davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

On XX/XX/year> via certified mail, I sent XXXX XXXX a request for information to help me identify the unfamilar account because they are attempting to collect a debt through National Credit Adjusters, which is refledted on my credit report. I requested that XXXX XXXX send me a list of how the amount is calculated, along with a signed and dated contract that states I agreed to pay amount calculated. I also sent XXXX and XXXX credit bureaus requesting verification of National Credit Adjust item on my credit profile being reported inaccurate and inconsistent. I have not received any response. 

As of today, XX/XX/year> I have not received any response from either. XXXX XXXX has not responded either and it has been over XXXX days. Unverified/Inaccurate information is a violation of Section 623 ( a ) ( 8 ) and Section 623 ( e ) of the FCRA. Also, this request in noncompliant because under State and Federal Statutes a response should have been received within XXXX  days or item should be deleted from my credit file. If this item is not removed from my file immediately, I reserve the right to file charges and take legal action to recover damages.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The report shows inaccurate information. It is showing late payments and a balance for a vehicle that is paid off. There were no late payments. My scores have dropped which have caused while I am in the process of purchasing a home and now my interest rate has gone up and now I no longer qualify for the home or the rate I once qualified for in XXXX. This is ruining my life.
Consumer complaint received 2021-01-15
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. (MI)

Equifax has not honored federal law by blocking fraudulent items from my credit profile. I provided a copy of my police report and all additional necessary documents to investigate numerous fraudulent accounts on my credit report. Equifax blocked some and not all and several representatives that I spoke with said two fraudulent accounts : XXXX XXXX and XXXX XXXX XXXX would be blocked within 4 business days and it has been several weeks and now they are saying the accounts have been verified. These account could not be verified because they are fraudulent.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MD)

I attempted to cash my IRS refund check, in the amount of {$260000.00}, at the PNC Bank location at XXXX XXXX XXXX XXXX XXXX XXXX. Check # XXXX, dated XX/XX/XXXX. The transaction was automatically flagged for fraud, my account was frozen, and it remains frozen as of this writing ( XX/XX/XXXX ). 

The XXXX XXXX team working on behalf of PNC bank requested in XX/XX/XXXX that the IRS " verify the authenticity of the check '' before they would release the funds. I have been working with XXXX XXXX from the XXXX XXXX XXXX since XX/XX/XXXX, who has provided me with a Form XXXX - Claim Against the United States for the Proceeds of a U.S. Treasury Check, which includes a photocopy of the check in question. I have been attempting to contact the XXXX XXXX group to provide them with this documentation, but none of the XXXX calls I have placed since XX/XX/XXXX have been returned. I even went to my local PNC branch and had the branch XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) attempt to forward the documents to Enterprise Fraud, but XXXX calls are also not being returned. 

My money is being unfairly held from me, resulting in economic damages from potential investment interest that I am not able to realize in excess of {$15000.00} ; for which I am currently seeking legal action to recover.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.
Consumer complaint received 2022-08-29
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. (LA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-29
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. (NM)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXX
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I use the app for synchrony bank for discount tire. We did a promotional for one year interest free on your purchase. As most people these days I opt out for paper mail and use the app to pay my bills. Just this month I noticed that the balance had increased a lot. I looked over the account and noticed that they charged interest to my account without ever sending an email, paper letter, or stating on the app that the promotion was expiring. I called the company and they straight up told me that after 30 days that they couldnt do nothing for me. They even admit that the app does not show the expiration and they do not send out email reminders to tell you when it expires. She states that you can only see the expiration date on the promotion if you download the statement every month. I dont know of any company these days, and with the current situation of the world, on why they would not send out a 60 then 30 day reminder for a promotion ending. So, because I thought my promotion hadnt ended yet I got charged XXXX on interest and now XXXX a month for a XXXX interest rate. So every payment I have done is like I never even made any at all. The customer service was rude, told me there was nothing they could do, and then continue to try and get off the phone instead of trying to work with me. I also wanted to do the survey at the end of the call and stated that to them and they hung up the phone before transferring me to the survey. I get some of it is my responsibility, but I also blame this company for making it so impossible and not sending reminders that the promotion was ending all so they can charge the interest and not give someone the chance to pay it off. This company is obviously doing this purposeful to make easy money off of the daily consumer. It is completely horrible that a company is not willing to work with the consumer, not even a little.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (GA)

Hi, this is XXXX XXXX. I was in a sudden move about a month ago. I need a loan because the apartment came with so many extra fees. This was my first personal loan ever. I got an offer for a loan for {$950.00} but the repayment is {$5700.00}. The interest rate is 700 %. Im not sure if this is even legal. I just need some assistance before it ruins my credit. However the loan agreement expects me to pay XXXX a week for the next few years! I need to know something I can do about this loan. Its like theyre gauging and this should definitely be illegal. It puts people wayyyy further in debt. Please point me into the right direction.
Consumer complaint received 2024-10-25
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KS)

I have received numerous ( weekly, then daily ) calls from a Synchrony Bank starting on XX/XX/XXXX through XX/XX/XXXX. The caller ID indicates the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. The voicemail message left states the call is from Synchrony Bank and to call the customer service # XXXX XXXX XXXX XXXX for faster service. I do not have a bank account at Synchrony Bank. When calling the customer service # or the XXXX XXXX XXXX XXXX, the automated " teller '' requests that you enter or " say '' a full bank account # or full credit card # or full SSN ( not just last 4 digits but full SSN ) to " pull up your account '' in order to speak to an agent ; there are no other options. Another recording starts off by asking if you want to make a payment on your account and then immediately asks you to enter your debit card #. It takes three rounds of asking for this personal information before the automated voice gives you the option to " say I do not have that '' - it is not clear up front how you get to speak to a customer service agent without giving out your personal information. This is a clear red flag for a scam or fraud phone call - and if Synchrony Bank is real - then it is completely inappropriate to require a customer to enter this information over the phone to identify themselves. People all over the internet are reporting receiving scam calls from Synchrony Bank. On XX/XX/XXXX, I waited on hold over 15 minutes and finally got a live person on the phone. She asked me for the phone # that was being called and gave me some fake names of people she was trying to get in touch with. If these are legitimate calls ( I would suspect for debt collection ), the voicemail should state the name of the person ( s ) they are trying to reach and give a number that does not require you to enter your SSN before you can speak to a live person - you should have the choice to speak to an agent without entering your bank information. I have had the XXXX # since XXXX. The person I spoke with did tell me that the Bank would take my number out of the caller database - but I am not convinced that these are not scam calls.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX, I called Bank of America to open a checking account over the phone. The process was smooth, and the account was successfully opened. However, on the following day, XX/XX/XXXX, I attempted to log into my online account and found that I was unable to do so. Concerned, I called Bank of America for assistance. 

After being transferred multiple times, I was eventually connected to the department responsible for handling the account closure. I was informed that my account had been flagged for closure. When I inquired as to why this had occurred, I was told that it was a " business decision '' made by the bank. I requested further clarification, asking what the decision was based on. Unfortunately, I was told that no additional information could be provided, even though I was speaking with the department responsible for the closure. 

The representative explained that the decision was made by the " back office team, '' but I was not allowed to speak with them directly. After about 45 minutes of going back and forth, the same response was repeated : the closure was a business decision, and no further details were available. 

I am seeking clarity on why my account was closed and would appreciate any additional information or a way to escalate this matter.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (TN)

A hacker cloned my phone and created a face login he hacked my XXXX locking me out he made several withdrawals fr my bank account and even with police report and email from XXXX that my account was comprised they refuse to give my money back I'm very frustrated over this because it's XXXX my bank refuses to refund as well it's like I'm guilty when I had no control over this. I replaced my phone my Sim card and changed my number. I've lost my car had to stop XXXX and I'm about to be homeless all because of this I have late fees and tons of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did wat I was asked got police yet still not good enough according to the EFTA they're liable especially I'd I have proof XXXX  refuses to closed account after they saw it wasn't my device in the app and he stole another XXXX fr me that us all on XXXX they're already being sued for this c exact issue
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

After requesting the promissory notes for my private loans, I received them via mail on XXXX XXXX. 

Upon review, I noticed all XXXX promissory notes we're missing signatures by an authorized school official. XXXX of the XXXX notes did not include disbursement dates or amounts. 

None of the promissory notes include a XXXX XXXX statement. 

How can these private loans be valid if XXXX XXXX XXXXXXXXXXXX XXXX XXXX did not do their due diligence in proving that I was eligible for these loans and signing to certify? 

This is all in addition to evidence submitted as part of the School Misconduct application that was denied.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NY)

Fedloan is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.
Consumer complaint received 2022-08-08
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. (VA)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$810.00}
Consumer complaint received 2020-10-05
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. (NY)

Dear Sir/ Madam, I am writing to re-dispute two charges on my account in the amount of {$300.00} and {$940.00}.

I did call a chase customer service and I discussed with a  representative her name is XXXX and she was unprofessional, unhelpful and she has an attitude. 
I told her I got a letter from chase asking me to send me additional information before the deadline XX/XX/2020 and she told me sorry sir we closed the case in XXXX favor! Without waiting for my additional information. On XX/XX/2020 I saw a rebill of {$300.00} and {$940.00} posted to my account. 
Can you please close this case in my favor and credit me again those 2 charges? Because I already returned the items to XXXX and Enclosed are copies of : 1.The shipping label that XXXX has provided to me to return the items back. 
2.Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX   location and when they received it and confirmed it on their website on XX/XX/2020. 
3.Screenshot from XXXX  website stated that there was a shipment exception ( Barcode label unreadable and replaced ) on XX/XX/2020. 
4.An email from XXXX on XX/XX/2020 stated that the refund will be on my account within 10 business days.

5.An email from XXXX on XX/XX/2020 asking me to send the screenshot of the tracking details so XXXX can prove that I sent all the items back to them ( Notice : I sent to the XXXX the Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX location ) 6.An email from XXXX on XX/XX/2020 stated that the return was successful, and the refund will take up to four business days to be reflected in my original payment account ( They send me this email after they got my screenshot from XXXX website stated that the weight was 6.3lbs ).

7.An email from XXXX on XX/XX/2020 stated that there will not be any chargeback related to this order XXXX. 

Please investigate this matter and correct the charges as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (FL)

Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (SC)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.