davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
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: EQUIFAX, INC. (FL)

On   XXXX   XXXX   XXXX    , I forwarded a request to Equifax to provide verified of listed items or for them to delete them from my credit report. As of today,   XXXX   XXXX   XXXX    , I have yet to receive any results of any sort. On the letter to them, I included my address as well as copy of my ID and SS card to show proof that all my information matched and to confirm my identity. It has been over the 30 days they are allowed to send the results back to me.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

I tried to send XXXX to my mother. Cash app was experiencing connectivity issues and sent me a message saying that the funds will send shortly. After some time passed and the money still wasnt sent, I cancelled the transaction. Usually when you cancel a transaction the funds go back into the account immediately. Well the funds was never returned. I had a beginning balance of XXXX, when I tried sending the money my balance went down to XXXX. So I know the money was taken out of my account. I contacted cash app and they told me to give it some time that the funds will be refunded back to the original payment method used. I made this transaction on XX/XX/2024, it is XX/XX/2024 now. My funds have not been returned yet. So I contact cash app today and they keep contradicting what they tell me and then I ask to speak to a supervisor and she says that she is sending me an email for me to upload anything I have that will support my claim. I have screenshots of my balance after the money was taken out of my account and screenshots of the conversation I had with cash app the day of the transaction. I have proof that my money was take. Out of my account. At 1st she said that the money was never taken out of my account and then after I sent her proof that it was in fact taken out of my account, she replied and said that she can confirm that the money was returned. She then instructed me to search my transaction activity that I would see it. Well I have went through every single transaction on my activity page and there is absolutely nothing showing anything about a XXXX payment or refund or any kind of transaction at all after the money was taken out of my account. I then replied and asked her to send me a copy of whatever is showing her that my money was returned to me. Since she can confirm that the money was returned to my account I would like to see what is showing her that the money was returned. She is refusing to reply back to me and she is refusing to send me a copy of proof showing that my money was returned. Cash app has stolen XXXX dollars from me and I want my money back now!
Consumer complaint received 2017-10-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (MN)

In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Good morning my name is XXXX XXXX and my bank account is at Wells Fargo, The fraud case number is XXXX I am writing because, on XXXX XX/XX/2024, I was the victim of fraud on my personal account emptying all the money available. 
They used my debit card for a total amount of {$3800.00}, it was the result of 15 transactions to the same merchant XXXX in a couple of hours. 

{$410.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$91.00} to crypto.com on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX  on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 I reported the same day the fraud and visited my bank the next day, the bank concluded that there was no proof of fraud and the transaction was normal, closed the case, they told me that my debit card zero fraud was denied by visa to recognize the fraud and the bank was not responsible and can do nothing for me. 
I visited my bank again and i certified that it was not me and during the afternoon of XXXX XX/XX/2024 my phone service was disconnected and properly victim of swap fraud and i didn't have my phone service connected to me. 
My bank refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and visa refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and my mobile company recognized that i didn't have service on my phone during the XXXX XX/XX/2024. 
My mobile service is XXXX and I give you full authorization to investigate and request all you need from XXXX XXXX ( my phone number is XXXX XXXX XXXX ). 

Anyone looking at these transactions realizes there is a Fraud, I am nobody and big organizations do the same to thousands of people and it is a drama to lose so much money saving for paying bills that I can not anymore. 
I am a victim of fraud and have never done these transactions, so please help me to resolve my fraud issue. 
I am completely available for any questions or missing information. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.
Consumer complaint received 2017-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. 
We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? 
XXXX XXXX. Board member of XXXX XXXX. 
The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint on my own behalf to rectify an issue related to inaccurate personal information on my credit record. The provided information is not associated with me, and I urgently request the removal of this fraudulent data.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (NY)

I applied for XXXX. Had my background check Done by your company. And the incorrect information seem to not have Uploaded on your side .I was just wondering why when at the same time I had applied for XXXX, And was accepted .The company checkr, I believe did not get an updated version of my background check.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

Last year 2017 XXXX did not contact me about the need recertify my PAYE plan. They literally put in every single bill they send that the payment is an estimate and the the plan " Since you are currently on the Revised Pay As You Earn ( REPAYE ) plan, you are required to recertify your income and family size annually. Your next payment due above is an estimated amount if you do not successfully recertify. '' They do not say WHEN I need to recertify. This year I still don't know if and when I should recertify so I just went to the XXXX and filled out the form myself when I was able to. This is completely ridiculous. Neither student.ed.gov or XXXX bothered to notify my of WHEN to recertify by. When I did recertify last year after the deadline I had to resubmit the SAME EXACT FORM 5 times because they kept denying it. Clearly this is a tactic to squeeze money out of students by causing all the interest to capitalize. Having this company run this is a complete disgrace.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (NC)

I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. 

Original creditorXXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (TX)

XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.
Consumer complaint received 2017-09-04
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. (NY)

Transunion is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. Transunion should have received the same response. They just keep updating the information. This is probably my 10th complaint about transunion. It is ruining my credit score. Transunion also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted transunion and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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

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 2017-04-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG HOLDINGS INC (CA)

I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion credit bureau has my credit score way off. 
I have a auto loan through XXXX XXXX which I pay monthly and it is not listed on my Transunion report.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.
Consumer complaint received 2018-03-23
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. (CA)

I would like to dispute the case that Chase considered as " resolved. '' I have reported to Chase that there was a quickpay transaction on my checking account that I did not authorize and they refuse to help me get my money back. Chase has done nothing but make my life miserable regarding this and they keep blaming me for making the transaction. I dont know this this XXXX XXXX XXXX is and I made no such payment to her on Quickpay!
Consumer complaint received 2017-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I am on XXXX and have been for 3 years all medical bills are covered under XXXX county in Colorado XXXX department of health care and financing XXXX XXXX there are 2 issues on my credit record that I 'm disputing. I also have records showing I 'm on XXXX. I also never received any bill and if I had I would of handled it immediately again because I 'm on XXXX
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have submitted a debt validation letter I have also submitted an cease and desist letter to Capital one and they have yet to validate this alleged debt on my consumer reports. And to cease all communication and consumer reporting on a debt they can not validate. They have sent a request for me to submit information such as an account number but in this exhibit c it will show proof that they have an account number that they assumed is my debt which is proof that they are fraudulent reporting a debt that is not mine on my consumer reports. It clearly states in their letter Capital One account ending in XXXX with my name on it as my alleged debt. How can they assume an account number belongs to me if they cant validate that this account is mine.
Consumer complaint received 2018-03-23
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: Experian Information Solutions Inc. (TX)

As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX XXXX, XXXX.
Consumer complaint received 2018-03-23
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: EQUIFAX, INC. (TX)

As of XX/XX/2018 I check my credit report with XXXX, Equifax  and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX, and 13 hard inquiries on Equifax and 4 on  XXXX. 

I have been disputing with XXXX, XXXX and Equifax but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (NY)

I brought a lemon 2011 XXXX XXXX was in the shop for a half a year on return of the car the car has not worked correctly it is now going into shop for repairs it was over price which the blue book value the car for XXXX which XXXX charge me XXXX ; XXXX took them court the judge agree it was a lemon but could not award me a buy back because it was small claims court I won XXXX I get my bill XXXX months ago they claim now there a payment missing I sent copy of judgment paper work receipt but Santander bank acting like they don't have a clue what to do
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.