davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AR)

Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover payment for {$150.00} had processed. Now I see an unauthorized payment for {$150.00} out of my account on top of that {$230.00}. I contacted them and they were not helpful gave me the run around and essentially said I was XXXX out of luck for providing groceries for my family.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one says I did not pay on both the credit cards I have with them! 
I paid {$100.00} for each card on XX/XX/2022. It is on my bank statement!!! 

I am assuming they may have been hacked, and if so should be notifying all of us about it!!
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (TX)

OPTIMUM OUTCOMES, INC.is reporting XXXX debts on my credit report for XXXX each. I have requested verification and validation of debt numerous times. I have never been to this facility and this debt appears to be reported twice which is a violation of the FCRA. I want proof of this debt and that I owe it. My social is XXXX and date of birth is XX/XX/XXXX
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I was involved in an internet scam that took place through our Wells Fargo Bank accounts ( checking, savings, credit card ). It started in XXXX of XXXX when I commented on a country and western singers XXXX page. The scammer responded as the singer and asked that I set up a XXXX XXXX account to continue our correspondence. 
This individual gained my trust and manipulated me into giving details about myself, including my SSN and banking information. 
In the beginning, I was convinced to pay a security expert to clean my information from the dark web. I withdrew {$120000.00} from my Wells Fargo IRA account and sent them {$100000.00} after tax money. He wanted to make sure I was protected. 
The activity on the credit card was done entirely by the scammer, totaling approx. {$47000.00} ( including interest and fees ). Any payments that were made was an attempt to keep the credit card active, including the payments that bounced. 
He told me a story that his attorney and financial assistant were responsible for stealing from my credit card, that they were arrested and put in jail in Florida. He also stated that they had been stealing for years. He assured me that my credit card would be paid off by the loan he was getting from XXXX XXXX. 
He convinced me that he needed money for more streaming upgrades and that his dog needed an emergency surgery. The vet would not do the surgery until he gave them {$15000.00}. 
Even though my husband was on our Wells Fargo account, he banked at a local credit union in another joint account. He had no knowledge of this scam until I started withdrawing over {$40000.00} from our XXXX  checking and saving accounts in XX/XX/XXXX. 
Including the Wells Fargo credit card, my husband and I are out over {$210000.00} of our retirement savings. 
This brief synopsis doesnt come close to all the dealings that that took place ; the credit cards and bank accounts that were opened at his request, not to mention the amount of money laundering that took place through my Wells Fargo accounts.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

I use M & T bank. I get scammed recently by somebody and this person told me to send them money. The scam was about a job. They send me a check for about XXXX $ and they ask me to send this money for the supplier for some supplies. They ask me to send it through XXXX  money transfer. They ask me to send XXXX XXXX They then send me another check for about XXXX XXXX When I realized I get scammed after 24 hours from money transfer, I went to the bank and told them the story and I asked them to stop this money transfer, they told me they can't. At the same time, they accept the checks firstly online, and after that they told me it is fraud.
Consumer complaint received 2016-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.
Consumer complaint received 2022-10-21
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX ; account U S DEPT OF ED/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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NY)

ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I am a co-signer on my daughters  XXXX  student loans.   She is an unemployed   XXXX   XXXX  r. I am out on a   XXXX   leave so I do not have a income. I have filed for bankruptcy.   I am harassed consistently by calls and mail stating  XXXX  will help with a payment plan ... but they request months worth of checking acct. statements, months of paycheck stubs and other private information. They even check my credit report with out my authorization.   The worst is on  XXXX   XXXX ,   XXXX    XXXX   XXXX  @  XXXX   XXXX  called a real state agent we WERE trying to sell a home through. The home is in Foreclosure. Can they do that!! Call and harass a realtor for my personnel info??
Consumer complaint received 2017-05-08
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. (FL)

I have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.
Consumer complaint received 2022-10-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by Equifax exclusively that they saw no issue fast forward 45 days I needed my credit for a car, same issue but now it was with all 3 bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past 20 days I've spent over XXXXXXXX XXXX  in mail delivery and faxes/prints and copies and over ( documented ) 15 hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo
Consumer complaint received 2022-10-21
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-01-18
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. (MI)

Booked a refundable trip through Chase travel. Could not travel to XXXX cause XXXX was not allowing Americans. We've tried to get our XXXX dollars back. No luck. Chase travel has since XXXX tried to get money back from XXXX air who best we can tell is insolvent. Disputes from Chase Bank says we can't dispute cause it is more than 180 days from the time of the flight. Chase travel never said this was an option until 2 weeks ago. Chase travel is waiting to hear from an insolvent airline to get approval to refund on our refundable tickets.. People need to understand that although these departments say chase the have nothing to do with chase Bank. Chase will not be responsible for mistakes that chase travel makes. No department at Chase will help us get our XXXX. You use a credit card for protection. Using Chase travel though Chase bank is no protection. Chase travel is not directly connected to chase we were told.. Chase won't cover looses secondary to covid even on refundable tickets
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK FUNDING, L.P. (PA)

We own an older home that is fairly small for a family of XXXX. We started working with a mortgage brokerage, Network Funding, XX/XX/2016 to apply for a XXXX loan. We went back and forth a bit, truly starting the process XX/XX/2016. The broker we were working with would ask for information and documents with no explanation as to what was going on. When asking when we were closing, not date or time frame was ever given - only a response that we were waiting on more items. There was a lot of confusion between the broker and our contractor on the documents that were needed, resulting in long delays in the documentation that needed to be completed to continue to the next step in the mortgage process. The same type of lack of communication was occurring with the broker and us. On XX/XX/XXXX, I spent a solid hour discussing details with the mortgage broker to clarify our background information. He stated we would need to sign letters of explanation. After discussing all of this with him, he sent us the letters of explanation with absolutely none of the details accurate ( I basically had to re-write the letters of explanation - he also sent us the same letter of explanation again later in the process, the one that he originally sent without my corrections ). The HUD consultant completed his report on XX/XX/2016. On XX/XX/XXXX we were given the clear to close on Monday, XX/XX/XXXX at XXXX. We received a call from the notary on Monday afternoon to confirm closing. Monday evening, we received a call from the broker stating that we were not able to close because he did n't have the tax information needed to close. So closing was rescheduled for Tuesday, XX/XX/XXXX, XXXX. At XXXX, the broker calls us and tells us that we need {$16000.00} to close because of the HUD consultant 's report. The {$16000.00} dollars would have put us at XXXX % of our appraised value for the mortgage. Given the complete lack of communication and the frustration that we had with this broker, we had some heated conversations. I sent an email in the morning of XX/XX/XXXX stating that I did not want any vague XXXX answers to what was needed - I wanted an itemized list of anything outstanding and a solid date on when closing would be scheduled. He stated ( in email ) that he would take this latest outburst in stride but that he would not tolerate another one. The complete lack of customer service is appalling. Not only do we feel that this company and this broker are taking part in predatory lending, but I also feel that they have absolutely no customer service skills at all. We made initial contact with this company in XX/XX/XXXX. It is now XX/XX/XXXX and we still have no date for closing.
Consumer complaint received 2022-01-04
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX PA OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In a letter dated XX/XX/2020 Huntington Bank informed me my CD was mature on XXXX XXXX. On XX/XX/XXXX, XXXXI called the bank 's number on the letter ( XXXX XXXX ) to ask how to cash it in. The lobby was closed to customers. I was told I had to call the branch to make an appointment. I was given the number ( XXXX XXXX ). I received a recorded message to leave a message and my call would be returned in 24 hours. By Friday XX/XX/2020 I had not received a call back. I called the 800 number again. The lady told me she call the branch and have them contact me. I also asked to speak to XXXX XXXX on the Customer Advocacy Team. I have a letter from her from a previous complaint. XXXX XXXX was not available and info was left for me to be contacted. As of today I have not been contacted by ANYONE. I want to cask in the CD but the grace period will be passed soon.
Consumer complaint received 2022-10-21
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: SYNCHRONY FINANCIAL (CA)

Venmo Someone opened a fraudulent account with XXXX and used my venmo debit card to charge {$1200.00}, I contacted XXXX  and they came to the conclusion that this was a fraud account and they closed the account said there would be no charges I submitted a dispute with venmo and they refused to accept the fact that it was a fraud account and they denied my claim of fraud, they charged me the {$1200.00}
Consumer complaint received 2021-11-25
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: Accelerated Financial Solutions, LLC (PA)

On XX/XX/2021 I sent a certified verification letter to Accelerated Financial Services for an account totaling {$2500.00} they have been reporting on my credit report. I did not receive and response or validation of the account. I then sent a second certified on XX/XX/2021 asking again for the validation on the account and still no response. 


I have not received : XXXX. Provide a copy of the original contract that you have with the original creditor XXXX. Notarized letter of transfer of permission to collect debt XXXX. Verification that this debt was assigned or sold to Accelerated Financial Services. 
XXXX. Prove ownership of the debt/ original application for debt XXXX. How the amount is calculated/ full itemized debt from accounting/ last original billing statement XXXX. Does your firm have a debt collection license from my state? 
XXXX. Proof you have purchased the debt for the original creditor and have authority to collect on the debt. 
XXXX. If not, say why not, if so provide the date of the license, name on the license, license number and the name and address and telephone number for the state agency issuing the I have also disputed this account with XXXX and XXXX without any answers. 

I would like to also request a description of the procedure used to determine the accuracy and completeness of the information.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &amp;  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
Consumer complaint received 2022-10-21
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: ERC (FL)

According to the Fair Credit Reporting Act, ENHANCED RECOVERY CO has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.
Consumer complaint received 2022-10-21
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: Navient Solutions, LLC. (IL)

There is 3 accounts on my credit report from Navient, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted XXXX to have them removed from my credit report because they have been on there well over 7 years. XXXX failed to look into my dispute. I want these 3 accounts with Navient removed from my credit report.