davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I took out a private student loan from XXXX back in XXXX I was young and was advised by my then University to apply for a student private loan as I would not have to repay it back until I graduated. I was so unaware of what a variable interest rate was and regret every taking out this loan. The original amount of the loan was XXXX. I believe my first payment was in XXXX of XXXX. I've paid a total of XXXX dollars since XXXX I came to understand this recently while working with a financial advisor as we wanted to invest in our kid 's future. My brain was so locked and this payment just became part of my life and I never questioned it till now. I NEVER once was told what a variable interest rate was at that age. This interest rate has fluctuated within the years that I've paid the loan once already and will continue to pay this loan till XXXX! I've called NAViENT who is currently servicing the loan and explained my concerns. I've spoken to supervisors and as soon as I mention this predatory loan they either hang up or tell me I knew what I was signing for when I got this loan out. This is the only thing I regret in my life if you ask me. It's haunting us till now. This was a predatory loan advised by my school to get, and granted to me by people who knew what they were doing. I really hope someone could help me out!
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

I signed up for venmo on XX/XX/2021. I sold a saw to a friend and he paid me {$350.00} on venmo. I added my debit card to my venmo account and tried to transfer my {$350.00} into my card and it wouldn't work. So I then tried to order myself uber eats because venmo advertises you can use your venmo balance to pay for XXXX eats and twice it declined it and then froze my account. On XX/XX/2021 I called and talked to venmo in which they told me I would be contacted by email in XXXX hours. The following day venmo emails me request a copy of my driver 's liscense so I immediately use there upload link and upload my Id. I recieved an email shortly after saying they had verified my identity and I could begin using venmo as normal. So I tried to send {$20.00} out of my account and it immediately froze my account again. I email venmo and once again they say my account is unfrozen so at this point I want my money out of venmo so I contact my bank at XXXX XXXX XXXX XXXX and they tell me I can make the transfer from venmo. I get back on venmos app and attempt to add my credit union through their app with plaid and i get a quick message that says success then the screen displays an x with the words " Something went wrong ''. They had froze my account once again for trying to add my bank account that is in my name. So I email venmo again and this time they send me a message back saying they have permanently XXXX my account and I can no longer use venmo and that I could not transfer my {$350.00} out of my account. They said they were keeping my money and in 6 months they would email if i could transfer my money. I did not violate any of their policies. I opened account tried to transfer money tried to pay for XXXX eats and tried to add my personal bank account and they did this.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX
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 Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2019-08-17
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: AMERICAN EXPRESS COMPANY (WA)

CFPB XXXX-XXXX was mistakenly closed as a duplicate compliant - this was NOT A DUPLICATE compliant as it contains new information regarding evidence of fraud that I did not have when the original compliant was filed. I had requested the evidence many times however, AMEX did not clearly communicate where I could find the information and delayed mailing it out until just a few weeks ago even though this dispute started back in XX/XX/2019. 

COMMUNICATION FROM CFPB XXXX-XXXX This is a follow-up compliant to CFPB Ref No : XXXX-XXXX. In there response, AMEX completely failed to address the issue of fraudulent charges as evidence by the fraudulent signatures shown in the documentation provided by the merchant. From day one of the compliant initially started on XX/XX/2019, I was very clear that I was at the location but did not make the charges. Any surveillance footage provided by the merchant does not prove anything. ID was provided to enter the merchant 's place of business. AMEX initial response documentation includes : evidence of one way mail correspondence by AMEX but failed to mention the multiple times I had called to complain I wasn't receiving the mail correspondence or the 5 times I re-disputed the claim but I 100 % disagree with the findings. Documentation also includes XXXX receipts showing fraudulent signatures as well as surveillance footage. Additionally note, on the XX/XX/XXXX call with AMEX I specifically requested that the associate mail any and all documentation/evidence that the company has on this case so that I may review it and not identify the inaccuracies. AMEX representative said this would happen - to date, I have not received any of the " evidence '' in the mail. Attached - + Original CFPB compliant + AMEX inadequate response + AMEX one way communications - this is what was provided in the original response by AMEX
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX GBPwas transferred from my wallet utilizing your services.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CA)

I immediately called to cancel my gym membership in XXXX due to the pandemic and fear of Covid exposure. I was never advised to call or submit an inquiry for cancellation. I was advised that I wouldnt be charge and that my account was inactive. I have received several calls in XXXX, XXXX  stating my account is past due and to update my payment. I am now being billed 2 months of gym membership for services I didnt acquire during the pandemic.
Consumer complaint received 2020-09-07
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 {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-07
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not screw up my life any more.
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (VA)

Our Mortgage is owned by Truist Bank and insurance company was XXXX XXXX, starting for an insurance claim after our house was destroyed by a burst water pipe while on vacation XX/XX/XXXX. 

Weve been constantly referred to XXXX dozens of times per call. However when we ordered our next needed inspection on XX/XX/XXXX weve been given countless promises of phone calls and information about when the inspection will take place, all of these promises have been broken. 

This inspection is to get the rest of the money to pay the contractor to finish the rebuild project on our home. 

Weve acted in good faith, and given them everything they need in a timely manner in all things during this yet we keep being ignored and lied to. I can no longer afford them patience because if XXXX XXXX behavior up to this point is any tell, then my family could face being homeless if the building project is not finished in XXXX months. 

When I originally ordered the inspection it was XXXX months of time remaining and that was already cutting it close to the wire. Bureaucracy has promised many times and broken every promise of phone calls and inspections. 

This must happen now.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, 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 2021-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX/alliance Data, continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX  and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. I will attach proof of what it was and how it was change and how it's reporting today.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801- Protection and nonpublic personal information, to report my transaction information. I did not consent for my transactions to be reported. These are the following companies that I am placing a dispute on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (NV)

XXXX REPORT PROVIDED BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX FAX XXXX Falsified my credit report for company listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.
Consumer complaint received 2021-09-07
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. (PA)

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, XXXX, and Equifax )
Consumer complaint received 2021-05-25
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: Convergent Resources, Inc. (FL)

On XXXX XXXX Convergent Outsourci add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred and sold and I'm no longer responsible for the account. Debtors creditors did no verify this collection. Also there wasn't no writing form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the fcra Convergent Outsourci has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CT)

I contacted Chase card services on XXXX by phone at around XXXX pm EST, to ask about the sale of the two charge-off accounts I have with Chase. XXXX XXXX transferred the call to XXXX in the Credit Bureau Specialist Unit. 

I asked XXXX if my charge-off accounts had been sold to a collection agency because Chase was reporting the balances to the three credit reporting agencies.

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

XXXX immediately stated that my charge-off debt had not been sold to a collection agency. 

I am a bit confused as to why I have a pile of collection letters from multiple collection agencies stating I owe them money for the charged-off debt, yet, XXXX from the Credit Bureau Specialist Unit with Chase says otherwise.

According to XXXX, placement is the sale of securities. 

So if my debt was " placed '' with an outside collections agency, the debt would have then been sold and the balance reported to the three credit bureaus should be {$0.00}.
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (SC)

XXXX XXXX XXXX XXXX has been assigned a few of my medical bills that are in collections. Due to being unemployed, I have contacted the business recently to accept XXXX ( XXXX ) account settlement offers and paid them. For the first account with an initial balance of {$190.00} ( acct ending in XXXX ), I paid {$160.00} via debit card ending in XXXX on XX/XX/2021. For the second account settlement, the initial balance was {$190.00} ( acct ending in XXXX ) and I paid the settlement offer of {$150.00} via the same debit card referenced above. I understand that it typically takes 30 days for resolved accounts to reflect on a credit report and obtain a letter of debt settled, however, I have asked multiple representatives to provide me with receipts in reference to these monetary transactions and they all refuse. I have spoke with the " supposed '' supervisor XXXX XXXX ( unsure the exact spelling of first name ), and even she gives me the run around. Due to the lack of professionalism and contradictory statements, I do not have faith that my money has been applied to the referenced accounts appropriately, and without some sort of proof of payment towards these accounts it is simply a bunch of hearsay. Additionally, multiple representatives have told me that I have XXXX additional open collection accounts, both totaling under {$50.00}, which are not on my credit report and I have no clue what they are in reference to. When I ask for debt validation of these accounts, the representatives and supervisor ( listed above ) tell me they are unable to provide that information. I am considering getting my attorney involved because I feel the business practices are unethical and illegal.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NBT BANCORP INC. (NY)

Vehicle loan that was sold to an insurance company that has submitted incorrect information to credit burues multiple times. After disputing the information via XXXX, which resulted in no update or any information changes. The creditor has continued to report incorrect information to negatively affect my ability to obtain a loan deliberately. I have contacted them directly multiple times and they deny the accounts existence. Intentionally doing this to prevent me from having this issue resolved to allow them more time to continue to submit detrimental information to credit burues. This includes their denying payoff by the dealership that the car was sold to by me when I purchased another vehicle. Items such as repossession of the vehicle over and over continue to display on my report and I am unable to get any assistance with this. I know the dealership went through a great deal just to locate this creditor and if it is resolved after almost a year of them having the vehicle I was not updated nor does it display that on my credit report.