davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I added a freeze to my Equifax credit report on XX/XX/XXXX and Ive been lifting the freeze periodically so that creditors can access my report. However, recently I called in to lift the freeze and was told I need to mail utility bills in order to lift the freeze. On the letter dated XX/XX/XXXX, the letter clearly states a PIN number which I have used before to lift the freeze and the representative would ask for other details regarding my report to verify my identity to lift the freeze. I have called numerous times and can not get through to an agent to lift my report. I would like the freeze to be lifted permanently since Equifax is making it so difficult for me to access my own file.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have logged a dispute against a charge I did not do. Where they returned it was " accurate '' month and a half later. However supplied no investigation results, I can not login to my account or reset it ( been like this ever since I called in my dispute ). Where now there phone system just hangs up as well. Where I can not view any details or input additional comments. 

I 100 % know this charge was not me, and this investigation was mishandled or not done. I have had one, where they thought it was me. Just because they returned paper work. Where when I read it myself, did not have my name at all in the original charge. 

Complaint is about TransUnion not handling dispute investigation correctly, and making it near impossible for me to communicate to them for any input. As well as not providing the investigation results to accessible to me.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. 

XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - Account Number XXXX
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Certegy Holdings, LLC (SC)

On XX/XX/20 I wrote a check to XXXX XXXX for {$140.00}. Certegy declined my check, reference number XXXX. I called my bank, XXXX  XXXX XXXX and they could see no reason my check was declined. I can not get anyone at Certegy to talk to me and the online system gave no specific reason why it was declined. Other vendors accept my checks, XXXX being a good example. I had to ask XXXX  XXXX  XXXX for a replacement debit card which is why I am using checks instead of a debit card.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

XXXX applied my {$8400.00} credit card payment to the wrong card. It was applied to an account where my husband is the primary cardholder. We tried calling multiple times to address the issue and asked to speak with a manager, on both calls the customer account representative hung up on us or would not let us talk to a supervisor. Finally, on our XXXX attempt ( a XXXX minute phone call ) the representative connected us with a supervisor who waived the late fees and interest charges but could only create a case number to investigate. XXXX XXXX XXXXXXXX verified the payment was sent on their end to the correct account, XXXX verified that it was posted to the wrong account, yet no one has been able to fix the issue. In my opinion, my {$8400.00} has been stolen.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Social Finance, Inc. (TX)

Sofi XXXX it seems they are in a lot of hurry to introduce new products without doing much home work. It took almost 2+ weeks for me to open the credit card with them. Yesterday I tried to open a dispute for a merchant. There is no online dispute method. Chat people don't help. Telephone support - lots of wait time. Finally telephone people is trying their best not to work for the customer by stating " please call the merchant ''. I told her that there is a wait of more than XXXX hours to talk to the merchant. How i can submit the documents for this dispute? She had no answers. 

XXXX XXXX XXXX at XXXX TX over charged my credit card on XXXX XX/XX/2022. XXXX was suppose to charge me {$15.00} but they charged me {$27.00}. I told XXXX person at that time only but she said - " it's been taken care of ''
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-17
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. (IL)

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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 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 XXXX now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OK)

Paid my Synchrony Bank Sams Club credit card in total of {$3700.00} and accidentally paid it twice resulting in the same amount as a credit. Contacted customer service and was told that it would take 7-10 business days to receive a check and there was no quicker way. I wait a week and call back to check the status. I was told that it had not been processed. I was then told that they would send it via XXXX  XXXX in 3-5 days. Requested a manager to contact me back as to why it was not processed the first time. Never received a call and never received the check. Call back a week later to find out that it was still being processed. Was told that a Manager tried to contact me but the notes said that there was some noise but nobody said anything. I never received the call and they didnt try back if they did call. Im now given the same song and dance about getting my check and someone following up with me.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding the bofa/edd prepaid card Emergency cash transfer, is false. They dont let u take out cash with out a carc mad They told they cant do the emergency cash transfer until 11 days have passed since i ordered an .. makes no sense, after 11 days inwont need the cash transfer. I'll have the card by then. 
Also no security for your account. Some one keeps reporting my card lost or stolen n bofa continues to allow it.
Consumer complaint received 2023-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (NJ)

Hello I did not see a selection that specifically dealt with my complaint, This complaint is specifically about the business practice of navy federal credit union application criteria process. 

The process is vague and flawed, XX/XX/2023 I made an inquiry ( live chat ) as to what specifically, were they looking for in order to apply for a personal loan, I specifically asked " can new members apply for a personal loan? '' the answer was yes, I then asked, How long do I need to be a member to apply?, I was told specifically, ( see text log ) as soon as the account is created, based on these comments, I made a decision to apply on XX/XX/2023 On XX/XX/2023 I received a denial letter with one of the factors being, I did not have sufficient time with the credit union, It felt like a bait and switch, As a new member, I would have waited until the required length of time and then applied for the loan. Either the representative is untrained or the credit union is deliberately enticing people to create accounts to get more applications, either way, I was harmed, I could have applied elsewhere and received the loan, this credit took that option away, At this point, I do not desire to take legal action, but would ask that my application be appealed and reconsidered without the factor of " length of membership ''
Consumer complaint received 2022-06-17
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I have been trying to pay off a closed card through Citi Cards. During the Covid-19 this has been especially difficult, for a variety of reasons - not the least, the behavior of Citi. Very often, their website is down. They do not process scheduled payments on time, resulting in late fees. They do NOT respond to written requests to address these issues. I have written - via their secure message system on their website - repeatedly, trying to address these issues. But they take weeks to respond, resulting in more late fees, which frankly feels like the plan all along. 

They are unreachable on the phone. I will NOT continue to pursue them to resolve this. It is impossible. And if they wish to contact me, it needs to be in writing, either to my mailing address or via their own secure message system. 

But their conduct has been awful, especially during a time of great stress on working people everywhere. To take advantage of consumers at this difficult time, to pile on late fees and issue threats, is unconscionable.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

Our son was born in XXXX XXXX on XX/XX/XXXX. One month after our discharge from the hospital, we received an invoice from XXXX XXXX XXXX for the medical expenses attributable to our son. That invoice was for {$9100.00}. After adjustments/co-insurance from my insurance company ( XXXX ), I owed {$420.00}, which I promptly paid in full on XX/XX/XXXX from my HSA. The confirmation number of my payment was XXXX. On XX/XX/XXXX, I received a Past Due Notice indicating an additional {$300.00} was added to my account sometime after I paid the invoice. No explanation of the {$300.00} additional charges was ever provided by XXXX XXXX XXXX and no explanation of benefits was ever sent to my insurance company. I received another similar invoice dated XXXX/XXXX/XXXX, still with no explanation of charges. We called XXXX XXXX for an explanation, we were told it was being put in review and that we didnt owe anything. 

The matter was out of our minds until we received our 1st notice from MBA Law dated XX/XX/XXXX, indicating XXXX XXXX XXXX parked this debt with a collection agency, followed by a second notice, dated XX/XX/XXXX, offering me a 30 % reduction to pay by XX/XX/XXXX. 

I believe that some department in XXXX XXXX failed to document these expenses prior to the invoice being generated. Since I promptly paid the bill, my invoice was closed, such that additional charges added after that did not trigger the mechanism that forwards the expenses to my insurance. Had those new expenses gone onto a new invoice and not one I had already paid in full, perhaps the expenses would have been correctly sent to my insurance and billed to me. 

XXXX XXXX XXXX should never have parked this debt. I believe they need to resolve this debt with MBA Law, then can choose to document these charges and appropriately submit them to my insurance provider, XXXX, so the charges can be adjusted in accordance with my insurance plan. After repeated calls to XXXX XXXX XXXX, someone indicated these charges appeared to be for XXXX  testing, XXXX XXXX, and routine XXXX XXXX of which would have been covered by my insurance plan had they been properly submitted.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Proved chase @ XXXX XXXX XXXX a power of atty on XX/XX/XXXX they have not processed our request today is XX/XX/XXXX. 
My brother in XXXX had XXXX we have a power atty to chase si we can manage his account. He has in XXXX. In account we need to make deposits and pay his bills. 
He had a XXXX XXXX on XX/XX/XXXX. No linger moves freely or talk. 
Please help us get this account back taken care of
Consumer complaint received 2020-06-20
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. (NY)

I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX XXXX website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Consumer complaint received 2020-06-20
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: EQUIFAX, INC. (NY)

I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2020 at XXXX XXXX, I received an email from Wells Fargo, saying that somebody transferred {$2000.00} from my savings to checking on XX/XX/XXXX in the evening. Then, that person used my money to pay his or her XXXX credit card for {$2000.00}. I notified the fraud to Wells Fargo immediately after I read the email. The representative said they need up to 10 days to investigate this fraud. Also, the bank closed all of my checking account, savings account and my debit card. I got all brand new account numbers on both accounts and a new debit card with different number. Then, I called them again two days after that, and they said it will take longer to process, since they need to contact XXXX about this matter. I called them again earlier this Tuesday, they said that they do not have any update. However, they said I could call the bank " if it makes me feel better. '' It was not one of my favorite customer service experience since that person said the sentence not in the nice way. I waited for couple days and called them again this afternoon. They said there is no update regarding this matter, and probably I will get some update the latest on XX/XX/XXXX.