davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. ()

I am writing this complaint to report an Internet fraud which has effected me morally, financially and mentally a lot. I had a friend in XXXX. My friend is working in XXXX, XXXX On XX/XX/2020. He contacts me and told that he needs some money as he just changed his house and got short of money. I said Ok I will transfer XXXX euro to his account. 

On XX/XX/2020. I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Yens which is almost equal to XXXX Euros using this online money transfer service worldremit.com. I used my Debit Card XXXX for making this payment. 
I got notified from World Remit that you need to upload your MY Number card for making this transfer on XX/XX/2020. On XX/XX/2020 I call the XXXX Office of World Remit. They sent me the link to upload my My Number Card, I uploaded My Number card on the Website and they said that in 3 days your amount will arrive at your friend 's account in XXXX. 
I said Ok and waited till XX/XX/2020. On contact with World Remit on XX/XX/2020, they said that our local agent is not responding your amount will be transferred to your friend 's account till Wednesday XX/XX/2020. I waited 2 more days and warn them that my friend is waiting helplessly for 8 days. 

Now, on XX/XX/2020. When I call them, they put my phone on hold or when I email them they dont just reply to my emails. I visited my nearest Police Station to report this issue, they listen to my talk briefly and told me that they can't do anything for me, I should visit my bank. I visited my XXXX XXXX on XX/XX/2020 and still, Bank person said that they can not do anything I should file a case against world remit. 

So, I started emailing and calling world remit several times and told them that I am very angry, I want my money back. But they keep on keeping my call on hold. 
On XX/XX/2020 they sent me an email that they are canceling my transfer and I can get my money back in 7 days if it's canceled and if it's not canceled then they will tell me next what to do. 

Meanwhile, I search on the Internet about this service XXXX XXXX XXXX I realized that this company is a complete scam and they steal people money. 

So, I realized that this 7 days new email is also another trap for me and I will never get my money back. So, I tried to contact some offices to report this issue. 

I have the proof receipt and emails. As I mentioned in the whole situation and would love to share with you on demand. I request you to take strict action against this company.
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I was making regular payments until XX/XX/2020, until I was positive with XXXX. 
I lost my job due this, and also my father died due to the XXXX, I am now recovering from it. 
I can no longer make the full payments and the interests in late payments have increased a lot. I have tried to get them to help me but they do not, my credit has gone to the floor due to the reports from this company.
Consumer complaint received 2021-06-14
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-14
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. (IN)

Charge was issued on my chase app under an XXXX charge I did not purchase. {$1.00} was taken out and put back in. I did not do this ; I reached out to XXXX who is calling me tomorrow ; froze my debit card, and am calling chase in the morning. The transaction is listed as a well known fraud in a XXXX search.
Consumer complaint received 2020-02-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (CA)

My brother got financed by the company for a XXXX  XXXX XXXX. He decided to trade in the car and refinance with the same company for a XXXX XXXX. Regional Acceptance is the company. They have yet to take the XXXX XXXX off my credit. I have proof, but the file is too large to send. My brother has tried numerate of times to contact them and take it off my credit but they have yet to and do not want to cooperate l.
Consumer complaint received 2022-10-08
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX JPMCB ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Consumer complaint received 2021-08-23
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. (PA)

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Consumer complaint received 2021-06-14
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-14
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-02-15
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. (GA)

I am fully aware of the data breach that happened with Equifax back on 2019. This breach has caused my information to be compromised and therefore an account has appeared on my consumer report without my written consent. 

Per 15 usc 1681 no information should be on my consumer report without my written permission. Equifax nor XXXX provided me with an opportunity to opt out of my information being shared without my consent.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NY)

national credit systems illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

Nation credit system failed and neglected to obtain original documentation to accurately report this claim. 

XXXX including XXXX is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

National Credit systems has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX - delete account
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Having worked for Bank of America, I was able to see how they could care less about the consumer and more about the investors. Never in a million years would I have imagined that Bank of America would abruptly close all 5 of my credit cards for the simple reason that I had added too many authorized users. Having worked at the branch, it was widespread for personal bankers to tell the consumer that a good way to help establish credit is by opening a credit card. If the card application got declined, they would recommend having a friend or family member add them to their credit card as an authorized user to boost their credit. Not only is this very common, but Bank of America actually has a website with Better Money Habit where they recommend that. 

Straight from the website https : //bettermoneyhabits.bankofamerica.com/en/credit/how-to-build-up-credit " Another option to build credit : If you have a parent or other family member with good credit whos willing to make you an authorized user on his or her account, doing so can help you develop your credit history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to boost their credit. I never thought I was doing anything wrong. Well little did I know that this was going to come back and bite me in the XXXX. On XX/XX/2020, I found out that Bank of America had closed down all of the credit cards that I had with them with no warning whatsoever. I only found out about this because my card got declined when I tried to use it at a restaurant. I called customer service, and the reason they gave me was " irregular authorized user activity on one or more of your accounts. '' Bank of America has really screwed me over on this one. I don't know what kind of effect this will have on my credit score because not only did they closed over XXXX worth of credit but they also closed some of the oldest credit cards that I had. Having worked so hard to get to an 800+ and for it to be taken away from one day to another really sucks. I never thought I would be depressed over something like this or even have suicidal thoughts over it but honestly, this XXXX XXXX especially when you have worked your whole adult life to have a good credit score.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (PA)

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. Experian, XXXX  and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and Experian, XXXX, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (WA)

After trying to set up a loan through affirm they denied me by saying an affiliate has told them that they are unable to identify me. I may have called a reporting agency to let them know XXXX has lost paper work on me.and to flag my name for any new loans to be approved but affirm is already an opened account. Thats all I can think of as why this company after years of being with them are denying me rights for loans. How do I remove this flag so that affirm can properly help me with my account. 

Thanks you
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Bach in 2012 was demoted and had a pay loss. Was paying XXXX a month. Asked if I could pay XXXX. a month. Their answer no we can defer your payments. I borrowed XXXX for degree and have made payments until my pay change. I am now XXXX and owe XXXX. All interest because they wouldny accept any payment and eas never offered income based payments. I started to work  temp for 3 months doing taxes grossing 3,500 approximately.  I offered XXXX last year but they said no. I'm tired of this hanging over me and gave been on interviews but  no one wants to hire old prople. What can I do?
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northwest Collectors Inc. (IL)

XXXX XXXX XXXX, SC provides services in XXXX XXXX. Their charges are included in XXXX XXXX XXXX. My insurance paid for everything because I was billed by XXXX XXXX for all services provided in its facility. 
They must contact XXXX XXXX since XXXX XXXX XXXX received claims from the hospital, never received any claim from the creditor. My insurance was billed by XXXX XXXX directly. The service is included in the facility. 
I received a notice ( attached ) to reply by XX/XX/2022 to stop collection and and replied with a certified letter ( proof attached ) on XX/XX/2022 and sent many letters prior to that notice to the creditor and was ignored. my insurance was not contacted as well. they violated my rights and blame me for paid debt, they ruined my credit score for debt paid by my insurance and they failed to submit a claim to my insurance.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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. (PA)

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2021-06-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

They call my minor child 's cell phone starting at XXXX local time running throughout the day from different numbers each time. If anyone answers or calls back they become threatening and abusive on the phone. How they can do this to a child 's number is beyond me. We've reported it to them, blocked the numbers but the calls and abuse just wont stop. 

Protofolio Recovery
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OK)

On XX/XX/XXXX I sent a check to Fay Servicing for XXXX $ to pay off the balance of my home in the amount of XXXX $ it was sent certified mail XX/XX/XXXX with return receipt they have received the check it shows on the return card I called them everyday for a week asking why they have not applied the funds to pay off the mortgage and then after multiple phone calls they told me tonight XXXX they are refusing my check ( yet they told me they never received it ) and they have no plans of paying off the mortgage so when I asked if they would return they check back to them they told me no I am at a loss.. I read reviews about them and they are doing this to everyone not just me this check has a 90 day expiration if they dont send it back to me I will lose all that money and have to see if the company will issue another one and I dont know how that will go either I just need help Im XXXX and no one will help XXXX
Consumer complaint received 2020-02-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I received approval on my IBR Application in XX/XX/2019 for a monthly payment of {$90.00}. I changed my payment due date from the XXXX of the month to the XXXX of the month in XX/XX/2019. Fed Loan doubled my monthly student loan payment to {$170.00} for just changing the due date so I can make my payments more manageable for myself. How does changing a due date double a student loan payment after you have a letter in writing stating stating what your IBR payment will be for the next year? This loan servicer is a huge SCAM. They told me by changing my due date they had to readjust my payment because the poverty line had changed. That doesnt even make sense if I was already approved in an IBR plan for the year so not sure what the changing of the poverty line has to do with my student loan payment that had already been set. Customer Service is unprofessional as well.