davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Dept of Soc . Svc. Child Sup has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I requested my XXXX score for the first time this year in XXXX  from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX  XX/XX/2022 there are still no XXXX scores available to me. 

Under law " XXXXXXXX XXXX XXXX XXXX XXXXeq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was notified by letter in XX/XX/2022 that Capital One intended to close my longstanding checking account on XXXX XXXX2022 because the company was updating their banking system and my account number was ineligible to be transferred. They called it a technical issue. Any balance in this account would be mailed to me. As a retiree, my retirement direct deposit, social security payments and mandatory investment withdrawals are deposited monthly in this account. Also, service payments to a number of company obligations are debited directly from this account. I have had to spend an inordinate and unnecessary time and energy trying to right my financial footprint over the last few weeks. I have reached out in writing to the administrative arm of the company and have heard back from an assigned employee who has informed me that here is nothing that can be done to consolidate or rollover older accounts within their system. My savings account was not at issue, but I independently chose to shut that account down. It is hard to understand why a healthy, long time account would not be maintained. I know that this affected other consumers besides me.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

First let me say this complaint and Experians response will be used as evidence in my lawsuit against Experian. It will also be sent to the California Attorney Generals Office to serve as evidence that Experian is knowingly and willfully aiding and abetting in a crime. In Florida it is a crime for a collection agency to attempt to collect a debt from a Florida resident if that agency is not licensed in Florida as a consumer collection agency. This law applies to all collection agencies rather they are located in Florida or not. The Florida attorney Generals office has legal authority to prosecute any company that violates this law regardless which state the company is located in. XXXX XXXX XXXX XXXX does not have a Florida consumer debt collection license nor do the meet the legal exemptions. XXXX XXXX XXXX XXXX is committing a crime by trying to collect a debt from me. ( I live in Florida ). Experian is aware of this crime and knowingly and willfully allowing XXXX XXXX XXXX XXXX to use their ( Experian ) Platform in furtherance of this crime. This is no different, for example, if XXXX knowingly and willfully allowed someone to engage in the crime of prostitution on their platform. XXXX is a crime and XXXX would be held legally accountable for their role in that crime. XXXX XXXX XXXX is also committing a crime and Experian is aware of this crime and chooses to allow XXXX XXXX XXXX XXXX to continue in furtherance of this crime by allowing XXXX XXXX XXXX XXXX to use Experian Platform in furtherance this crime. I have reported this crime that Experian is committing to the CA Attorney Generals office. Let this complaint serve as evidence that Experian is not only aware of XXXX XXXX XXXX crime but they are also allowing XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. I filed an earlier complaint against Experian, using the CFPB PortaXXXX, and made Experian aware of this crime that XXXX XXXX XXXX XXXX is committing. I even provided evidence to Experian that proves that XXXX XXXX XXXX is committing a crime. Despite this Experian willfully and knowingly allows XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. This makes Experian guilt of aiding and abetting in a crime.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

I am filing a compliant for Synchrony Bank 's PayPal Mastercard 's Foreign Transaction Fee shady practice, which is deceiving to consumers. The fees NEVER appear on the " account activity '' page ( pdf print screen attached, both website and XXXX app ). 
According to their customer service, it is shown ONLY on the statement and it was also ONLY calculated at the end of each billing cycle. 

When I first applied for the card back in around XXXX, it was advertised with 0 % Foreign Transaction Fee ( pdf attached from XXXX search from their website : XXXX XXXX XXXXXXXX XXXX 

I never know nor recall being informed that the bank changed the fee from 0 % to 3 % ( I received NO e-mail notification for this bad news ). What happened here is that I went to a trip XXXX  in XXXX since XXXX XXXX. I have been used this card as I thought it was 0 % foreign transaction fee. All the transactions accumulate showing the exchange rate based on XXXX 's exchange rate table with 0 % fee added. I checked the bank 's " account activity '' page EVERY SINGLE DAY to make sure no incorrect or fraudulent charges, but there was never any fees posted to the " account activity '' page. 

Checking " account activity '' has been my daily practice, as I rarely read statements since the " account activity '' should contain all " activities ''. When I opened the statement in XX/XX/XXXX, I am surprised that I have accumulated US {$69.00} in Foreign Transaction Fee in XXXX. I double checked the " account activity '' page and there was absolutely NO mention of any fees charged or posted. 

I contacted Synchrony Bank 's customer service on XX/XX/XXXX ( Account Associate : XXXX XXXX, Account ManageXXXX : XXXX XXXX  ). They said that the fee change notification was included in one of the statements in XX/XX/XXXX. I asked and emphasized that the fees were never shown on the " account activity '' page, and how can I suppose to know as I rarely read statements as I already take the " account activity '' page as all the activities happening in my account. The customer service team reiterated they correctly charged the fees and provided a link to their new fee schedule. They are unable to understand from customer 's point of view, their website has a FLAW ( fees are never shown in the account activity page ). 

If Synchrony Bank has included the fees up front following the transactions, or at least showed the fees in the " account activity ' page, I would have asked earlier and reconsidered whether to use this card for foreign transaction as I have other cards also with 0 % foreign transaction fee. 

Therefore, Synchrony Bank should be held accountable for their website 's FLAW ( whether or not intentional to deceive customer into believing it is 0 % foreign transaction fee ), and should reverse and refund me all the fees charged since the fee changed in XX/XX/XXXX ( totaling at least US {$69.00} in XXXX, plus all other pending charges that will have fees added in the next statement ).
Consumer complaint received 2022-06-27
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 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2021-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Myfedloan won't accurately process my annual certification for public loan service forgiveness. I have been trying for 6 months and they still won't give me any credit for all of XXXX for the PSLF program, they are not accepting anything from that year as a qualifying payment and they won't explain why I have been working full-time for the same employer ( XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) since XX/XX/XXXX. Every year I recertify and my payments are added to my total. But when I submitted in XX/XX/XXXX they never processed my application. Then I submitted again in XX/XX/XXXX and they accepted the 6 months in XXXX as qualifying, but forgot to look back at XXXX. So now instead of 61 payments ( out of 120 ) qualifying for PSLF forgiveness I only have 49. 

I emailed them about it, and they said the XX/XX/XXXX application is in process, but that's false, because I already got multiple emails from them indicating that they processed the application but approved XXXX and not XXXX. I emailed them again, and this time they said I am incorrect to assert that my latest recertification was processed incorrectly because they show the XX/XX/XXXX recertification as pending, but that is also incorrect as I was very clear I am emailing them about my XX/XX/XXXX recertification. For some reason they show my XX/XX/XXXX recertification as processed with all of XXXX denied, but when I email them they either say it's not done or they falsely claim my last recertification request was in XXXX. 

None of this makes any sense, I've been with the same company for 5 years, they approved all the dates in XXXX, XXXX, XXXX, XXXX, and XXXX, but for some reason they won't process XXXX and eveerytime I contact them they give me a new excuse. I've sent several emails this week and nothing. I don't trust in calling them because I've learned over the years nothing they say verbally will they ever be accountable for. I just want them to reprocess the PSLF certification I submitted on XX/XX/XXXX ACCURATELY, which means processing the dates for XXXX as well.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Supreme LLC (TX)

I paid a {$99.00} startup fee in XXXX of 2022 under the impression that this company would help me repair my credit. I then paid them $ XXXX  monthly following that initial ( illegal ) {$99.00} startup fee with NO results. I asked XXXX, who was the woman in charge of my file, to schedule a call with me so we could go over what actions shed taken and what shes been doing behind the scenes so I can get a better understanding of how this company works. She was elusive, unresponsive, dismissive and passive aggressive when I asked for more information. When I tried to cancel the agreement in XXXX of 2022, XXXX ( the manager ) said it would be in my best interest to work with them another month and that I would be doing myself a great disservice if I cancelled then. XXXX promised me that if I work with them for one more month and there were still no results, I would qualify for the money back guarantee. Fast forward to XXXX of 2022, still no results, no improvements, and no evidence of them working to improve my credit on my behalf. I asked for services to be cancelled immediately and for my money to be returned and XXXX responded, Im sorry it doesnt work that way. I am demanding a full refund of the money I have paid to this fraudulent company including the illegal startup fee.
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States.

Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. 

Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.
Consumer complaint received 2021-05-30
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. (NY)

I XXXX XXXX XXXX XXXX # : XXXX ), I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-07-29
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 XXXX has me at a score around XXXX. 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXXXXXX 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (CA)

Mechanics Bank finance the XXXX XXXX I purchased in XX/XX/XXXX, from XXXX XXXX XXXX. My initial payment was due on XX/XX/XXXX, wherein, I paid the contracted payment of {$730.00} I also made a Principal Payment of {$1700.00}. 

The Principal Payment was applied incorrectly as evident by the XX/XX/XXXX statement which shows no payment due moreover, the XXXX statement does not reflect any reduction in the principal amount XXXX {$38000.00} XXXX. The XXXX statement requested a payment of {$420.00} which was not credited to my account, this further confirms that the Principal Payment made on XX/XX/XXXX, was applied to Mechanics Bank Interest. 

Mechanics Bank refuses to correct the obvious error and has erroneously reported to the credit bureau XXXXalse information and has destroyed my credit. Mechanics Bank has been aware of this error since it was made and has refused to correct it or communicate.
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CO)

I opened a checking account with Citi Bank based on an advertisement to open the account. The account was immediately closed and I have spent over XXXX hours on various days and times trying to get somebody to tell me why. The bank is holding $ XXXX of my funds and said I should have gotten a letter explaining why they closed my account and nobody on their customer service can tell me why. The bank said I may not get my funds back that I deposited for over 60 days. I have gotten the run around the last XXXX times I have called. I should be able to have somebody tell me why my account was flagged and closed upon account opening and the bank should not hold my funds for XXXX plus days.
Consumer complaint received 2022-10-12
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. (NY)

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The two fradulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXX XXXX  in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so.I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.