

Holds for information caused issues with pending job offers putting substantial duress on myself and family as I can not make firm decisions of what jobs to accept or decline as my first choice position with XXXX was heavily delayed by technical issues from hire right.
Consumer complaint received 2021-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, On XXXX XXXX, 2021 I sent a letter via USPS Certified Mail to Transunion questioning the accounts being reported on my consumer credit profile. I believe the accounts being challenged on my credit report are reporting illegally and inaccurately. Transunion has not resolved my problem as to why these accounts are still reporting nor has the said creditors. It has caused a tremendous damage to me as a consumer and why I can not move forward in my work field nor apply for a home with my children. I know by law Transunion has taken a grave responsibility in ensuring the accuracy of consumer credit reports. I am a protected consumer and I believe my rights have been violated and that Transunion should block and remove these accounts immediately.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (IA)

My debit card was used to make unauthorized debit transactions while on vacation in XXXX XXXX. These occurred between XX/XX/XXXX XX/XX/XXXX. I immediately filed a fraud claim upon my return ( # XXXX ) The claims were denied with no explanation other than {$330.00}. They verified partialclaims and denied all others. The reason I could not see these transactions were occuring all this time was because on XX/XX/XXXX I deposited a starter check from my father that was flagged suspicious.Truist on that date suspended my access to online and suspended my debit card. My debit card was suspended until XX/XX/XXXX and my online access was finally restored on XX/XX/XXXX. I had no way to check what transactions were taking place at this time other than my own running history that I kept and could not go into a bank as I was in a foreign country of XXXX. I do not ever remember misplacing my card or losing possession of it. The only time was at restaurants that I ate it when they would take my card to process it. I was however stranded and slept in a park for two days over XXXX when truist shut my card down and I only had the single debit card to pay for my room until they turned it back on. Imagine my surprise when I received notice my claim was denied!! I did not authorize, make or receive anything of value for these transactions nor did I give permission for anyone to use this card. I do not know how Truist verified or investigated these claims in the span of two hours from when I spoke to the investigator as all these claims occurred in a foreign country. I am asking and requesting Truist to re-investigate these claims and issue me a credit while doing so in a timely manner. I did not authorize any of this and it has put me in a very bad situation as a XXXX XXXX on a fixed income.I can not pay my monthly bills without this money that was taken. Please help me if you can. Thank You
Consumer complaint received 2022-01-12
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. (VA)

This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that XXXX XXXX would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the XXXX of XXXX. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.