davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (LA)

I am the victim of an employment scam. I received a check of {$2900.00} from the fraudulent company on the XXXXXXXX XXXX XXXXXXXX. 
XX/XX/XXXX funds for a check that XXXX mobile deposited was available for use. I transferred a set amount of {$2800.00} to another person as instructed by the fraudulent company. By the morning of XX/XX/XXXX the funds were transferred and then the check was bounced. Causing an additional {$2900.00} to be taken from my account leaving my account balance to be in the negative of {$670.00}. I proceeded to call my Bank to report the situation and was told nothing could be done for me and that I was at fault for not knowing the check was a bad check and that their Fraud department will be unable to help. As well as not waiving the overdraft fees.
Consumer complaint received 2020-11-21
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. (PA)

I am filing this complaint because Experian has ignored my request multiple times to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-11-15
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. (OH)

I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX Department  store, XXXX Department Store, XXXX XXXX Credit Card, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( two cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Worthless customer service. Wronfull reporting of payment history, overcharges on intrrest, when i request indormation they never send it. Plase help me with this nightmares im sure they have recording of my endless calls
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

XXXX phone bill that have been reporting since XX/XX/XXXX to credit report Experian. I have dispute this account with Experian and ask them to provide information on how the verifying the information. I called XXXX and they have no information of this account and why its reporting. I suppose to close on my home now this account is reporting as a charge off for XX/XX/XXXX. The account was originally charge off in XX/XX/XXXX according to old credit reports.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-17
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  XX/XX/XXXX
Consumer complaint received 2021-05-04
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: CITIBANK, N.A. (WA)

Background with original merchant ( XXXX XXXX XXXX ) : I ordered {$630.00} worth of items from XXXX XXXX XXXX ( the website no longer works now ... ) back in XX/XX/XXXX with an original time window to receive the items by end of XXXX. According to their website, they then delayed the goods until end of XXXX. I reached out on XX/XX/XXXX where they said items would be shipped early XXXX - this would be the last time I would receive any communication from the company. On XX/XX/XXXX, I requested an update on the order status, and on XX/XX/XXXX after a 72 hour window in accordance to their company policy, I officially requested a refund from the company. 

Credit card chargeback process with Citibank : On XX/XX/XXXX I initiated a credit card chargeback through Citibank 's portal, and supplied all relevant info towards the non-delivery of goods. This includes the original receipts, screenshots of their website, original timelines & delays, official communication from their customer service department ( and subsequent failures to respond ) including a refund request per the merchant 's policy listed on their website. On XX/XX/XXXX I received communication that the investigation has been closed, despite the Merchant responding with insufficient evidence to say they have provided any service for the charge. I have not received any goods, and their information they provided only lists the credit card charge details and address for delivery without any receipts or tracking numbers showing goods have been delivered or are in transit. I have provided all my details and have to appeal the decision to close the investigation despite all information provided working in my favor. As of XX/XX/XXXX the charge still exists on my card.
Consumer complaint received 2021-09-04
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. (GA)

I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.
Consumer complaint received 2021-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (IL)

I received a statement from the school outlining aid received. On the statement one of the loans indicated an lgl ( loan guaranteed loan ) The other a guaranteed student loan. Also XXXX XXXX XXXX and Federal Pell grant. Noticed on the Federal student aid Pell grants are not showing for this school. Did some research USA funds were a short term lender ( last resort ) the school issued XXXX normally. That would explain why family members and next door neighbors were getting calls from USA funds to help guarantee a loan. Don't know how an lgl can result in a Federal stafford loan. USA funds put in my financial aid record that the loans were not going to be subsidized. Eventually they got some third party person as to what was disclosed to me to guarantee the loans. This too must failed and the loans became XXXX XXXX subsidize loans however no one could locate a subsidy. When I contacted federal student aid they said if I were 8issued a Pell it would show up. I believe my pell was used to guarantee those loans. Received an incomplete response of copies of letter sent to the Department of Education debt resolutions as outline in previous complaint.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2020 ( {$25.00} ) : Paid seller via Venmo {$25.00} for a product. 
Seller substantially misrepresented and falsely advertised the product/ did not provide what was purchased. Seller has refused to refund or provide the product that was purchased. 
XX/XX/2020 : Opened chat support with Venmo agent XXXX XXXX for support ( ticket # XXXX ). Was informed Venmo would reach out via email if any information was necessary, but no other information was provided. 
XX/XX/2020 : ( {$25.00} ) : Transaction from Venmo posted to my checking account, withdrawing {$25.00} from said account. 

Seller committed fraud. 
Merchant ( Venmo ) offered no apparent protections for the purchasing/sale of goods via their platform.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (TX)

On Sunday, XX/XX/2020, while checking my on line bank account with Firstbank i noticed 2 unauthorized transactions. The transaction amounts were for {$240.00} and {$300.00} and were from XXXX. I immediately contacted Firstbank in Puerto Rico by phone. I was told by a customer service agent that the bank was unable to stop the transactions. The bank customer service rep told me I would need to wait till the transactions processed and to call the bank back on Wednesday, XX/XX/2020 to submit a request to investigate the transactions. 
I followed the bank reps instructions and called backed on Wednesday, XX/XX/2020. The bank rep that I spoke to took my statement and cancelled my Visa debit card ( XXXX XXXX XXXX XXXX ). 
I also mailed a letter on XX/XX/2020 to Firstbank Customer Experience & Problem Resolutions Dept in Puerto Rico asking them to reverse the fraudelent charges. 
On Wednesday, XX/XX/2020 I called Firstbank in Puerto Rico for a status on my claim and the representative told me my claim was denied because I had not cancelled the debit card the transactions were made on. 
I requested to speak to a supervisor and i was transferred to Ms. XXXX XXXX. Ms. XXXX saw that the Visa debit card was cancelled on XX/XX/2020 and she submitted another request to their department regarding the fraudelent charges. 
On Friday, XX/XX/2020 I called Firstbank in Puerto Rico for status on my claim and I was told it was denied again because I had not cancelled the debit card and the charges were made in the area I reside in. The customer service rep did some additional investigation and found that the wrong debit card was cancelled and that the 2 transactions were atm withdrawals using my ATH debit card and my pin. The bank rep then cancelled the correct debit card ( XXXX XXXX ) and submitted a another request to their department. 
On XX/XX/2020, I received a call from Firstbank fraud department asking me if I tried to use the debit card ending in XXXX to withdraw money at an ATH machine and I told then it was not me. I also explained to them about the 2 fraudulent charges on my account. 
On Thurday, XX/XX/2020 I called Firstbank to follow up on claim and again I was denied because the card used for the 2 transactions was my debit card and my pin was used to withdrawal the funds. They also told me the transactions were done in the area I live in. 
Another request was submitted on XX/XX/2020.
Consumer complaint received 2022-04-27
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. (TX)

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (WI)

This company calls at all hours of the day, switches the phone numbers they are calling from, they call numerous times per day. They are the finance company I bought my car through, theyve threatened if I dont pay now theyre going to report negative to my credit report. My car note is due the XXXX of every month, they get their payment before end of month but they dont stop calling until they do. My household has been income impacted because of COVID they are aware of this, weve asked them to stop calling us because they still get paid every month is just not on the due date. They call my boyfriend all day every day and they call me all day every day. This is harassment at this point I want to file a suit. Theyve called from XXXX, XXXX, XXXX, XXXX, their number is always changing they are located in Florida theyre not even supposed to be calling from a XXXX area code that is XXXX WI.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NJ)

Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection account does not belong to me and/or any transaction I had made : alleged account with AMERASSIST AR SOLUTION ( XXXX XXXX )
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: Experian Information Solutions Inc. (SC)

i am submitting this because the 3 bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.
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. (SC)

i am submitting this because the 3 bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-04-27
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. (TX)

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On Friday XX/XX/19 at about XXXX CST I sent a payment of {$300.00} to an email address in exchange for concert tickets. The tickets were not sent, and within 30 minutes I realized I had been scammed and immediately contacted Chase Bank. The payment was sent via XXXX, and Chase advised that they do not consider this fraud as I sent the payment knowingly. Despite not receiving the goods/services I paid for, they would not reverse the transaction. Chase said that if my account was hacked, they could reverse it - so we know it's possible, they were just unwilling to help stating that this is more of a wire transfer and that I am responsible for any party I send it to. The recipient told me they used XXXX XXXX XXXX, but Chase was also unable to verify that for me. I am a clear victim of fraud in this case and have reported this to local authorities as well. I am seeking help in working with Chase to reverse the payment.
Consumer complaint received 2017-12-19
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. (IL)

For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NE)

On XX/XX/2019, we received a letter from Flagstar Bank regarding instructions for our request to cancel the private mortgage insurance on our mortgage loan. The cost for doing this, as stated in the letter, is {$120.00}. The letter gave instructions for where to send a check in that amount and that a representative will contact us to set up an appointment. The letters are attached with this complaint. 

Nowhere in the letter does it state that an additional fee MAY be changed, only that the cost for canceling PMI is {$120.00}. 

Flagstar deposited the {$120.00} check on XX/XX/19. 

On XX/XX/2019, Flagstar Bank sent us another letter stating that there would be an additional fee of {$100.00}. If we wanted to cancel PMI, we needed to send in the additional {$100.00}. 

This, in my opinion, is fraud. Flagstar Bank did not inform us of any additional fees. They deposited our check and then informed us that if we still wanted to cancel the PMI, we needed to send them an additional {$100.00}. 

This is one example of many instances of poor customer service and dishonest practices that we've experienced with Flagstar Bank. Calls were not returned. At least one formal complaint with Flagstar Bank ( XX/XX/19 ref. # XXXX ) was ignored. Other issues regarding the endorsement of a check for our roof repair due to hail delayed payment to the roofing contractor for over a month. 

All of the calls with Flagstar Bank were recorded. However, since there is identifying information included on the calls, I won't attach the recordings. 

Thank you for your follow-up.
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AK)

I received XXXX On XX/XX/XXXX. 
There were no terms sent to me stating it was a 600 % apr. 
I made a payment of XXXX on XX/XX/XXXX. 
I called to payoff in full on XX/XX/XXXX and was told I owed XXXX I set up to pay that amount and its still in my account XX/XX/XXXX. Even though I was scammed. They never disclosed the payback amount until I signed the agreement. And why is it still in my account? They need to be stopped. Shut down. I cant afford to pay that back but had to borrow because if the interest kept on it wouldve been XXXX to pay back and now I dont have rent money.