davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 a unauthorized wire transfer was withdrawl out of my savings account without my authorization i sent all the documentation to Citibank to tell them i am a victim of fraud i did not authorize a wire transfer. I was a victim of sim card swap XXXX confirm this
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

ON XX/XX/XXXX I received a cancellation notice from XXXX XXXX XXXX XXXX phone. They stated in the notice that I had a past due balance of {$140.00}, and my services had been suspended for all numbers associated with the account. I did not take any action as I had paid the bill in full on XX/XX/XXXX amount {$140.00}. 
I opened the account with XXXX XXXX XXXX on XX/XX/XXXX but I started having billing issues beginning of XX/XX/XXXX. I was charged {$110.00} even though my monthly payments was {$71.00} an overcharge of {$48.00}. I talked customer service and they stated they will prorate and I will pay {$23.00} instead on XX/XX/XXXX my bank was charged {$29.00}. I complained again to customer service about the increase but nothing was done. 
I was in a 2 years contract but after 8 months I decided to terminate early my contract. I went to XXXX XXXX XXXX  store in XXXX, TX on XX/XX/XXXX. The manager offered me a deal to pay {$140.00} of the remaining 12 months of the contract. I paid it off on XX/XX/XXXX. 
I went again to XXXX XXXX XXXX on XX/XX/XXXX after receiving the cancellation notice but, the store attendant could not pull up any of my information, it's like I never existed. Apparently, when one of the technician was working on my phone he accidentally erased the number I was using at the time. 
Because XXXX XXXX XXXX is falsely collecting this amount and reported me to all 3 credit bureau my credit score went down 23 points. The turned this bill to a collection agency SEQUIUM ASSET SOLUTION who opened a collection account on XX/XX/XXXX and the account is noted in my credit report and it is having an enormous impact on my credit score
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

IRS Tax refund ( XX/XX/XXXX ) of Maryland state tax refund ( XX/XX/XXXX ) sent to wrong bank USAA Federal Savings Bank to an account with no affiliation. IRS on XX/XX/XXXX and MD XXXX on XX/XX/XXXX have requested the tax refund to be returned to them so that my refund can process and sent to me. The USAA savings bank has not released the money after verifying it is there in someone elses account where I have no affiliation. This should have never been accepted by the bank. I spoke with XXXX in member security and XXXX bank ID # XXXX.
Consumer complaint received 2021-12-01
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original creditor : XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Mercedes Benz Financial, and XXXX XXXX XXXX. The Account Opened is Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (IL)

On XX/XX/2020 at XXXX XXXX I emailed a letter to XXXX regarding the FRCA Section 609 ( a ) ( 1 ) ( A ) where Bureaus Investment Group Portfolio is required by federal law to provide - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - I was told that I should be receiving verifiable proof with in 7 business day. I have not received any physical proof that this debt belongs to me. 

I am demanding that Bureaus Investment Group Portfolio deletes any information currently being reported to the credit bureaus immediately.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2024, Capital One Bank blocked all the funds from my checking account because they needed to verify their origin and all payments from my employer. 

They requested a phone number to confirm my employment, but XXXX XXXX XXXX I provided doesn't work for them because it's an automated system, and they demand a phone number to talk to an actual human being. 

I went to one of their bank coffee branches with all my original payslips, but still, that wasn't good enough for them ; they kept asking for a phone number and weren't open to any other option to verify my employment. I also provided an email address and fax number. 

In the meantime, all my funds are entirely blocked, and I can only access them once they decide to unblock them, which at this pace will never happen. They have yet to be able to provide a solution and keep asking me to call over and over again for no purpose ; I've called five times and gone to the branch twice.
Consumer complaint received 2022-11-20
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

I used the XXXXXXXX XXXX feature with Chime ( XXXXXXXX XXXX  ) on Thursday XX/XX/2022 and tried sending money to my sister in law for rent, it was in the amount of {$650.00}. I did this in the month of XXXX as well. As normal I put her name in the search button it populated and I sent her the money. The money was automatically deducted from my account but it never went to my sister in law. It went to a gentleman named XXXX XXXX who I do not know at all. Some how his chime tag got on my sisters in laws name. With in 3 minutes of the transaction I called chime to dispute the transaction as I do not know the person that received the money and it took less than XXXX hours for them to tell me the dispute was closed as they did not find any evidence of wrong doing. I then called them again and they said I would have to send more evidence to reopen the dispute. I sent them screen shots of my sister in laws name as I input in the search bar and a screenshot of when I put the amount I was sending her which still showed her name. With in less then XXXX hours they told me it still was not enough evidence. Now this person who I dont know XXXX XXXX has my money and Chime will not return my funds.
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

We have our home mortgage serviced by PenFed Credit Union. As of XX/XX/2021, the institution does not allow members to pay its mortgage payments bi-weekly through either the online portal nor by phone. The online portal only allows for monthly payments and no partial payments which limit you from setting up bi-weekly manually. If you are process the payment by phone, they do not guarantee the correct calculation of interest - the first payment is held in queue until the second payment is made, thus requiring you to accrue additional interest. 

This issue is further exacerbated by the fact that I do not have consumer choice on who services my mortgage - as a result, I am forced to accrue additional interest due to system limitations.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FinCo Services Inc DBA Current (CA)

Has no way to close accounts. Makes it very difficult to close- have to go thru customer service which one they know its an account closure, wont respond. Finally got thru and they refuse to refund the prorated account fees that I paid in advance. This is a disgrace, they are stealing from kids and low income people
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) & ( XXXX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-01
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: AMERICAN EXPRESS COMPANY (OH)

Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I placed an order on XX/XX/2021 with XXXX  for two pool cues, towel, chalk, glove, and a cue tip. I paid for priority shipping and called the office to make sure they send my items together to minimize shipping errors because of a previous incident with an XXXX order that was shipped to a different city and I didnt want the same thing to happen again. I was suppose to receive the order on XX/XX/2021, but I didnt so I waited and finally on XX/XX/2021 I received my items missing the two cues and the towel. After that I checked the weight of the package on the USPS website it said 5 lb, and I looked up how much everything should of weighted and it turned out it is suppose to be between 8 to 10 lb. I also noticed that there was a dent on the side of the box and if the box was full with my cues that dent wont be as big as it is. 
When I contacted Wells Fargo they denied my claim and now I dont know what to do especially because it is my first time this ever happened to me.
Consumer complaint received 2024-02-26
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. (MD)

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account.

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim.

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report.

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary.

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

They basically contacted me in XXXX because I had missed XXXX payment and I had never been late or missed a payment before offer me a forbearance type of deal so I can get caught up. The next thing you know theyre telling me that I have to make a past due payments in order for this to start which I made XXXX and then I got no answers as to what exactly was going to happen after that I called several time. Each time I got a different person and a different answer say no we dont do that no you cant do that you have to pay there she had to pay more money asking me for additional payments and my question to them as well what good is the forbearance if youre if Im paying now even more payments then I was behind. I cant get a straight answer from them and then I get a letter saying that if I dont pay over {$4000.00} by XX/XX/XXXX if theyre going to take my house they say that Ive made no payments whatsoever I went to my bank and I have transaction history posted on XX/XX/XXXX this year on XX/XX/XXXX of this year and XX/XX/XXXX this year and XX/XX/XXXX all mortgage payments made to them but not the extra payment I had to pay them last month of {$1100.00}.
Consumer complaint received 2018-02-17
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. (GA)

XXXX, Experian, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX Bank. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
Consumer complaint received 2022-05-01
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 act US DEPT OF ED 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 an account without my written instructions
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I reached out to SYNCHRONY BANK in regards to my account with them that my credit limit was decreased, I informed them this was unauthorized used of this credit card and that I the consumer received no benefit informed the agent that this is a billing error and I request all and any documentary evidence along whit a full ledger of this account, the agent ignored my request and left the live chat and never acknowledge my request as stated in the live chat with the agent : I am formally giving you notice of this billing error, I the obligor request full file disclosure, additional clarification including documentary evidence for public and private side ( all documents, paper, correspondence, books of account, financial and corporate records, journal and credits of account, ledger and debits of account ). With out the requested documents I the consumer will not be able to clarify and address such subject matter contained in this billing error if the documentary evidence requested is not provided per the law and outside firm will be hired to perform a forensic financial audit for the account utilizing the Bloomberg terminal I expect that you will exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy the agent ignored my request and failed to answer or acknowledge my request and left the chat