davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

On XX/XX/XXXX 2019, I received an email from Navient that states " Your Deferment has been approved. '' I did not provide authorization for this change in my payment plan to occur. I spoke with XXXX at Navient on XX/XX/XXXX who stated that when Navient receives information from a school that you are enrolled in they often switch the payment plan to deferred. I did begin a XXXX XXXX in XXXX. However, I never sent any information to Navient. I never personally requested that I be placed on deferment. It is very concerning that this loan management program has the authority to make changes to my loan terms without authorization of the loan holder. If it is not already, I feel this should be illegal to do.
Consumer complaint received 2019-08-11
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: JPMORGAN CHASE & CO. (WA)

Bank : Chase Product : Chase sapphire credit card, chase travel. 

Summary : I tried to book a flight through the card 's rewards system. Due to a mistake the agent made, the ticket was not issued causing me to miss a critical personal event. However, they still charged me {$250.00} for booking the flight. They ruined my trip, and charged me {$250.00} for the privilege of doing it. After 6+ hours of calls, they have still not been able to put me in touch with someone who can settle the issue for me. 

1. I booked a flight using credit card points, from XXXX-XXXX ( itinerary # XXXX ). This was to attend a dear friend 's wedding. 
2. I realized I had booked the wrong dates, so I canceled the flight. The agent refunded the flight as a travel voucher, and sent an email giving directions on how to rebook the flight in future to claim the credits. I called Chase travel as per directions in the email to rebook the flight. I called on XX/XX/XXXX - the agent on the call said they rebooked my travel - departing XX/XX/XXXX night, and returning XX/XX/XXXX. They charged {$250.00} on my Chase credit card for rebooking fees. 
4. However, I did not receive any email with updated travel details - nor did I see any charge of {$250.00} on my card - as of XX/XX/XXXX morning. I called Chase travel on XX/XX/XXXX morning to inquire, and they told me they couldn't see any booking for XX/XX/XXXX. They apologized that they messed up my trip. 
5. On XXXX, I noticed a {$250.00} charge on my card. I don't know what they charged me this money for, because on XX/XX/XXXX they told me they couldn't find any booking on my name. 

So they ruined my trip, and charged me {$250.00} for it. And they are now giving me the run around and refusing to put me in contact with a supervisor.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I requested that my Bank of America, XXXX XXXX, FL account be closed XX/XX/2022. The amount was {$3600.00}. The check information was verified by the bank. The check never arrived. I called back in XXXX and they put in a notification to track the former check and reissue a new one. XX/XX/2022 I received a letter stating the account money was addressed to and deposited to an unknown name. The check was not filled out addressed to me or sent to me as Bank of America claims it was.
Consumer complaint received 2019-08-11
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: U.S. BANCORP (CA)

My father purchased {$50.00}. gift card, MasterCard, from his local store and gave it to me for my son 's XXXX gift. The online site for " registering '' the new card was down during entire winter break, and thereafter, said the card 's number did not exist. Called customer support, and they can't pull up ANY history for the card ; they state the card number isn't in their database. This is a new card, never lost or stollen. This is theft by MasterCard gist card services.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts that are not recognized are 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
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal frequently. my email linked to my paypal is XXXX but i cant change it to my new email to see anything they sent me ethier
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

Ive not worked since XXXX of 2020, my mortgage company attempted to defer payments, however, I was not receiving unemployment, so I had no income to pay the taxes and service fees to defer payments. They are now threatening to foreclose on me. I am still unemployed, looking for work, and receiving unemployment. I am doing my best to get caught up, but they arent working with me any longer.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. 
Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.
Consumer complaint received 2023-01-09
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Convergent Resources, Inc. (MS)

My ex-wife charged a cell phone to an account I did not know about. This charge was after the marriage ended. 

This was a fraud. I should not be responsible for something that was done without my approval. 

I contacted the merchant and explained that I did not approve this charge. I was not utilizing this account in any form. This account was managed without my awareness.
Consumer complaint received 2022-04-02
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. (CA)

XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to Experian, and XXXX XXXX causing damage to my credit score making it even harder to provide for my family it's been very stressful.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (TX)

I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NC)

NCB Management services has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written NCB Management services on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. NCB Management services has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section NCB Management services also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true NCB Management services has again used another stall tactic in order to circumvent the law. XXXX XXXX XXXX has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tact NCB Management services XXXX XXXX XXXX has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that NCB Management services send this document from their address showing proof NCB Management services has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information NCB Management services actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Consumer complaint received 2021-02-02
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. (NC)

Transunion has refused to supply proof of investigation of a fraudulent account XXXX XXXX services Acct # XXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Transunion on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Transunion is required to supply proof and method of their investigation. Transunion has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach our before suing under section 616 Transunion also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Transunion has again used another stall tactic in order to circumvent the law. Transunion has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by Transunion to willfully break the law. Transunion has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that Tranunion send this document from their address showing proof that Transunion has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. Transunion actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries 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 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and trans union causing damage to my credit score making it even harder to provide for my family it's been very stressful.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX  is not reporting this account, Equifax is not reporting this account, XXXX  XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XX/XX/XXXXis not reporting this account, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file,XX/XX/XXXX Account Number XXXX XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXX is not reporting this account, XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, XX/XX/XXXXis not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, XX/XX/XXXXand Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, XX/XX/XXXXand Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -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 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

We were wronged by Wells Fargo and have had to move multiple times because our credit was ruined. They would not work with us and we lost our home. This happened in the mid 2000 's. I am afraid they can not contact us because their information is outdated. They will have to look our information up as I no longer have the records but they should in their system. 

Our addresses were : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ZIONS BANCORPORATION (CA)

California Bank & Trust, I dispute amount in XX/XX/2019 in /XXXX  /XXXX  /XXXX regarding over charging me for something I already paid for, XXXX XXXX XXXX   company took amounts from me twice, underline threats was made to me by the ticket agents, that long delays will happen if try to dispute the second amounts that was taken from account under direst, the company threaten long delays such as 12 hours. I put in a dispute with my bank ASAP when I left XXXX XXXX XXXX, the Amount over {$300.00}, I am XXXX and receive SSI once month on the first of every month, because of this extra transaction I ran out of money and had to get help returning home to XXXX XXXX California, I went to California Bank & Trust many of times since returning in XX/XX/2019, always given the cold shoulder by the employees at the branch where I open my account, Downtown XXXX XXXX, my atm card have been block every since, can't purchases any products by atm have go to the atm machine to retrieve the money to pay, I am over this it's been over a month now, will close account when California Bank & Trust credit my account I disputed ASAP, I have had other accounts with other banks every time disputed any amount my account was credited immediately. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX of 2020 I opened a checking account with Bank of America using a promotion code they sent to me via the U.S.P.S. The offer code was XXXX and stipulated that a bonus of {$300.00} would bee paid within 60 days of meeting the terms. The terms were to setup and receive direct deposits totaling {$4000.00} within 90 days. Those terms were met on XX/XX/2020. After not receiving the {$300.00} bonus after 60 days had passed I contacted Bank of America Customer Service on XX/XX/2020 and was told that sometimes it takes longer than advertised, theyd mark a note to the incentives department and to contact back in a few weeks if it had not been paid. After another month I again contacted Bank Of America Customer Service on XX/XX/2020 and spoke with an XXXX. XXXX informed me that the nothing was sent to the incentives department after the first call and that he would make sure it was done this time and it would take 30 working days for resolution. I repeatedly asked for a case number, follow-up contact, and whether I would get any email correspondence regarding the matter. No case was provided but I was told I would receive an email. Ive not received an email as of today XX/XX/2020 so I have little faith that Bank of America is handling this breach of the terms they advertised for opening a new account. 

Please assist with resolving this issue and preventing this financial institution from committing fraud against other customers.