davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

A XXXX XXXX requested Via Zelle I sent XXXX to the account connected to the property manager XXXX XXXX XXXX for a deposit on an apartment I was applying to rent. The renter called and requested I send the funds to secure my listing on XX/XX/XXXX. I was waiting to meet and view apartment, sign lease the following XX/XX/XXXX but they were delaying the process and I explained I wished to receive a refund and that it would take 7 business days but I wanted the refund immediately for poor business practices and potentially fraud in offering the home. I filed with federal business burea.
Consumer complaint received 2022-11-17
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/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 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 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 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
Consumer complaint received 2022-10-09
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. (TX)

XXXX XXXX errantly charged me a unreturned equipment fee of {$770.00}. Although XXXX customer service admitted the error immediately, it took them 5 months ( from XX/XX/2022 until XX/XX/2022 ) to get their financial department to admit the error. They sent me a letter on XX/XX/2022 that stated theyve filed an amendment with all major credit reporting agencies for the account to be deleted. 

I submitted a dispute on XX/XX/2022 which included the above referenced letter from XXXX. As a result, Experian errantly updated the account balance from {$770.00} to {$0.00} and the status from Collections to Paid, Closed. This update made no sense as I never paid XXXX a cent after I canceled the service in XX/XX/2022. Either the charge was valid and both the balance and status should have remained the same or, as I contend and XXXX has confirmed, the charge was not valid and the derogatory remarks should be removed. 

I requested a reinvestigation on XX/XX/XXXX and resubmitted my documentation. This time it took Experian until XX/XX/XXXX to decide that, despite having a letter from XXXX that says the account should be deleted, the status should be updated to Paid in Settlement.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX XXXX I am writing on my own behalf about concerns on my credit report. I got my credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct these error and only received 1 notification back after that no other response was made to me.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Someone used my name and got {$590.00}. At Check Smart. In XXXX Ohio. I did not receive anything from this company. Just a phone call last week.from XXXX. From a manager.
Consumer complaint received 2017-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have called navient the past 7 months because they told me that they ca n't or did n't process my payment because they were n't able to find my bank account. Now XXXX XXXX 2017 and navient told me that I am currently {$1200.00} past due. When I have the statement from XX/XX/XXXX and XX/XX/XXXX stating I am {$0.00} past due. Every other loan is on autopay. They have n't been taking any finances out on one loan. This loan id has been giving me problems for 2 years. Now this has been ruining my credit because navient says I have paid the loan for 1 month and the next they say I have not.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

XX/XX/2019 : I received a letter from Discover stating that my account was closed. The reason given was a " business decision. '' I was told that I can not be given anymore information and to write a letter to their headquarters for more information. 

XX/XX/2019 : I wrote a letter to Discover and later in the month, received communication that my letter was received. 

XX/XX/2019 : Received a phone call from the executive office and was again told that it closed due a " business decision. '' Also, I was told that I not allowed to get any more information and that they were the highest department I can complain to. 

Context about me : Never had a late/missed payment, total credit utilization is around 5-7 % on average. I have 4 other credit cards - again no late/missed payments. Credit score is around 750-800, depending on credit bureau. I have a mortgage that has been paid on time each month and equal to about 1yr of salary. I have 1 car payment, which again, has been paid on time each month.
Consumer complaint received 2022-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I returned back to school in XX/XX/2020 and at that time I was still making monthly payments to Navient on my private student loans. I requested that the payment be paused for in-school deferment, however, after speaking with several agents I was bullied into keeping my payments going. I was told that I would no longer qualify for the rate reduction program upon reentrying the program. I felt very ashamed and bullied by the individuals I spoke with, while still struggling to make payments. I was even called by an agent who, before even asking how I was doing, asked whether I was going to send my payment. Mind you, I had a payment pending on my account, but he'd rather I make a payment with him over the phone. I verified that this was an actual Navient agent and not a scam call when I hung up and called the number back.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I have called the XXXX XXXX XXXX XXXX  about my payment history showing up wrong on my experian credit report. They sent me over my ledger and it shows XXXX and XXXX was paid on time. Only XXXX is reporting correctly. By them not reporting XXXX my score will not increase.
Consumer complaint received 2017-12-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (KY)

Mortgage Lenders of America, out of XXXX XXXX, Kansas, via their representative, XXXX XXXX, made me believe for several months that closing costs on a home I was trying to purchase would be roughly {$4700.00}. I have saved and put back everything I could to accumulate that amount and the sellers of the home I have been trying to purchase have also been trying to help with closing costs. Up until XXXX, XXXX XXXX, I have been led to believe that the cash needed to close would be the roughly {$4700.00} I mentioned. Our closing date was scheduled to be XXXX XXXX, XXXX. On XXXX afternoon, XXXX XXXX called me to inform me that the cash to close was going to be {$6800.00}, which is obviously a lot more than what I was led to believe and way too much to come up with with less than a week before our scheduled closing. I am not sure what can be done, but this was a very dishonest thing to do. I only ask that someone be up front and honest to begin with instead of stringing us and the sellers both along about what the cost of a company 's services are going to be. This has been a horrible experience with Mortgage Lenders of America and I only hope that in writing this that I can help someone else avoid the troubles and problems I have had with them. During the process, my wife and I were also asked for the password for our bank account, which we did NOT give out, of course. We have wasted money on an appraisal and several other fees and not really sure what we can do to recoup those losses, but I just hope no one else goes through the same thing my wife and I have.
Consumer complaint received 2019-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (NY)

Good afternoon, Thank you for your time.

I leased a car from Mercedes Benz.

The release was paid in full at the beginning of the contract.

When I returned the vehicle there were no other funds due. MB claims to have identified damage and charged me an additional {$620.00}.

They sent numerous notices to an incorrect address.

When I became aware of the debt, it was in collections with Mercedes Benz Financial Services ( MBFS ).

I called them immediately and we settled on paying {$400.00}. They were to send me the info where payment was to be made. They did not.

I called them again after receiving another notice.

I made payment over the phone, with MBFS for the full amount on XX/XX/19.

MBFS has continued to send me threatening letters with language such as " final notice '' letters without a response that notify me that you " have attempted to resolve this matter amicably ''.

When I contacted them yet again, they had not record of the {$400.00} payment and wanted me to pay the full {$620.00}.

I stated that I would send proof of the payment and sent them a portion of my bank account statement showing {$400.00} being credited to MBFS.

Yet they continued to call and state that I owed them {$620.00}.

I asked what did I have to provide as proof that payment was made in full.

They stated that they wanted my complete bank account statement, specifically all pages. I found this odd since they could check back to their account to confirm payment. It seemed fraudulent.

I sent them the information anyway but redacted vital info but they still have not acknowledged that the debt was paid and verbally stated that they refuse to send me a letter or email stating in writing that my debt has been paid.

MBFS has behaved in a harassing manner regarding a debt that may have been fabricated but was paid nonetheless and will still not recognize that the debt was paid and will not provide written confirmation. It makes me very nervous that something fraudulent is transpiring with this company.

Thank you again for your time and attention
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I was very upset. I attempted to use my Capital One Credit card and noted it was on restriction status. I called on XX/XX/XXXX at approx. XXXX ET. I spoke with XXXX, the supervisor, and asked her why was my card on restriction. She explained that I used one of my XXXX XXXX accounts listed with my credit card was used to pay XXXX and it triggered the system because I have not used the XXXX XXXX account since XX/XX/XXXX. I explained to her I did not know I was not able to use any of the bank accounts associated with my credit card account to pay a bill anytime I wanted to. The supervisor explained that she would have to verify my bank account. I explained to her it was unacceptable. My XXXX  did not open until Monday and I needed to use that day. The supervisor noted that none of my bank accounts were verified since XXXX. I asked her was that legal? I could have been paying money towards my account from anywhere. The supervisor noted they trusted me. I explained to her I felt offended because of my race because now your company has been accepting an significant amount of money without verifying my bank accounts listed and now its restricted based on you not trusting me anymore? As much money I poured into this company I can even get a credit increase. As a result, I can not use my credit card. I work on a XXXX  XXXX  very sick XXXX  and I have to take time out of my day to call Capital One back so I can remind them to call my bank to verify my bank account after being with them over several years. Talk about more stress as a front liner. Please help. Something is definitely wrong here.
Consumer complaint received 2021-10-28
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. (OH)

I contacted the creditors who placed the inquiry, and asked them to remove their credit inquiries from my credit profile. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. Delete these inquiries!!! Im not having a company send this this is XXXX XXXX!
Consumer complaint received 2019-08-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Consumer complaint received 2020-12-08
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: JPMORGAN CHASE & CO. (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On Wednesday XXXX XXXX, XXXX I initiated a wire transfer ( transaction # XXXX ) from my Coinbase account to withdraw funds to my personal banking account. The Company Coinbase is claiming " degraded service '' with a delayed transaction time of 3 business days. It has been 5 business days and they do not respond to emails. The total transaction amount was XXXX including a {$25.00} wire transfer fee. I also attempted to direct message them via XXXX but they do not reply. I currently have a case open with them XXXX. The initial email response I received from them last Saturday was a computer generated response that did not pertain at all to my situation. When I replied I got another generated response stating they might not respond for several days. I am not the only consumer with this issue and have spoken with other via XXXX who have been waiting longer. This is unacceptable.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I paid this account in full in 2016 but Wells Fargo refused to update my credit report reflecting this. I never closed this account as it states on credit report. This account should still be open and active and it should show that the account was paid in full and on time. Well fargo refuses to provide me with the account information.
Consumer complaint received 2020-11-11
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-11-11
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Consumer complaint received 2019-08-02
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. (NY)

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.
Consumer complaint received 2019-08-13
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: SYNCHRONY FINANCIAL (TN)

There is an inquiry from Sync B/Lowes on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.