davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

I am being harrassed by navient over a private student loan I am unable to pay at this point in time due to being laid off work earlier this year. I have explained the situation to the company and the response I received is " it is a private loan so it is your responsibility to pay back or get your co-signer to pay for you. '' I have asked to be put on deferment to which I am refused. They call me, as well as my co-signer every 30 minutes from about 15 different phone numbers.
Consumer complaint received 2020-10-28
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. (TX)

Fraud claim filed last year and still showing under my account, I am only making minimum payment until this issue is resolved however I see interest charges are added to my account every month.
Consumer complaint received 2020-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NJ)

Name : XXXX XXXX email : XXXX Tel:XXXX Customer Reference : Remitly Reference : R XXXX Amount : {$8000.00}. 
Compnay name Remitly Dear All, I am XXXX, a customer and I sent money to XXXX to help people for this COVID 19 crisis Community. I used a company name is Remitly, which has a horrified reputation all around the social media. However, I sent money on XX/XX/2020 and until XX/XX/2020 the money did not deposited the account and the receiver did not get money yet, they are suffering for this. 
In addition, I have requested Remitly and submitted proof from the bank the money did not deposited 15 days ago. Specially, I requested to return my money. Still now, after 30 days days has been passed the did not get my return money. I no need to send this money anymore because I borrowed money from my friends and sent the money to them from different company, They are efficient and they have customer service 24/7. On the other hand, Now I need my money immediately. the Remitly customer service said it will take 3-5 days on XX/XX/XXXX, it has been passed 15 days, I did not get money return yet. Even The company customer service is 24/7 unavailable and they are not supportive at all. I have been suffering enormously for this problem. I need immediately my money back and I need damage compensation for this problem. I am urging special attention to above mentioned Authorities and please take a legal action against this company. I saw on XXXX XXXX  a number of customers have been facing this kind of problems and I their money has been held long time and the same story. 
Therefore, I am requesting I need money return in my bank within 3 days. Otherwise, New Jersey Customer Rights Department and NJ bank insurance authority, and senator please take into account it seriously and please Suspend doing the business in New jersey by Remitly as soon as possible. Because this scam company will lose our customer trust and it will harm their our faith in our beloved state. 
I am looking forward to hearing from soon. 
Sincerely, XXXX XXXX Remitly Reference :XXXX Tel:XXXX
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple accounts that are incorrect are reporting on 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****
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma (FL)

Yes i have a credit karma money account and i barley had access to it because i lost my phone but still had my card and evert time i got paid i would add cash to my credit money account through my XXXX XXXX the way i did that i was using my mom phone at the time and all the money i would add on there was for me to save for a house it was about {$2500.00} dollars shouldve been save on my account once i got a new phone i try logging my credit karma money account when i got in my account all my money was gone dont know how because my card was always in my wallet i told them my information was stolen someone maybe made a copy of my card i dont even know these scammers just took my money i try making a dispute on my account credit karma team member denied my dispute for no reason and another thing the transaction was done in XXXX i was living in XXXX i didnt even have a car so till this day i still havent received my funds from my bank
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX thru XX/XX/2020 multiple unauthorized transactions of {$7900.00} was debited from my Living Trust checking account fraudulently by XXXX. Bank  of America failed to Notify me of multiple debts 2-3 times on the same day. No fraudulent alerts were made to me to validate these debits. Due to COVID19 I was able to get an appointment to speak to a representative at the location on XXXX, XXXX, CA. I received a letter stating Bank of America is refunding {$4800.00} as of XX/XX/2020. I feel Bank of America should be responsible for the full amount. I trusted Bank of America to keep my money safe and I believe the bank failed to do so. I would appreciate you looking into the matter to give me a full refund of my money. Bank of America owes me a balance of {$3100.00} in addition to all over draft fees incurred from this fraudulent activity.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE ()

I transferred money through WesternUnion and money was deducted from my account at the same second. After a few minutes i got email transaction was not approved by the bank and to call the number behind my card.

I called bank and they confirmed money was transferred at the same time and there was no delay from their end.

Then i called WesternUnion and they said they have got the money but they can not process the transaction and it will be refunded to my bank within 7 working days. I borrowed that money from a friend to send my family. My brother had accident and they immediately needed money. WesternUnion union claims on their ad, website and apps that money will be transferred within 2 minutes even their hold music is send money to your loved ones within 2 minutes No help from the staff and they kept on saying i have to wait 7 working days.

I understand the policy but i was told to call the bank because they need approve the transaction and i checked with bank and it was a lie. 
They were unable to give any reason for declined transaction. 
I even have my bank statement showing the money was gone to WesternUnion account. Who is liable for the delay and hassle their stupid website and false claims have caused. 
I dont want it to happen to someone else.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NY)

I received a letter from a debt collector todayXX/XX/XXXX saying that They are collecting a debt from XXXX  an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC (MO)

I am disputing the debt charged off and now this debt collection company, Portfolio Recovery is calling me two to three times a day using a robo call system. They call at XXXX and also call at XXXX almost everday for going on 3 months at this time. 
XX/XX/XXXX they called at XXXX they also called at XXXX XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX XXXX  XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX The have been told not to call my number but still call and they are also using a Phishing technique to get me to answer by using erroneous local phone numbers to avoid their Company 's Name showing up in my caller ID. 
I have warned them no less than 5 times that I would report their practices to the FTC.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

Received several calls claiming to be from the " Collection Bureau of the Hudson Valley '', stating that I have an outstanding debt that is now in collection. Upon evaluating my credit reports, I have no outstanding debts. Calls were from XXXX, with request to call back XXXX. Received the calls on many occasions, including XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

In accordance with the fair credit Reporting act Mountain America Credit Union Account # XXXX, has violated my rights on several occasions in the last 7 months. Payments made in person before 30 days late and company is reporting as Late. Should show as XXXX. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MO)

Received letter showing a past due debt from XXXX XXXX. I went through a debt consolidation a few years ago and settled all of my outstanding credit card debt. Since this time, Ive been able to get a couple of credit cards from XXXX XXXX which seems very odd they would offer me new accounts if I was trying in default on an account with them. Ive contacted the debt collection company, The Bureaus in XXXX, IL, and notified them that I disputed the debt. They have sent no additional information about the loan to verify it is accurate. It is showing up on my credit reports and I do not feel that it is correct.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

I AM SUBMITTING A DOCUMENT RELATING TO COMPLAINT NO. XXXX BECAUSE THE WEBSITE DOES NOT ALLOW ME TO UPLOAD THIS INFORMATION. 

THE OVERALL INFO IS AS FOLLOWS : CFPB RESPONSE TO LAST RESPONSE FROM BBVA COMPASS COMPASS ASKED WHAT ELSE THEY COULD DO FOR ME. 

I AM TRYING TO GET A RESOLUTION TO VARIOUS ASPECTS OF COMPASS HANDLING OF THE SAFETY DEPOSIT BOX FORCE DRILLED BY THE XXXX XXXX XXXX IN 2009. THIS RELATES TO THE DEPOSIT BOX HELD AT XXXX XXXX XXXX BRANCH IN XXXX TEXAS. IT WAS DRLLED BY XXXX XXXX XXXX, NOT BY BBVA COMPASS, ON XXXX XX/XX/XXXX XXXX ALSO, IT IS BELIEVED THAT THE CONTENTS WERE FURTHER MOVED TO THE FIRST STATE BANK AT XXXX TEXAS XXXX 
PER THE COMPASS INFO EARLIER PROVIDED. THE BOX CONTAINED FUNDS PLUS OTHER RELATED AND ONE OF A KIND DOCUMENTS. COMPASS HAS INDICATED THAT THE BOX CONTENTS WERE ESCHEATED TO THE TEXAS UNCLAIMED PROPERTY. HOW WERE THE BOX CONTENT ITEMS IDENTIFIED TO TEXAS UNCLAIMED PROPERTY? WERE THEY IDENTIFIED BY BBPA COMPASS ( A ) AS A NAMED SET OF ITEMS OR ( B ) AS A NUMBER OF INDIVIDUALLY NAMED ITEMS.? WHAT WERE ALL THE NAMES COMPASS UTILIZED IN DEALING WITH TEXAS UNCLAIMED PROPERTY WHAT ARE ALL THE NAMES AND IDENTI FIERS USED BY TEXAS UNCLAIMED PROPERTY FOR ITEMS, DATA OR PROPERTY ESCHEATED BY BBVA COMPASS. WHO DID COMPASS STATE TO TEXAS UNCLAIMED WAS THE OWNER OF THE DRILLED BOX.
Consumer complaint received 2021-08-19
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. (NC)

I recently sent a dispute letter to Equifax, and on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from this Equifax. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$18000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-14
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: AFNI INC. (MA)

I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.
Consumer complaint received 2020-11-16
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: TD BANK US HOLDING COMPANY (NY)

To whom it may concern, back in XXXX there was identity theft on my account. I spoke to TD Bank about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not XXXX. I will show u that that they are not on XXXX. thank you
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-10-08
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A. (TX)

My husband and I are both over the age XXXX ( retired ), so with this Covid-19 pandemic we have to stay in our home even more so. So we pay people to get and deliver for us. With extra expenses, we turn to PNC bank to take advantage of their The Disaster Forbearance Plan. 

The Disaster Forbearance Plan includes : Payments are suspended for three months. At the end of the program, the total amount will be due. We may have additional options at end of the 3 months to pay back the amount due. Additional options may include : Moving the payments to the end Offering a repayment plan Enrolling you in a longer term modification option During the Forbearance Plan : Late charges are stopped for the duration of the plan.? The loan is reported as current to the credit reporting agencies for the duration of the plan. 

But they will choose at the end of the plan how they want you to pay it back, not before you accept the plan.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

RentDebt Automated Collection representing XXXX XXXX XXXX {$9300.00} XX/XX/2017 request reasonable accommodation and modification for my XXXX  XXXX son at the apartment complex where we start living on XX/XX/2017, after providing the form they requested together with doctor recommendations letter, the administration never responded forcing me and my family move out from the community. I spend again in deposit and first month new rental with the moving spent, Administration apologies letter received for how residents where affected by the violent environment. But never did anything in particular for my family. 
I start receiving calls letters from this collection agency who is reporting that I owe $ XXXX, I try to talk to them and XXXX XXXX XXXX they still reporting this false debt statement into my credit, preventing me from purchasing a house for my family.
Consumer complaint received 2020-05-17
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. (AL)

XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
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