davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (VA)

My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app  have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. If they suspect something then they need to work with the customers on a resolution, instead they just sit on their hands and holding people 's money hostage. What if the money is needed to pay bills, and what if there's a emergency and the money is locked up and out of reach? Support need to initiate the call because it's people 's livelihood they are messing with.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

I filed for unemployment on XXXX. I received the Way2Go card in the mail and activated it towards the end of XX/XX/XXXX. I began using the card in XXXX paying bills, rent, online purchases, ect. The card was new and I already knew my benefit amount so I didn't bother to go online and sign into my XXXX online account. About 4 weeks later I went to ATM to get a little cash and Im noticed the total amount on the receipt was much less than what it should have been. When I got home that evening I accessed the website for the first time to check and determine why the balance was much lower than what it should have been. This is when I saw all the fraudulent XXXX and XXXX charges. So I contacted both merchants and neither one of them offered much help. They just recommended disputing with the bank. So I went through and totaled all the fraudulent charges from these two companies. I then called the Way2Go company to file a fraud claim.When I finally got ahold of a live person after being on hold what seemed liked hours. He started filing my claim, but said there were to many charges and that his computer had crashed. However, he was going to activate my claim and send me a fraud form to fill out and list all the charges. I received all the forms on XX/XX/XXXX, and had faxed back to them on XX/XX/XXXX. I called to follow up a week or so later and was told my claim was denied. When I asked why it was denied I was told that the person I was speaking with that she didn't know the reason only that it was denied. I then had her escalate the claim again and IU went and got police report and faxed that over to them. I called a week later and once agian was told it was denied.. When I asked why I was told because I made other online purchases to other vendors that were similar?? It made no sense to me because almost all of the XXXX charges were made on the same day XX/XX/XXXX, and 5 of the larger charges over {$100.00} were flagged by either way @ go or the merchant because they still show as pending from that day on my statement almost 3 months later. The charges for less than a {$100.00} on that day all seemed to go through. This tells me that these were probably already flagged as fraud. However, the fraud department can not see that on their end. They are only going by the statement and can't see the pending charges on their own website? After this they just kept transfering me around and my calls to them kept dropping and getting disconnected. The last conversation I had with their fraud dept.they still could never give me a valid reason for denial and I was told case was closed and I was basically out of luck..
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IL)

Dear CFPB, I am writing to you because its a nightmare dealing with Fay Servicing XXXX  representatives from the Loss Mitigation Dept.  At the beginning of this year i applied for a loan modification which it took 3 months for someone to return my call, i finally i was able to speak to a representative by the name of XXXX XXXX phone # XXXX XXXX who told me that my application was lost by and i needed to re submit all my documents all over again. 
Which i did i faxed and mailed all my documents lettting them i needed help since my mortgage its adjustable and my payment had increased substantially and we weren't able to afford it. 

The pandemic came and hit us very hard with our financials, as well as our health. XXXX XXXX finally confirmed that she received my documents and to wait a few months for a decision. 

Now after so many months under review, Fay Servicing and XXXX XXXX who is the representative assigned finally answered my messages and told me that because of my Bankruptcy that i filed before the investor of the loan feel that i didn't deserved to keep my home. 

I was shocked and concerned since this is clearly discrimination, i requested for her manager and since almost 1 month ago XXXX XXXX refuses to have her manager return my call. 

Now every time that i call they keep telling me i need authorization in writing my self to speak to my self. which it doesn't make any sense since im the one on the loan. 

Every time i called its a different story and when i request for a manager they hang up on me. 

i don't know what to do to stop this discrimination against me and my family. i do appreciate some help with this matter. thank you.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

My loans were reported on XX/XX/2022 as XXXX late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Transunion many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.
Consumer complaint received 2023-04-04
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: JPMORGAN CHASE & CO. (TX)

I am writing to you to report a fraudulent charge made to my Ink business credit card account by JP Morgan Chase. On XX/XX/2022, a mysterious charge of {$3500.00} for Pet Supplies appeared on my account. I have no knowledge of this transaction, as I do not own a pet, and I have never been to a pet store in XXXX, TX where the transaction supposedly took place. 

I have been disputing this charge with JP Morgan Chase for months, and they have not been able to provide any evidence that this transaction actually took place. I have done my investigation and found that there is no pet store in XXXX, TX with the name they provided, and the store that comes closest to their description has no record of a transaction for that amount on that day. 

I have contacted JP Morgan Chase 's executive level team, but they have been unhelpful, giving me the same answer every time and making me wait a month before responding. I have been told that I am responsible for this charge, even though they can not prove that it actually happened. 

I believe that JP Morgan Chase has committed fraud and is trying to make me pay for a charge that I did not make. I am requesting your help in resolving this matter and holding JP Morgan Chase accountable for their actions. I have evidence to support my claims and can provide further details upon request. 

Thank you for your time and consideration.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

Complaints are being processed with the Second Judicial Court in XXXX XXXX, XXXX. Nationstar is not a legally valid servicer, and XXXX XXXX is not the beneficiary. XXXX refused 2 full loan payoffs and prohibited monthly mortgage payments on an account that was not in default. See attachments for further specific details of XXXX 's wrongful foreclosure. The CFPB has secured substantial Consent Judgments for the misconduct that XXXX is perpetrating.
Consumer complaint received 2021-05-19
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: Experian Information Solutions Inc. (NJ)

I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

citi bank i closed this account, they did not close it, and billed me at a XXXX balance once again for the sum of XXXX next year and tacked on interest called them 3 times to cancel, they only cancelled the card on the third call and billed me for the interest of having the card renewed .at no time was I late for any payment only an interest charge of a renal fee i did not want and told them it was cancelled. 
this is hwy robbery to charge a fee for renewal when already the card was cancelled, and then charge an extra fee for interest, there was never a late fee for any purchases or use of the card. 

my credit score has always been closer to XXXX and this is the only item that is completely bogus would never bank with Citi again use them in any way
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

I bought a car from XXXX XXXX XXXX for XXXX they didnt tell me I was leasing a used vehicle than they added an additional loan of XXXX dollars on top of my car when I disclosed my information with title code:15 usc 1662 b in I was still charge.. I cant get the title because XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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. (SC)

I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Consumer complaint received 2018-05-29
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. (NY)

My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX. This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my equifax report because it was confirmed to be deleted however XXXX is still not removing it. And XXXXXXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (IN)

I received a deposit into my Skrill account for {$8000.00} when I went to log into my account it would not let me log into it to access my funds luckily I had already copied my virtual card information when I went to use it it was invalid now I'm unable to log in to my account please help me in any way you can this happened today Tuesday XX/XX/2023 XXXX
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NJ)

I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.
Consumer complaint received 2016-07-27
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Sierra Holdings LLC (TX)

I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

I am not an attorney, legal counsel or tax expert but rather a consumer, alleged obligor, in accordance to enumerated consumer laws. 
I am in receipt of a communication in response to a request for compliance to The GrammLeachBliley Act respecting consumer right of privacy by depository institution Discover Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as the false representation of the character, amount, or legal status of any debt balance. Discover Bank confirms that the credit balance due is correct and valid and has made no effort to refund the credit balance in full by check, cash or money order. As there is no deficit stated to verify a debt balance, Discover Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false via consumer reporting agencies without my written permission in breach of trust. Please see enclosed credentials and deceptive communication enclosed alleging debt. Discover has refused to cooperate in compliance of consumer revocation of consent to furnishing information to unaffiliated third parties as unauthorized use. Discover Bank has purports to represent the Bureau in the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
Consumer complaint received 2022-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I sent fedloan the below email on XX/XX/XXXX to check on my PSLF certification submitted in XXXX. Payments did not look correct, so I had two specific questions. But the agent who responded did not answer either of them, and I keep asking for a response to no avail. I have been waiting 17 days for a response. 

Here is the email with my specific questions about XXXX counts : I recently received your notice about PSLF Qualifying Payments update, but it seems incorrect. Can you review? 

Specifically, I see that I am only given credit for 51 months of qualifying payments, but the number should be closer to XXXX months. I've been employed by a qualifying employer and enrolled in XXXX since XX/XX/XXXX. Do the {$0.00} payments during Covid count toward forgiveness? My qualifying months should include every month since XX/XX/XXXX, through the date the form was signed in XX/XX/XXXX. 
This is the case for virtually all of the loans on account # XXXX, loan XXXX. 

Additionally, I recently consolidated some stafford loans into a direct loan. They're currently showing 0 months qualifying. Can/will that be updated? Under the temporary expanded criteria, past payments should count towards forgiveness. 
This is for loan numbers XXXX and XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (FL)

I paid off a loan with XXXX ( Loan ID XXXX ) and the account is linked to my phone number XXXX. 

I asked to have my account deleted on XX/XX/XXXX and was told " Your account can not be closed, but your loan is. '' Their privacy policy specifically states that you can close the account and have your information deleted. I wrote back further emphasizing the privacy policy and was essentially ghosted. My account and the related information is still available on their website.
Consumer complaint received 2023-04-04
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: U.S. BANCORP (UT)

I filed a complaint regarding a hard inquiry on my credit report on XX/XX/ from a US bank and stated that I have never done any business with a US bank in the past or present. US bank replied to the complaint mentioning that the hard inquiry was part of the application process. They mentioned that the application that they assumed I filled out was rejected, and the reason was " UNABLE TO VERIFY IDENTIFICATION INFORMATION ON THE APPLICATION. '' I have never applied to anything with a US bank, and their letter indicated that the identity of the applicant was not verified. I tried to call US Bank several times to ask about what kind of application it was because I never applied to anything with US Bank, but I always get a recorded message asking me to go to their website to get an answer to most of the questions. 
US bank refused to remove the hard inquiry on my credit report even though they were unable to verify the identity of the applicant.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Peter Roberts & Associates, Inc. (NH)

Medical services were provided in XXXX 2015. Those services were put on a payment arrangement. I did not know that the 3rd party vendor was not a part of those payment arrangements, so it went to collections. The clinic forwarded the wrong mailing address to the 3rd party, so no bills were ever received by me. 

The collections agency called me XX/XX/XXXX ( used my maiden name ), then called XX/XX/XXXX ( by my married name ). We determined that I had never received any bills from their client or from them. I requested official copies of the bills, and was told I would not be reported to collections during the process, however they reported me in XX/XX/XXXX. I did not get anything in writing from the collections agency until I called again in XX/XX/XXXX. Finally in XX/XX/XXXX I was sent the copies of the bills, which was the first time I had received any formal written documentation from the collections agency regarding the debt. I was unable to obtain bills for the services from the client they represent because it was sent to collections. 

XX/XX/XXXX I paid the bill, and they insisted they had not reported me to the credit agencies. At that time they stated they would expunge the debt, which still has not been done.