davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NV)

Discover Credit Card. On the night of Monday XX/XX/2023, my friends and I went to XXXX XXXX at the XXXX XXXX XXXX XXXX and my wallet was stolen out of my bag in the club around XXXX on XX/XX/2023. I found out because I tried to pay for a water and my wallet was nowhere to be found in my bag. I received a text message from Discover on XX/XX/XXXX at XXXX saying " Discover : We just declined {$850.00} at XXXX XXXXXXXX XXXX Do you recognize this transaction Y or N. '' and I responded with 'N '. Discover responded with " Ok, looks like you've identified potential fraud. We can help you right away at discover.com ''. I also received a text from XXXX shortly after the text from Discover on XX/XX/XXXX at XXXX XXXX  saying " XXXX Fraud Free MSG : Did you just try a charge on Date : XXXX XXXX : $ XXXX Where : XXXX XXXXXXXX XXXX XXXX Reply Y or N '' and I responded with " N ''. Immediately after sending those texts I automatically went to my other bank accounts and locked the cards and ordered new cards. Even after responding N to the Discover text, the person who stole my wallet was still able to use the card and managed to steal {$1600.00} worth of charges from the card. They were able to take out a {$1000.00} cash advance from the XXXX and the XXXX claimed that they had my information, mind you the person who stole my wallet had my ID. They were also able to use {$300.00} at the XXXX XXXX XXXX, and more charges at XXXX, XXXX, all charges I did not authorize because again, my whole wallet was stolen. I faxed in documents in XXXX to Discover to appeal this as I am not responsible for these charges as my whole wallet was literally stolen from me. I faxed in my police report, screenshots of the text messages from XXXX and Discover, screenshots of me ordering new cards from XXXX XXXX XXXX and XXXX on the XXXX, as well as a screenshot of my receipt for my replacement drivers license. Discover is continuing to claim the the information I provided is not enough to overturn their decision. I have been using Discover since I was XXXX XXXX XXXX as it was the first credit card I opened and have been a loyal customer since. Discover claims that their customers are " never responsible for unauthorized purchases on your discover card account '' but are here charging me {$1600.00} on purchases I did not authorize because my wallet was stolen. After I was told by Discover that they were charging me back all of the fraud purchases I transferred the balance of my actual balance to another card and have not touched my Discover card since. I have been making the minimum payment on the card and allowing it to collect interest while waiting for this to get resolved because again I am not responsible for those fraudulent charges, my whole wallet was stolen from me.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NH)

Without notice and while trying to buy a house, a debt collector on behalf of my current utility company - XXXX, put an old account of mine into collections. I have autopay set up with XXXX and everytime that I call it says my balance is {$0.00}. The debt collectors name and information is : Diversified Adjustment Service , Inc. Their web address is XXXX XXXX XXXX 

I called XXXX and they refused to assist me, sending me to Diversified. I called Diversified and informed them that i never received notice or the ability to dispute and they said " it was sent via regular mail. '' They have no tracking or proof that they actually sent it - nothing other than a database entry. I informed them that I did not receive it and the response was something like " well we sent it so that's all that matters. '' I told them that although I've never seen the debt I would pay it if they would delete it from the credit bureaus. I informed them of the hardship that they have caused me and that I am buying a house. I informed them that something as little as a {$400.00} bill could cost me hundreds of thousands of dollars in loan interest rate costs. There response was that they weren't going to do anything and I could pay it or not. 

Even if I pay this debt it will traumatically affect my credit score. It has reduced it almost XXXX points. This is not in any way consumer protection, and the fact that they would put it into collections without verified notice is wrong.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (CA)

On XX/XX/year> I submitted a complaint for a GAP refund I never got. So you responded with and said to read my contact in which I did over and over and i noticed that your contract is not the same as what I have I have proof I paid over {$1500.00} plus {$390.00} for optional gap waiver paid to seller. I will enclose my Contract and tell me where it says the same things that yours does please.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (CA)

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CO)

We used the Square , Inc service to receive credit card payments at a craft fair. After using it they deactivated our accound and have held our funds with no expectation of release. We asked why they deactivated our account and was told they wouldn't release that information.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Consumer complaint received 2022-08-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX BANK ( Bank XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX
Consumer complaint received 2022-08-29
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: CITIBANK, N.A. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I need my money I deposit from citi bank my mistake was to upload my check via phone and know my account is freeze with the money I have there am not working and I got XXXX girls to take care off I need my money because is mine and am struggling just because the department so this is not my fault and I dont want a check for a close account I want my money know am tired of all banks do what they want to do thats not okay
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX. XXXX XXXX : {$1900.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Consumer complaint received 2023-01-26
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (NJ)

Greetings, I am including my congressional representative in my correspondence since he has been with me in this and guiding me in the process ( Rep XXXX XXXX ). 
From the beginning : I cosigned a student loan ( approx XXXX ) in XXXX for my ex wife with Navient ( XXXX ) I divorced in XXXX ( XXXX yrs ) I found out she has not been paying the loan, and it is now near XXXX ( last few yrs ) I have been barraged by calls from Navient to repay the loan. ( ongoing for the last few yrs ) I contacted Rep XXXX ' office, and they were able to get an advocate involved from Navient ( XXXX XXXX ). XX/XX/XXXX In the meantime, the loan has been moved to Navient Recovery. ( XX/XX/XXXX ) I offered to use one of the vehicles that Navient has available- " Cosigner release '' ( 12 months of payments in ordere to get released from the loan ). 
I offered to pay the 12 months + 8 months ( missed payments ) to resolve the matter on my end ( approx $ XXXX ) ( XX/XX/XXXX ) I was told that since it moved to Recovery, that was no longer an option, and that the payments had to be made by my ex-wife to be considered ... huh? ( XXXX XXXX ) She ( XXXX XXXX said I MAY Be eligible for " cosigner waiver '', but I had to go through the recovery department. ( XXXX XXXX ) Congressman XXXX office went and got AN ADVOCATE in company to avoid the run around I am experiencing. 

That is the short version. Navient has ruined my credit, and turned this into a nightmare. 
Sincerely XXXX XXXX
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$1900.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
XXXX  website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Consumer complaint received 2018-10-26
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: Paypal Holdings, Inc (DC)

On XX/XX/XXXX, a purchased an item on XXXX for {$900.00}. I then contacted the seller and cancelled the order. I saw on my credit card that the {$900.00} were still charged regardless of the cancellation, so I started a dispute case with my credit card. The item was purchased on XXXX using paypal linked to a XXXX XXXX credit card ending in XXXX. The paypal transaction ID # XXXX was confirmed by paypal and XXXX   to be cancelled. Yet, Paypal stayed with my money and has not issued a refund, therefore, my XXXX XXXX card also billed me for it. All three companies say there's a hierarchy and XXXX  and paypal can't interfere since I have a dispute case open with my credit card. Per my credit card, they closed the case unfavorable. It's the second time I have to lose money after purchasing an item on XXXX  using paypal even though I have enough evidence that the item has been cancelled. I have contacted with the seller and she also experienced a lot of problems with both even though she submitted proof of cancellation and sent it to me as well.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

so we requested for currency change to get XXXX dollars a week before XX/XX/XXXX from our td bank. so when we went for pickup they give us XXXX XXXX dollar they took our td bank debit card for transaction so the employee of the bank gave us the money and said we all ok we count money in front of her twice and everything was good they give us receipt and we went home. so now after XXXX  months all of sudden on XX/XX/XXXX they took XXXX $ from my checking account without notify me and without giving me any reason so when i saw my XXXX $ debited from my account i called td bank right away and they give me the excuse that they didnt charge us full amount for the currency exchange which i dont even remember how much they took from my account on XX/XX/XXXX XXXX i approach the bank and tried to talk to manager the manager wasnt there so it took me two or three times to meet the manager so when i talk to manager they give us this self written by pen that they didnt charge XXXX $ they write that it supposed to be XXXX and they charge us XXXX $ i am feel like i amscamed that they just took my money from my account without no mail email or phone was recieved and they said they can do that without any notification i am not satisfied with their service because if i didnt pay them the exact amount which they took by themself from my card they usualy charge within a week how come they didnt realise they didnt charge me the full amount after XXXX months. i am not satistfy at all so i would like to get my money back i am not working hard to pay them for nothing
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? Trans Union is reporting {$0.00} and XXXX and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while Trans Union and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or Trans Union reporting any payment history? 

This information is all over the place.