davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

My wallet was stolen on XX/XX/2019. I started receiving messages about potentially fraudulent transactions while I was driving home from work that evening. When I parked and checked my purse ( approximately XXXX XXXX. that day ), I found that my wallet was missing. I notified my credit card issuers immediately that evening. There were XXXX charges on my Citibank credit card that were initially reversed, but then posted again on XX/XX/2019. These were a charge at the XXXX XXXX in the amount of {$2600.00} and a charge at XXXX in the amount of {$220.00}. I did not incur either of these charges - they resulted from the theft of my wallet. 

I spoke with a fraud investigator from Citibank and also sent them a copy of the police report I had filed with the XXXX Police Department on XX/XX/2019. I was not informed that the charges would be reinstated but found this when reviewing my account information online. The " dispute '' function usually available for transactions was not available for these two transactions.
Consumer complaint received 2018-09-19
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. (OH)

A new collection listing on my TransUnion credit report under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and XXXX   has no business placingn it back on my file. I intend to file charges against XXXX for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market. 

Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target. 

While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on. 
I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX. 

The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on EOS CCA ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NC)

In XXXX XX/XX/XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XX/XX/XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XX/XX/XXXXas well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to graduate school in XX/XX/XXXX, and it was only after I graduated in XX/XX/XXXXthat they approached me about the default status in XXXX XX/XX/XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with XXXX  and XXXX  multiple times, but they refuse to update the information.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

THESE ARE NOT MY INQUIRYS. I HAVE ASKED SEVERAL TIMES TO REMOVE THESE FRAUDLENT INQIRYS. 
Equifax is reporting the wrong information and when asked that they do a investigation they send me a letter saying " INQUIRYS ARE ACTUAL FACT '' That is not considered a investigation. Please do the proper investigation and send me copys of my applications foor credit or service bearing my actual signature. If these accounts were open online or over the phone then please remove them ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/2017 Telephone Companies -- -- -- XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX/XXXX Inquiry from XX/XX/2017 2017
Consumer complaint received 2018-09-19
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: EQUIFAX, INC. (SC)

I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018
Consumer complaint received 2019-11-02
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)

I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing
Consumer complaint received 2019-11-02
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 contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing
Consumer complaint received 2019-11-02
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)

I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX  and Bureaus and it is still showing
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2019 I attempted to make a purchase. that purchase was immediately declined by pay pal. The payment was still taken from my bank account processed through and received by pay pal. No pending. Processed and received By Pay Pal. There is no transaction history on my account, nothing to show it was declined or processed. I contacted both my bank and PayPal. Pay pal after immediately declining the transaction saying it was unable to process still processed and accepted the money they declined. I contacted them and they refused to immediately refund the money they took out. They told me 5 to 30 days to refund the transaction they declined and started they were unable to process. I will be filing in court for my additional costs of stopping payment on these payments. My bank charged me {$50.00} per transaction ( {$200.00} total ) to reverse and disputed the transactions.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a bank of american XXXX XXXX  card and I received an email on XX/XX/XXXX about a Bank Amerideal of making 2 payments on XXXX XXXX XXXX of XXXX each to get a cash back of {$75.00}. I made the payments on XX/XX/XXXX ( posted on XX/XX/XXXX ) of XXXX each and got an email from Bofa confirming that it triggered cashback. I didn't receive any cash back in my account for over a month and followed up several times but no one is willing to help on customer care services. I am requesting BofA to honor the {$75.00} cashback they adverstised as part of this promotion.
Consumer complaint received 2021-11-30
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. (NY)

I have sent out numerous letters to the credit bureaus, XXXX, XXXX and TransUnion in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.
Consumer complaint received 2023-03-23
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. (TX)

I am submitting this CFPB Complaint to contest the presence of fraudulent items on my credit report. After recently receiving a copy of my credit report, I was dismayed to discover that several accounts and information were listed that I did not open nor have any knowledge of. The accounts in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX Balance {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX XXXX # XXXXXXXX XXXX Balance {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$670.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX. I confirm that I did not authorize the opening of these items, nor did I grant permission for anyone else to do so on my behalf. I strongly suspect that these items are the result of identity theft, and I am taking appropriate measures to report this to the relevant authorities. Kindly provide me with a written response to this dispute, including the outcome of your investigation. I also request that you send me an updated credit report after the elimination of the fraudulent items.
Consumer complaint received 2023-02-22
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. (NJ)

I have contacted EXPERIAN numerous times. Experian has XXXX bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. 


Credit cards and credit lines XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXXXXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX/Never late. 
XXXX  In good standing
Consumer complaint received 2019-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

Good morning, My wife ( XXXX XXXX ) and I make {$2000.00} payments to Navient student loans trying to pay off her student loans with a balance of {$31000.00}. We began making those payments on XX/XX/2019. We can not get information on Navient 's website or over the phone as to the balance of the loan at each month we make the {$2000.00} extra payments. We don't know whether the extra payments are going toward the highest interest loans. We have made requests, but received not response from Navient as to weather this is happening. 

We can not reach a person at Navient to determine if our extra payments are being applied to the highest interest payment. We have also tried to determine whether the payments are applied. 

We have also tried to determine if there is an option for lower loan payments through autopay as other loan service providers do, but no information about this is available. 

I work for the federal government and am posted to a hardship location with my family and have very limited internet access and can not reach anyone on the phone despite numerous attempts. The company will not send us monthly statements to determine how much we owe or how much progress we are making toward loan payoff. 

These {$2000.00} payments are our family 's largest monthly expense. We took choose a difficult post for the sole purpose of paying off XXXX ' loans, but we can get no information about the progress we are making in paying them off nor can we determine how long we will continue to make these payments because we do not know where the payments are being applied to. 

These loans create tremendous hardship for our family. We support parents financially and have XXXX children of our own and want to begin saving for their education, but want to pay off these loans first. With no information about where our payments are applied to or how long it will take to pay off these loans, we can not plan for our future financial obligations. My Husband XXXX took a federal job in an isolated hardship post overseas for the purpose of paying off these loans faster with higher income. He is away from family for extended times and we spend years outside the U.S. to save money to pay off these loans. We have a right to know where our payments are applied to.
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

XXXX XXXX XXXX XXXX Loan Companies : XXXX XXXX, Navient, XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$100000.00} All loan servicers require expensive payments. Through the last XXXX years have " juggled " loan servicers by applying for forbearance to " catch up '' with individual loan servicers. Navient has recently told me to file forbearance with XXXX XXXX XXXX so I can pay them while being threatened with default. Now, interest will build with XXXX XXXX XXXX and all that money I paid to get ahead will put me behind so I can pay Navient. For the last XXXX years, I have repeated this forbearance process with all loan companies to protect myself from garnishment and my father cosigner. 

Will there ever be any help or relief for students that went to XXXX XXXX XXXX who were deceived, manipulated, and rushed into all these loans that are hurting lives?
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

Chase via XXXX has not paid out the remaining funds in the escrow account following a fire on XX/XX/XXXX. Chase still is retaining funds in the amount of {$5000.00} without payment of interest and delaying my payment to vendors. 

My mortgage was transferred to Chase from XXXX on XX/XX/XXXX. 

Chase via XXXX refused to schedule an inspection for the first XXXX weeks following my loan transfer. 

I called XXXX on XX/XX/XXXX was told that an inspector would be assigned and contact me in 5 days. I was not contacted in the XXXX business days after this call as promised. 

Then I was contacted by an inspector via text on XX/XX/XXXX at XXXX PM. I called back and left a message and then did not receive a subsequent call back. 

After waiting a substantial amount of time, I called on XX/XX/XXXX and cancelled the in person inspection in order to schedule a virtual inspection. Chase via XXXX only offered me a date for inspection on XX/XX/XXXX at XXXX PM. This was almost XXXX XXXX months after my loan was transferred. I can not rent the property until this inspection is complete. 

To summarize, Chase via XXXX unnecessarily escrowed my funds and refused to pay them out as agreed by making scheduling for inspection highly difficult. This action directly benefits Chase as they are able to accrue interest on escrow funds.
Consumer complaint received 2017-08-11
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 (NY)

I told Wells Fargo these transactions was n't me and someone took XXXX Out my account I made a fraud claim n you denied it and it s unfair and ca n't afford this. I should be protect by the bank n the insurance .. this bank is no good
Consumer complaint received 2021-05-19
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 quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I contacted USAA on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by USAA and Bureaus and it is still showing
Consumer complaint received 2022-08-05
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)

Since XXXX of XXXX I've sent multiple letters and supporting documentation to Equifax showing that the XXXX bankruptcy records that they have listed as well as the accounts for XXXX XXXX Bank and Bank XXXXXXXX XXXX  all need to be removed from Equifax reports as this information is invalid. 

I've submitted documentation from the Federal Bankruptcy Court as well as XXXX XXXX showing that there is no record of these bankruptcy records. Yet Equifax continues to claim that they have validate/ verified these records. I've also provided documentation directly from XXXX XXXX Bank and the Bank XXXX XXXX that show that they do not have any accounts listed for me. And Equifax continues to report this information as well. 

I've provided this information to Equifax multiple times in XXXX, XXXX, XXXX, and XXXX of XXXX as well as in XXXX of XXXX. And I just called Equifax on XX/XX/XXXX and they claim to have not received any of this documentation. However, the representative claims to not see any of this documentation. I know that not to be true as I have confirmation via copies of my XXXX Mail and XXXX Receipts showing that all copies of all of this documentation was indeed received by Equifax. 

This means that Equifax is blatantly intentionally reporting this fraudulent information. Equifax has recently been held legally responsible for these fraudulent activities. I am also a member of the Data Breach Class Action Settlement Class which is also another case where Equifax is legally responsible for continuing to report information that they know is invalid.