davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I attended the XXXX XXXX and was recently informed by the Department of Education that my federal loans are being fully XXXX. I called Navient, my loan servicer, to verify that this information is reflected on their end and to confirm that I will not be penalized if I stop making payments on my Federal Loans as I was instructed to do by the federal government. The loan servicer said I WILL be penalized for not making payments since they haven't received further instructions on how to handle the loans on their end. They said I need to upload the email I received and it will take 10 days to review, with no guarantee of resolution on their end.
Consumer complaint received 2022-04-25
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. (SC)

This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since Synergetic Communication has no legal right to collect as I never signed a contract with them.
Consumer complaint received 2018-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Customer service representatives are not helpful in answering questions regarding Public Student loan forgiveness. In XX/XX/2012, representatives stated all you had to do was fill out & send the Employment verification form. They never looked into the loan type to determine eligibility or guided to the right type of loan that would qualify for forgiveness.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. 

They have sent responses that appear to be automated and in no way have acknowledged my claim.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

BMO mailed me a new card as part of their takeover of Bank of the West. My card was stolen in the mail. BMO allowed the thief to activate my card and subsequently use it multiple times before it detected fraud. It's concerning that BMO makes it easy for theives to activate a stolen card. I called BMO as soon as I received fraud alerts and they informed me that they could NOT assist me over the phone. I was told to go into a branch so they could " verify your identity. '' I'm the rightful owner of the account and I have to jump through more hoops to get access to my money than the thief had to. That is a problem and BMO must make changes to better protect consumers.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

I updated my phone number on Apple XXXX and Setting 2 years ago. But Apple Card support still uses my old phone number for verification. When I contacted them for correct the phone number on their system, none of the Apple Card specialist can update my phone number. It has been back and forth since XX/XX/2024, and they randomly locked my account. Giving no instruction, no solution. They promise to call me but noone does since XX/XX/2024. 
Details of timelines & problem are attached
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

I processed a payment online for my BMW and they gave me an ERROR when i submitted the payment initially and when i went back to see what occurred the payment said failed to process and did not gave me a confirmation. I did the same process again and this time it worked and gave me a confirmation but i noticed a few hours later that my banking app showed 2 deductions of {$1200.00} so I called BMW and they said NO we only charged once. I thought it would clear itself up next day but it didn't so i called my bank and reported it because they saw that it was 2 deductions indeed!

I called BMW again and this time a guy told me yes, there was indeed a double charge and i had to email them PROOF, which i did RIGHT AWAY. 9 begged them to hurry because they literally tool tqo payments at once! At a horrible time like this this has devastated me and I have been unable to make my other bill payments because of them! Im so FURIOUS as I have written 3 emails to that same department and NO ONE at BMW is getting back to me and no one at XXXX XXXX XXXX XXXX or BMW has RETURNED MY MONEY!!!! I am literally living on the few hundreds bucks i have left, shame on you both! No one has reached out or responded and I was told that it would be hurried because I expressed that this was NOT my fault and two deductions were NEVER authorized!!
Consumer complaint received 2016-11-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Performant Financial Corporation (VA)

XXXX each quarter tried to take away my funds. They reduced my grades, they never paid my balance from XXXX and approved me for XXXX. I never received XXXX degree after completing courses. They said I owed a balance ... have XXXX loans all federal in default. 

I only have letter stating I met the requirements for a degree. This has hurt my employment. 
I feel scammed by this university.. :
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

My bank account with chase bank was levied by the State of Illinois for unpaid taxes. At the time I had {$3100.00} after recent transactions by me. These transactions had already been deducted from my balance at the time of the levy. But, after the levy the bank started placing my account into negative amounts for transactions that had already been deducted from my balance. Out of the {$3100.00}, the bank took {$100.00} for legal fees and are scheduled to send the remaining balance to the state on XX/XX/year>. Im waiting to see exactly how much that will be because as I stated they are claiming that I only had around {$2800.00} in my account at the time of the levy, which is not true!
Consumer complaint received 2020-05-08
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 AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM XXXX XXXX.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

I purchased a loan for XXXX XXXX through Affirm on XX/XX/2024 for a XXXX XXXX XXXX XXXXXXXX expierence. The loan total was {$2300.00}. When I arrived at XXXX for the event, on Thursday, XX/XX/2024. We were told by XXXX staff to redeem our qr codes for paper tickets to the XXXX XXXX XXXX XXXX XXXX. When I redeemed the ticket, the paper ticket stated the event was to be held on Friday, XX/XX/2024 at XXXX XXXX. I left XXXX Thursday, XX/XX/2024 at XXXX XXXX. A hour later, at XXXX, I recieved an email from XXXX XXXX saying there was a misprint on the paper ticket, the event was being held at XXXX, on Thursday, XX/XX/2024. Unfortunatley, due to the misprint on the paper ticket, the fact I had already left the event for the evening, and was back at my hotel an hour away, by the time I recieved the email notice with the correct time and date for the event, I was not able to attend. I asked XXXX several times for a refund for this event, because the wrong date and time was printed on the paper ticke, and I was not able to attend.. After several emails, XXXX XXXX aggreeed to refund me my money, if I dropped my dispute with Affirm over the loan I took out for this event. I asked Affirm to drop the dispute, so XXXX XXXX could refund my money. All of a sudden I get an email fro Affirm saying my case was closed and ruled in favor of the merchant. After Affirm closed the case, XXXX XXXX refused to refund me money, even though they aggreed in previous emails they would. I brought sll this information to Affirm over 20 times through emails and phone calls and Affirm refuses to do anything about this case. Affirm then put a over 30 days late remark on my credit reports, even though this case is stil being currently disputed with my bank and Affirm knows this. Affirm had no right putting negative remarks on my credit report, because active disputes in this case are ingoing. I ask that the CFBP steps in and resolves this situation with Affirm, and affirm not only gives me my money back for a event I could not attend because of fale information, but the fact that I reported this case to Affirm, Affirm wrongfully sided with the merchant and Affirm wrongully put negative remarks on my credit report, when there are active disputes with htis that are ongoing.
Consumer complaint received 2020-06-24
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-24
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

ProCollect, Inc., XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This is not the original creditor and I have no contract with ProCollect , Inc . Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

Ideal Collection Service is in Volation of my rights by placing this alleged debt on my credit report without giving me a 5 day notice to dispute this alleged debt. They just simply placed it on my report. I spoken to a lawyer about this matter my next step will be to seek ligation if this account isn't removed immediately.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On XX/XX/year> I purchased a virtual call center tour VIP ticket from XXXX XXXX for {$490.00}. The event was XX/XX/year>. The day event was free however there was an option to get more if you paid for the VIP ticket. The original VIP ticket included a photo shoot, an automation system for my business, a website for my business as well as a dinner and access to her membership. I only received the free event and the dinner. I did not receive the automation system, my photo shoot or my website. On XX/XX/XXXX, reached out to her team and was told that the itinerary was changed weeks ago however I have a screenshot of the website that was taken on XX/XX/XXXX and the website still had the original itinerary. I was also told that the original {$1900.00} was discounted to {$490.00} due to the changes but I have a screenshot stating I paid the discounted price for a different reason. I still expected to get everything that was originally offered to me and was never notified that there were any changes to the event or what I would be receiving. I was also never given the option for a refund due to the changes. I was told I would receive my website on XX/XX/XXXX and I still havent received anything from them. 


On XX/XX/XXXX I filed a dispute with chime. I sent them the same documents attached in this complaint and on XX/XX/XXXX my dispute was denied. I asked for the documents used in their findings. I also asked for the claim to be appealed.
Consumer complaint received 2018-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I received the loan on XX/XX/XXXX from the loan officer XXXX XXXX, deposited in XXXX   sometime early in the morning. I gave him my social fulp name, bank routing and account and my log bin bank info. The amount was {$990.00}. A guy with an XXXX voice named XXXX kept ordering mentor buy {$50.00} and {$100.00} gift cards, scracthed Tuesday XXXX and take pics of other and he'll then send me the money. I had a feeling it was a scam and illegal so I stopped doing the procedure 's. He then got angry and impatient. Texted me another number that was his manager, but when the manager picked up the phone, sounded like the same guy. He threatened my social benefits along with return deposit that left my bank in negative balance on XX/XX/XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a credit card with Huntington Bank. They sent me an application that had a balance transfer promotion of 12 months, 0 interest. I transferred some balances and was assessed a fee for each transfer which I knew would happen. Then I made a few purchases on the card. I was unfamiliar with how interest was calculated with Huntington but it isn't like my other major cards. To avoid interest with Huntington, you have to pay off purchases before the due date of the month they are charged, unlike other cards that you have to pay the balance of the statement by the due date. My statement date is the XXXX and I made a purchase on the XXXX. Since it wasn't on my statement, I thought I had until the next statement to pay it off but I was wrong, it had to be paid within that month. I was charged interest. I paid the amount off and was charged interest and the balance that calculates the interest was not reduced by the full amount I paid and neither was the promotional balance. On the XXXX statement the purchase balance was {$2200.00} and the promotional balance was {$8800.00}. I paid {$2700.00} to pay the purchase balance off and the XXXX statement purchase balance was {$1500.00} and the promotion balance was {$8700.00}. When I called, they said ( and it is on the statement ) as long as there is a balance, I will be charged interest. My compliant is that the promotional balance is creating interest on purchase balance even when that balance is paid off. That was deceptive because I did the balance transfers with the understanding that I was charged a fee at the time of transfer and wouldn't be charged interest if I paid it off in time but the bank is charging interest on other purchases because of the promotion and only framing it as interest on purchases.