davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Direct contact is not possible. They accept mail and chat bot. In the past 45 minutes, I have performed the Pavlovian game of calling customer service, each call results in waiting for a disconnect. How many times is reasonable? 

It is not possible to access the account online. I was solicited using XXXX XXXX. I signed up using XXXX XXXX. I am told that I can not access my account thru XXXX XXXX. I am told that I must buy a smartphone and use something called an app. I choose not to participate in the destructive and abnormal behavior of carrying a security disabling, privacy broadcasting, advertisement delivery device. Plus I am essentially blind. Venmo solicited my business in a deceptive manner. I can not access any information about my account. Even if Venmo corrects their refusal to accept incoming calls, I should not have to call Venmo to access my account. This is the 21st century. 

Please note : I know that this is a game. I know that Venmo faces no consequence for any deception, fraud, or malfeasance. I know that this process is pro forma. The people will rise.
Consumer complaint received 2022-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Please reopen and reinvestifmgate with a new fresh set of eyes my still unresolved and outstanding claim of {$300.00} missing out of my account taken from wells fargo. I have attached new evidence of my claim from XXXX reflecting what I have stated all along that XXXX was not paid by wells fargo as biased LaTorie quotes they were in her attached response to my second claim about this stolen money. I would appreciate someone new investigate this as I have provided new evidence of my statements. Wells Fargo is conducting unfair and bad practices. Please address this immediately.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CT)

XX/XX/22 I broke my XXXX and tried to log into Chime and add a new phone number I had access to. 
XX/XX/22 My account was " suspended '' or " locked '' by Chime due to Suspicious activity. 
XX/XX/22 I replied to their email asking for documents to verify my identity. I responded promptly and attached all required documents XX/XX/22 I call Chime customer service. They tell me to wait for an email response. I send another email to them. 


Every day since XX/XX/22 I have contacted them via phone and email, to no avail. Have not heard back from a single person with an update or anything even related to my case. I have my case #, ticket #, it doesn't matter.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

1st : In XX/XX/XXXX, I was encouraged to move to bi-weekly payments for my mortgage following the online guidance by Citizens Bank. I had been paying via autodraft no problems to date. 

2nd : That month, an agent contacted me from Citizens stating they see that I changed the auto draft to bi-weekly, but they needed to take an extra month payment to be a month ahead of payment for the bi-weekly to work ( 1st problem- this was not clear online, and did not stop me from configuring ). I complied, and paid and told all setup. 

3rd : In XX/XX/XXXX I received a letter stating my mortgage payments were now in arrears and that I needed to settle ASAP and Citizens had informed the credit bureau 's of the delinquency of my accounts! 

4th : I immediately contact the bank, explained that something broke in their process, and settled the arrears. I requested that they check the auto draft bi-weekly was now correct, and they said no they can not do that until 2-3 days after the account is up to date. 

5th : I then called back, and was informed again, that sorry the bi-weekly can not be taken into affect, as needed to pay another 1 month in advance to have the account in a state that bi-weekly can take affect. I settled this and complained again, asking that they correct the mistake with the Credit Bureau agencies- they said they would. 

6th : Bi-weekly auto draft finally takes affect 4-5 months later, but from the wrong account. In their system I have the 'favorite ' account set, and they draw from another account I have as the 3rd option in the list. I call again, they say sorry they can not change the autodraft account themselves. They have to cancel the autodraft, wait 24 hours, then choose a new account to draw from, and turn back on autopay. Why do this when the payment account favorite is ALREADY set? 

My complaint : Putting aside the incompetency of the systems of Citizens, and clearly outsourcing the Mortgage loan servicing with separate systems and support staff, my main complaint is the lack of formal complaint handling procedure, and the negative affect on my credit score which was not my fault, and their slowness to act. The first agent told me they did not have a complaint procedure. The agent that did take my details said they would treat it as a priority case to be discussed, but I never received any correspondence except a letter that my bi-weekly was not setup. 

Lastly : This account was sold by XXXX to Citizens. When I asked, how do I close this account, or setup my first wire to pay my taxes, I was told I needed to physically visit a branch. There are NONE in Georgia!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX  XXXX XXXX, XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report
Consumer complaint received 2023-02-01
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. (TX)

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. 
XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I continue to get late fees charged to my account even though I am paying on time in accordance with my payment pan. 
I was behind on payment and started making payments again to get caught up. After making 2 monthly payments on time the company called me ( XX/XX/XXXX ) to set up a payment plan. I was told that I would be able to continue making the payments by the XXXX of every month and it would bring my account to a current status after 5 on-time payments. I was notified that if I was late I would incur late fees. 
I made my payment on XX/XX/XXXX for the agreed amount and was charged a late fee on XX/XX/XXXX. I called the company and they were able to waive the fee and noted that it was a mistake since I paid by the XXXX. 
I made my payment on XX/XX/XXXX and noticed that I was charged a late fee again. This time the fee was charged on XX/XX/XXXX which is before my due date. 
I called the company again and they said that there was no record of a payment plan and that my due date was always the XXXX of the month. 
I was transferred to a supervisor who was able to track down the payment plan but said since my account was restricted the due date could have never changed so she couldn't do anything about the late fee. 
If my payment date was unable to change, why did the late fee in XXXX get charge on the XXXX ( which would be correct for a due date of the XXXX  of the month if I hadn't paid on time )? 
Why would a CC company sign a customer, who is already behind and unable to make full payments, up for a plan that will start charging them an additional fee every month? 
I feel like they are taking advantage of people and charging extra fees just to make money. 
Now they are saying my due date is stuck on the XXXX and I will continue to be charged late fees.
Consumer complaint received 2023-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

To whom it may concern, My name is XXXX XXXX. I am writing this email to forward a grievance towards Navient. This company has made it aware to me that they took over my government loans from XXXX XXXX some years ago. As of this time there is a XXXX XXXX with Navient due to Navient not helping student borrowers legally, and thus forcing them in further debt. I have spent many years fighting with this company. I have done my best to make monthly payments as required. However, there is a Private Loan I had to take out in XXXX  to fully help pay for college. Navient now has control over it and has refused to offer any financial help with this loan. I have been unemployed for over XXXX  months now and was forced to move due to poverty. I am unable to hold a job at this time due to a temporary XXXX. My XXXX XXXX was XXXX XXXX and I have a XXXX coming up this weekend that will further prevent me from working for another several months. As of this time I am broke, jobless and homeless. I am staying with someone at this time for help. I am in complete pverty and XXXX. I have contacted Navient for help but they refuse to offer any help for this private loan. Instead, they increased the loan to XXXX  % interest rate... This is cruel and absurd. I have had this loan since XXXX  and have been paying for it for over XXXX  years. Navient has been taking advantage of me over XXXX years and I can not find help. I have contacted Navient on multiple occasions and they refuse to help .... Navient also has several Federal Loans of mine that they refuse to put on " Government Payment Pause'.. I thought this was illegal.. I have recently learned of a class action lawsuit towards Navient about their Unlawful practices.. Here is the website link to the Lawsuit. https : //navientagsettlement.com/Home/portalid/0 I am begging for help, and Navient has taken advantage of me long enough! Please contact Navient and wave this private loan since I have paid more than my share and I have had enough of them taking advantage of me! I have an account with studentaid.gov. and they informed me to contact you! Please email or call as well. Please help..Sincerely, XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A balance transfer was requested by myself on XX/XX/XXXX, from my new XXXX XXXX XXXX XXXX credit card to my Capital One/Venture card in the amount of {$5800.00}. As of today XX/XX/XXXX, I still owe {$5800.00} to both bank institutions. Capital One/Venture One credit card says they have never received the check for the {$5800.00} and XXXX XXXX XXXX XXXX has told me twice that they are sending me a copy of the check. In XX/XX/XXXX, I was told that a copy of the check would be mailed to me to show that Capital One did cash the check. After waiting for three weeks and never receiving the check I called back again. I spoke with someone who researched my account more thoroughly and said that she didn't think that a check had been sent out because the information on file for the balance transfer did not say Capital One Bank, it said Venture One and the address to mail the check to was in fact my home address. The customer service representative said she was going to put a stop payment on this check because she felt that someone probably did not send this check out with so many mistakes on the account. I am getting zero assistance from either institution, someone, to please intervene and help me to resolve this. I have been told twice that a " copy. Capital One refused to do anything with me in resolving this issue and said that they needed to see a copy of the check. I am at a loss here. Capital One did temporarily hold the charge but has since put the charge back on my account.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 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 items 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 ) (! ) 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my XXXX credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (IN)

I was contacted On XXXX, and XXXX by a XXXX regarding a debt. He claims they have sent multiple letters in the mail and have called multiple times. Ive lived in the same place for seven years and I havent recommend any letters and the calls just started XXXX. I was told I was being hostile on each occasion and hung up on. I asked the first two times. What is this regarding and they didnt wish to state anything further than wanting to know my social security number and address. Today XXXX I spoke with four different people. An each were very hostile as I tried to explain. I wanted to verify the debt. I asked for a debt verification letter. I was told they would not provide one and I was informed they would mark me as being hostile and unwilling to take care of the debt. I asked the company name and was told XXXX XXXX XXXX. I asked regarding there location and was told they will not disclose it because there are a lot of crazy people out there. So I asked how do I know this is a real debt and Im not being scammed? Asked if the call was being recorded because it was not stated. I was hung up on for the third time and a guy answered and stated his name was XXXX. I said thats mighty fun when you sound alot like XXXX  that left me two voicemails that are identical. He told me all I want to do is argue and they will see me in court. An hung up on me. The numbers I call and was given is XXXX and XXXX. Both numbers ring for awhile before someone answers. Nothing about the calls suggests debt collectors. They keep suggesting filing a lawsuit against me even though I dont know who they are nor what the debt is regarding or if its legitimate because they refuse to answer any questions.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery LLC DBA Genesis put a collection debt on my credit report before providing proof of debt XX/XX/XXXX. I finally got proof of debt letter dated XXXX. XXXX, XXXX and they provided the final move out statement for money owed in the amount of {$5100.00} belonging to only XXXX XXXX and XXXX XXXX. I was removed from the lease in XX/XX/XXXX due to going to college at XXXX XXXX XXXX XXXX. The final move out statement shows the lease ending XX/XX/XXXX. The debt collector has failed to provide the lease renewal with new dates and rent increase because they know I am not on it. I emailed the apartment management company on XX/XX/XXXX to correct the error and their response was vague. There is no history of the apartment management company reporting late payments from XXXX on my credit reports because I was removed from lease.
Consumer complaint received 2023-02-04
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. (MI)

I have a fraudulent account that keep getting verified I contacted XXXX XXXX myself and they told me that the account was removed not made a change off. I have a delete letter from them in which I have attached the letter below with FTC report and police report. 

This account is showing on my XXXX & Equifax credit report. 

XXXX XXXX XXXX XXXX XX/XX/2021 {$100.00}