davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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: CarMax, Inc. (CA)

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to Carmax Auto Finance, There are several accounts opened via Identity Theft that XXXX refuses to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please remove these accounts.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (IL)

I looked at a product XXXX sold through Affirm. I never received it and had immediately cancelled. I have been harassed and threatened ever since. They are threatening to report me for failing to make payments on a product I cancelled immediately and never received. I have called them and was told harassment would stop but it has continued via text. Now they texted me threatening to report on my credit rating and demanded payment for a product I never received and immediately cancelled. I was told contact would stop and it has not.
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

letters have been sent certified mail and return receipts have been received by me.

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX na : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NC)

On XX/XX/2022 I used the pay anyone feature service thats designed by chime. I authorized XXXX $ to go to a specific cell phone number which is my wife. That transaction was intercepted by an fraudulent chime account. That account should not have had my wife cell phone number on it. My wife been the owner of that cell phone for years. My wife have never had a chime. So why was her number linked to an chime account. I have provided numerous documents supporting my case. Since my wife cellphone number was associated with that account she got the chance to use the pay anyone feature the money went directly into the fraudulent account. I will love to provide details and documents
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

I disputed this collection with Transworld Systems Inc and sent them a copy of the police report I filed with my local department and an identity theft report. Despite doing so, Transworld Systems Inc refuses to remove this collection from my credit reports. From what I've learned, it is a violation of the FCRA for Transworld to keep this fraudulent account on my credit reports after I've notified them that it is identity theft and sent an identity theft report and a police report. They are well beyond the 4 business days allotted by the FCRA as I notified them via phone, fax and email as of XX/XX/2022. They are damaging my personal credit, my reputation & denying me access to any new credit by reporting this fraudulent information on my credit reports. I have again attached the identity theft report and the police report for identity theft for this account.
Consumer complaint received 2020-04-20
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. (MI)

Experian credit reporting refuses to investigate my certified mail that reflected for Experian to verify my signature of documentation associated with the account { XXXX XXXX }, certified mail was delivered on XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit 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 (NY)

I was charged for a subscription when I thought I was making a one time purchase of an item. Subsequently, I was charged 6 times each month on XX/XX/2019 and for each month thereafter. I was never notified of the charges and they kept accumulating until I just noticed today. I never authorized these charges. I used to service one timely, because it was inaudible.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

For the past two weeks, I have been unable to access my business account with PNC Banking. I have called on numerous days and they are unable to provide me with a method to unlock my account. They are the worst bank in American! I moved all my personal banks accounts last year for the same problem. Still don't have access to my business account today!!!
Consumer complaint received 2022-11-16
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: DISCOVER BANK (NY)

I made my payment XXXX on time through money order. An employee explained to me if I mail out a payment I will get it on time. 
I called the company when I noticed that the payment was sitting in the process room. It's a secured card and XX/XX/2022 will make 7 months and a consideration for graduating to a unsecured card. Discover withheld my payment and applied it a day after the date. I have never been late and they are penalizing me when they gave wrong information and withheld my payment. They need to rectify this immediately. I will be reporting them to XXXX XXXXd my attorney general.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DC)

Opened an account with Citi Bank ( Citi XXXXXXXX XXXX XXXX ... promised {$700.00} Bonus ... .I met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Consumer complaint received 2017-05-14
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. (NH)

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3  failed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NY)

This debt was put on my account on XXXX. I have looked this up in the amount of XXXX I live in XXXX XXXX XXXX XXXXo there is no way I can be at two places at once. 
this debt is from rent recovery on my profile.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mirand Response Systems, Inc. (TX)

I was contacted by XXXX XXXX  repeatedly ( probably over 2 dozen times ) about debt owed by my deceased mother ( amount : {$520.00} ). I am not legally next of kin as my parents were still married at the time of her death. She passed away on XX/XX/2020. In order to get them to stop pestering me, I emailed XXXX XXXX  and informed them that she had passed away, that I am not legally next of kin, and that I wanted them to cease all communication on XX/XX/2020. I attached a scan of a certified death certificate. 
They responded on XX/XX/2020, and demanded that I go to the nearest branch location with an original death certificate. 
I emailed back the same day and repeated : I am not legally next of kin, and I do not have an official death certificate, just a scan. 
They continued harassing me, sending me weekly debt collection attempts. Frustrated, I finally wrote " wrong address, return to sender '' on the mail received and sent it back. It was addressed to my mother, thus it was true : they had the wrong address ; she never lived at my home. 
The letters stopped for a while after that, but today I received ( addressed to my mother, again at my address where she never lived ) an attempt to collect a debt from Mirand Response Systems. XXXX was fully aware that my mother did not live at this address, and never had, that she was deceased, that I did not want to be contacted, that I did not have a certified copy of the death certificate, and even had record of the legal next of kin ( name and mailing address which was listed on the death certificate I sent them ) .XXXX  should have given this information to Mirand when hiring them to attempt to collect the debt. Mirand included ALL of the details of my mother 's debt in the correspondence. This is not permitted per the FTC. They have no legal right to contact me, discuss the details of her debts with me, or collect the debt from me.
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had to withdraw a sum of cash from my checking account with Bank of America. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Bank of America sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Bank of America ; since they bought my original bank in the late XXXX. I have never complained. I called Bank of America. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Bank of America to " manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Bank of America corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

I was offered a free safety deposit box when I opened an account with Chase. After using the box for a time, I emptied it when I moved house because my new address was two hours drive away, and Chase could not offer me a box at a branch nearer my house. I later received letters warning me that Chase would start charging me {$70.00} per month to have the box. I called and wrote to Chase many times explaining that I no longer lived in the area, but they were insistent that I had to visit the branch to close the box. It was so far away, but when Chase stopped responding to me, I had no option but to drive the four hour round trip to meet with the branch. This could have been done easily by mail. I was then shocked and appalled to find that I had been charged {$70.00}. I complained to the branch, and received an infuriating call saying that the final decision was not to refund me the {$70.00}. This is unacceptable.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Our mortgage was transferred to Selene Finance from XXXX and when Selene bought the mortgage XXXX did not inform them that we were in the middle of a COVID hardship modification.

Unfortunately, we had to start the whole modification process once again with this new lender. We explained on numerous occasions that we were in the midst of a COVID hardship, that I had just recently had XXXX  XXXX XXXX and that we were just starting to receive payments from our tenants who were also behind on rental payments. 

Selene responded to our hardship request by not only INCREASING our monthly mortgage payment from {$3100.00} to {$4100.00} but also INCREASED our Interest Rate from approximately a 4 % ( that we had with XXXX ) to a 7 %. 

Selene 's lack of empathy and GREED took advantage of a very difficult time. 

In fact, we requested that they consider extending the loan to 40 years and WE NEVER RECEIVED A RESPONSE TO OUR WRITTEN REQUEST. 

Based on all of the above, we are filing this complaint.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.
Consumer complaint received 2017-05-14
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. (FL)

had account with   XXXX   XXXX   in  XXXX    XXXX  florida  around  XXXX  closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my telecheck and credit report just with the la st two m onths. I do not have my old account number. want it removed immediately
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CO)

My name is XXXX XXXX. I purchased an item from a company that I purchased items from before. It turns out the company 's account throught XXXX was hacked. I sent {$400.00} through XXXX to what I thought was the vendor I had purchased from previously. It turns out, the money went the hacker that hacked the account. 

I am a customer with Bank of the West, and I was told since the the money was sent through XXXX the bank is not responsible for the loss. This is a service that the bank uses. How are they not responsible? What happened to me was fraud, plain and simple. 

Being frauded is humiliating, but how Bank of the West has treated me is even more humiliating. They tell me I should only have sent money to only someone I new and that it is my fault that I sent the money. 

To me this is an electronic transfer and I don't understand why XXXX, XXXX and others don't fall under this category. I just want my money returned. {$400.00} may not mean anything to the bank, but it means everything to me for someone on a small budget. 

Please, I hope you can help me.
Consumer complaint received 2022-11-16
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. (PA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

WELLS FARGO HAD AN ACCOUNT STILL OPEN WITH MY INFORMATION, WHEN I WAS TOLD BY THEM THAT THEY HAD CLOSED BY WELLS FARGO CHECKING ACCOUNT IN SPRING OF XXXX. I USE TO GO TO THE BRANCH ON XXXXXXXX XXXX XXXX XXXX XXXX, NEW YORK. THEY TOLD ME MY CHECKING ACCT. WAS CLOSED BY SOMEONE, I DID KNOW. THEN WHEN PRESIDENT JOE BIDEN SENT CHECKS FOR {$1200.00}, XX/XX/XXXX, {$600.00} XX/XX/XXXX, AND XXXX XX/XX/XXXX. 
THE ACCOUNT NUMBER WAS : XXXX, ROUTING NUMBER : XXXX. I CALLED IRS TODAY THEY TOLD ME THIS INFORMATION.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PA)

Crypto.com allowed to transfer my money using digital wallet to XXXX XXXX XXXX XXXX  and it is crypto scam. Crypto.com knew that the digital wallet was suspicious and belonged to crypto scammer.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (MD)

My company leased this vehicle on XX/XX/XXXX with myself as the guarantor. I later found out that I was frauded on the loan and reached out to the company with a notice asking for the debt validation and verification on XX/XX/XXXX, which they received XX/XX/XXXX. I did not here anything within 30 days so I sent out a XXXX notice opportunity to cure on XX/XX/XXXX, which they received on XX/XX/XXXX. Again, I didn't receive any response which triggered some stress relating symptoms with my body. I then sent out the XXXX Notice as a non compliant noticer on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they finally wrote me back referencing that they have received my complaint. On XX/XX/XXXX, they sent a letter via XXXX XXXX XXXX updating that they were returning my invalid payment. On XX/XX/XXXX, I mailed them the following. 
1. Initial Affidavit : XXXX & XXXX of XXXX 2. Notice of Dispute 3. 2nd Notice of Dispute : Opportunity to Cure 4. Non Compliance Notice 5. Drafted XXXX XXXX XXXX XXXX of XXXX 6. Drafted XXXX Tort Damage claim XXXX. XXXX XXXX. XXXX XXXX XXXX. Notification of XXXX XXXX XXXX. Hold XXXX and XXXX XXXX XXXX. XXXX Notice XXXX. XXXX Mail XXXX XXXX Receipts XXXX. XX/XX/XXXX XXXX from Chase XXXX. XX/XX/XXXX XXXX from Chase via XXXX XXXX XXXX XXXX. Drafted Criminal Complaint XXXX. Drafted Subpoena