davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Lowes stated that my payment bounced back due to not being able to find the account. This was the same account i used for previous payments and later on payment. Then they started adding on late fees but did not alert me to the missing payment. Then they hid the fees from me. When i would go to their website it would give me the option of the minimum payment of {$40.00} or {$45.00} and again still not showing that a payment was missed or a late fee was added. 

This went on for XXXX months until i started looking at my statement. On the XX/XX/2022 statement it shows the return of the payment but without an explanation or an alert to what was going on. Again after this date i was still given the option of making the minimum payment while they again charged me a late fee. 

On XX/XX/2022 i attempted to contact lowes credit and was only given the option on chatting with a computer or a live person. during the live chat i was passed around to XXXX different chat people. i asked multiple times for a phone number and was not given the number. it was not until i said i was filing a complaint i was given the number to talk to a real person. 
With only one fee reduced i was required to pay the full amount without any help. I feel i was mislead and fees where hidden so that other charges could add up When i was able to talk to a real person it was given the same story and run around.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

I opened a savings account with Citi Bank about two months ago. A few days ago ( XXXX ), I received a notification from a vendor that they couldn't process my bill payment because the " account had been frozen ''. I was very shocked to hear this as my account is in good standing and Citi never notified me of any activity with my account. I called Citi Bank security on XXXX and they refuse to give me a reason why they froze my account and won't allow my access to my money. I tried calling again pleading to speak to someone that can help as I need to pay my bills on time, the representative said " there's nothing I ( me the account holder ) can do '' then proceeded to hang up on me. The company is essentially holding my funds hostage without cause and won't allow me to access it. I am a middle-class citizen that just wants to pay my bills without punishment or fees ( which I will not accrue thanks to Citi and no fault of my own ), but Citi will not allow my to access the money that I worked hard to earn.
Consumer complaint received 2022-04-28
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: JPMORGAN CHASE & CO. (FL)

My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in Boot Camp ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

I called XXXX XXXX XXXX XXXX to tell them I did not recognize XXXX charges. They said the would put them into dispute and investigate, during which time I would not accrue any penalty charges. Each month, for several months, I received bills in the mail with additional fees assessed, and when I called XXXX XXXX they told me I neednt pay them, as it was in a dispute status. 
Today I called them and was shunted from XXXX department to another ( disput, customer service, collection, fraud, supervisor ) and told ultimately that they could not remove the charges since they had been accruing for several months. Also, they told me that the investigation had ceased in XXXX, but also that it was now again in a fraud status, so they could not remove late fees and interest penalties. After about XXXX and a half hours on the phone with them in various departments I ended my connection. I offered to pay the original XXXX charges adding up to around {$100.00}, but now totaling over {$400.00} due to interest and late fees they told me would not be charged but will not now remove. Cant have it both ways, but I will not pay those additional fees. They claim to have recorded our past conversations, and I have a letter from them closing my account in XXXX.
Consumer complaint received 2022-07-03
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. (NC)

On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands of the wrong breach.
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-24
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. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

Statement balance from XX/XX/2022 statement showed XXXX. I downloaded XXXX file of statement and discovered that the previous payment of XXXX was recorded on the statement but was not deducted from the balance. My credit card company is now charging me XXXX in excess of purchases actually made ( purchases calculated to be XXXX ). I have spoken to multiple people who have not been able to seem to understand the problem which could easily be solved by them just doing a simple calculation, instead they just read the statement to me.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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. (FL)

I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-06-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and XXXX XXXX XXXX. # 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
Consumer complaint received 2021-12-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Well, My Concern, concerns several things, so I didn't exactly know which box to reference to begin my complaint. i got involved in this IDR loan with Navient because of What I was verbally told about ( concerning ) this loan repayment plan, which sounded good, verbally, ..at the time. HOWEVER, this info. is/was NOT actually the facts on paper. I got involved because I was mislead to believe that I would be paying on this loan for Ten ( 10 ) years,.. then it would be forgiven /dismissed. So, Here I am, thinking I will be forgiven within the next approx 5 years, since I originally got started with this plan. When I really begin to inquire into this loan, this past 3 months ago, I am now told that My plan doesn't expire till the next 25 years.!!?? Now, I was listening to what The Navient Representative Told me. MIND YOU ; I HAVE NOT BEEN READING ALL THE INTEMNIDATING FINE PRINT AND LANGUAGE HIDDEN IN THE REAL DOCUMENTS, UP UNTIL THIS POINT. I am Finding out Now that, The Verbal information I was Given, and was mislead to believe, was NOT True!!! I would NOT have gotten involved in anything of the sort of Arrangement, at my age,. I would be almost XXXX XXXX XXXX, or Dead prior to that time, trying to pay this loan I don't need to be paying on this kind of debt ( $ 22K ) plus more accruing interest,... to anyone,, at this point in my life.. All I get from Navient higher Authority, is an apology for mis-information, ( given me ), which doesn't pay the balance -bill, after being lured into this trap. Plz help!!.
Consumer complaint received 2022-06-13
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: U.S. BANCORP (NV)

I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry ; however after checking my report through XXXX it shows as hard inquiry. 
on XXXX/XXXX/2022
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (MA)

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX  XXXX {$950.00} / {$800.00}
Consumer complaint received 2022-06-22
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. (OH)

Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXXXXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I made a purchase using my Chase Sapphire card to XXXX for XXXX. 
On XX/XX/XXXX I closed the Chase Sapphire card with an account balance of {$0.00}. 
According to Chase, the closed account was " purged '' on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX canceled my trip and refunded the amount ( {$6200.00} ) to the purged account. 
On XX/XX/XXXX, I spoke with Chase and was told card services was placing a claim to someone about the refund to the purged account. 
On XX/XX/XXXX, I received a letter from Chase that the account did not exist and that the had closed the inquiry. 
Also on XX/XX/XXXX, I spoke with XXXX and Chase. XXXX assured me that the refund had been process to the closed account. Chase again placed a claim to someone about the purged account.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2021-12-23
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. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report  and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.