davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (TX)

Dear Equifax, Please forward me your legal representative or registered agent for the State of Texas so that I may proceed forward with a lawsuit against Equifax in XXXX XXXX Texas. I have attempted to resolve this through the Consumer Finance Protection Bureau and to no avail Equifax did not look into the situation, did not address the issue, and told me the standard agent answer. Therefore, I am exercise any and all legal rights by filing a lawsuit against Equifax : Equifax Fair Credit Reporting Act Litigation, No. XXXX. 

I believe I am a party who was impacted by the code switch and will not proceed with a lawsuit against Equifax and will represent myself as allowed by United States law.
Consumer complaint received 2023-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (WI)

I am in the process of getting a job opportunity and trying to repay my student  loans. However I keep getting non-stop phone calls everyday and was told that they won't stop and need to stop. I will repay this however it is making it more difficult. They have been calling me almost everyday for the last 2 years now. I was told by the Biden-Harris admin that I received an email of student loan cancellation and is in the process since I was eligible and received an email from them. I would like the phone calls to stop.
Consumer complaint received 2023-12-27
Product: Credit 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 (CT)

I paid for a summer camp in advance for my son to attend. When I withdrew him from the camp due to safety concerns, the camp refused to refund the money I had paid in advance for the time my son did not attend. I disputed the amount with Discover as I had paid for services that were not provided to me. There is no dispute with the camp that the services were not provided, nor is there a dispute as to how much should be refunded to me. The camp simply refuses to give me my money back because they want to keep it. I disputed the charges with Discover and they initially refunded the money, then they reversed the charges and said unless the camp states in writing that they are willing to refund my money that I will have to pursue a refund a different way. Discover refuses to reverse the charges for services I paid for but never received despite the fact that there is no dispute over the fact that the camp did not provide the services for which I was charged.
Consumer complaint received 2023-12-27
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-27
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. (NC)

I was told by a representative attempting to sell a XXXX XXXX XXXX timeshare that they were going to pull a soft credit on my credit profile and no inquiry would appear on my credit report. The representative lied in an attempt to sell their product I wish to have the inquiry removed from my profile.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I have a title loan with titlemax and the total loan amount is {$2000.00}. Every time l make a payment the loan goes down but then I check later and it goes back to {$1500.00}. I have checked the total amount of payments I've made and it comes out to {$3500.00}
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I bank at chase, I regularly transfer from chase to XXXX XXXX  using their ACH platform. This has been going on for about a year if not longer. 

Today I transferred XXXX via XXXX from XXXX XXXX XXXXXXXX to Chase and then transferred the same amount to XXXX XXXX using their ACH platform. 

After a few hours I received a call from Chase 's fraud department, after verifying my identity using public records they informed that the transfer will not go thru. 

This is unacceptable as the external account have already been verified by chase. 

Chase is unlawfully holding onto my money for no reason and this needs to be addressed and stopped as they probably do it to other clients.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

Lexis Nexis has violated my rights in accordance with FCRA USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-18
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: U.S. BANCORP (MO)

I purchased a XXXX XXXX in XX/XX/XXXX which was supposed to allow me to travel from XXXX XXXX until XX/XX/XXXX. I could not schedule until XX/XX/XXXX. When I tried, I could not schedule anything without paying more or the place I wanted to travel to was not allowing me to use the XXXX XXXX. 

Although I was aware of blackout dates, this was not what I expected. I tired reaching frontier via every mode listed : phone, email, and the chats. Nothing led me to be able to request a refund vi electronically or discuss anything with a live person. Even the phone number was bogus : XXXX. 

After several times I reached out to US Bank who gave me a provisional amount. It was rescinded XX/XX/XXXX, because I failed to return the completed US forms which I was unaware of. After sending them back on XXXX XX/XX/XXXX they refused to reopen the case. 

Their reasoning " It was the same information. '' I continued to call and visited a branch because I'd sent in the docs and a picture showing I have no points and have not used XXXX XXXX. 

Finally, XXXX XX/XX/XXXX they reopened the case. Yet today they have recharged me again. When I called, according to the US rep I talked to, there is no one handling my case. I could only leave a message. 
Today I uploaded the original docs sent to US Bank and the current pictures from my portal on Frontier. As you will see, I have no miles and no ability to use a XXXX XXXX XXXX. 

This is a business card and I have had to take a plan and XXXX trains recently because of this dilemma. I can not use it to XXXX for my XXXX-class reunion XX/XX/XXXX and return on XX/XX/XXXX. I was supposed to be able to travel nationally and internationally. 

I am disappointed in US Bank because regardless of if my bill is {$1.00} or thousands, I pay it monthly. I do not believe anyone truly invested and they are pushing paper and going by ads or whatever they think without justification. I have nothing for my money.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX, they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years, I now owe aprox XXXX down from XXXX in XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I have ongoing complaints with VENMO, I have been trying for three years now to collect funds that they said would only take 180 days to get a resolution for. The first complaint I submitted here they responded to, someone called and said a check will arrive within 2-4 weeks. After 4 weeks, I was told another 4 weeks. Since XX/XX/XXXX, it has now been 3 months and I have yet to receive my check and also I have deducted the amount from the balance for the check, but no no one is responding to the requests, and phone reps keep saying " Someone '' will return my call but its been over 3 years and 6 months and I have not received a dime. One the last complaint to you all, the said company responded to say " its not that company, wrong company ''. Venmo which is owned by Paypal has kept my funds after being told they are sending out a check. For whatever reason they didn't just transfer my funds to my bank that has been there for years. A small social security check was deposited in the amount of {$670.00} in to my account. After sending the birth certificates, social security cards, ID, and bank statements, giving them all my info they still keep my funds for what they said was 180 days, which has now been almost 4 years. They sent a statement showing the remainder of my {$6700.00} check being sent to me but there has been nothing in my USPS informed delivery. Now no one is answering my online requests no giving me a resolution on the phone.
Consumer complaint received 2023-08-11
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: ProCollect, Inc. (TX)

there is a collection for an apartment complex that i have never lived in due to identity theft. i called and told them it was not my account and due to identity theft and they continue to put this on my credit. i own a house and have no need for any apartment
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I got my account statement with an interest charge of {$78.00}. For the XXXX statement my pending balance was {$6000.00} which was paid in full on XX/XX/XXXX which is well before the due date of XX/XX/XXXX. This included the interest for my last month 's missed payment already. 

I checked with the citi representative on why I am being charged interest for the previous month 's balance when I paid it in full and before the due date and this is what I got in response - " When the statement balance is not paid in full, interest bills that month based on the daily interest accrued for that billing cycle. Then, on the following billing cycle, the remaining interest charge is billed. The remaining interest is the amount that accrued from when the last statement cycled until we received complete payment in full again. We require two consecutive payments be made in full on time for interest to stop accruing. '' This is when I learnt about Double Cycle Billing and also learnt that this is prohibited since the credit card act of XXXX. 

This is an unfair practice which is still being carried on without proper knowledge of the consumers since these terms are not published clearly and buried deep in the agreement. 

I urge the government to please take necessary action against big companies which keep on extorting money.
Consumer complaint received 2023-11-27
Product: Credit 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: WELLS FARGO & COMPANY (TX)

XX/XX/2023 I stopped in the port of XXXX ( our only stop ) on a XXXX XXXX. I got off the ship and did some shipping at the port only. If you look at the map, there was no way I could have done a day long drive all the way to the clinic to swipe my card and then come back. I WAS ONLY IN PORT FOR THAT ONE DAY. [ see image-1 ] [ see image-2 ] XX/XX/2023 - I discover the fraudulent charge on my card. I call wells fargo credit card fraud and they say they will look into it and will hear back in 15+ days. I wait. I receive another letter in the mail to email XXXX with all proof and documentation and a copy of the form they sent. I send it on XX/XX/2023 then follow up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response via email so I also made phone calls. Wells Fargo tells me to contact the Clinic directly which I did ( made several phone calls ) with no response. 

XX/XX/2023 On this day, Wells Fargo got rid of the fraudulent charge and cancelled my account. But then days later, they created a new account and put the charge back in it. 

XX/XX/2023 I receive another leVer saying dispute declined. I call the number and have them reopen it again. 

XX/XX/2023 - Contacted the Clinic on via XXXX XXXX because they wouldnt answer my cell phone calls. They said they would look into the charge and they would even give me the signature page of whoever signed on my behalf. because they require a signature for all transactions. 

XX/XX/2023 - I got a response from the clinic saying they checked their books and they dont even have a charge matching the amount on my statement. [ IMG_7672 to IMG_7675 ] So the fraudsters probably just used this company so it couldnt be tracked to them. 


XX/XX/2023 went to Wells Fargo to Fax all information ( because they said they dont accept emails even though they originally told me to send emails to XXXX ). During this, I was on the phone with the fraud department to make sure I had the right number and that they would receive it. They said it would take at least 10 days to receive the fax But then I receive the 2 letters back to back over the XXXX holiday : XX/XX/2023 - dated letter that says my claim is being reopened. 

XX/XX/XXXX, XXXX dated letter that says " disputed charges are valid and appear authorized by you. as a result, you are responsible for payment and your claim has been closed '' [ *please note there were several more calls to Wells Fargo Credit Card department and fraud departments but I didnt write them all down ]
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (CA)

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with LOANCARE. 

LOANCARE XXXX -I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANCARE customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (AZ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.