davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments. 

I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan. 

I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ). 

At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account. 

I appreciate your attention to this matter
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

XXXX continued to charge me with late fee after I returned a then known scammed piece of equipment that was supposed to help with my internet but never got a signal after several attempts after contacting XXXX technicians every month! I was finally told by Technician to return my device after 4 months of no service and no answer from XXXX technicians and customer service support. Upon returning device and payment paid in full I continued to keep getting billed thereafter for a 6 month period for service I never received without a device and late fees accumulated to Over {$560.00} which was turned over to credit bureau.
Consumer complaint received 2023-10-31
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: GOLDMAN SACHS BANK USA (NY)

A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible. 
Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount. 

Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim. 
This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me. 

Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.
Consumer complaint received 2023-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ID)

XXXX Mohela sent me a statement with my loan balance because payments were resuming. I confirmed it online, and paid it off. 

XX/XX/XXXX Mohela sent me a {$0.00} statement with {$100.00} in added charges and interest since I paid off the loan which is inappropriate and incorrect XX/XX/XXXX I tried to call Mohela, no answer XX/XX/XXXX I emailed Mohela, they received it and the auto response said they'd get back to it within 3 business days XX/XX/XXXX I still haven't heard anything, Mohela sent me another {$0.00} bill adding interest yet again. 
XX/XX/XXXX I called Mohela, no response XX/XX/XXXX I emailed Mohela XX/XX/XXXX XXXX files this. It looks like they are having lots of similar issues. They are trying to financially ruin a generation for their own greed.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (SC)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

On XX/XX/23 I submitted an application to Nelnet for the SAVE income driven repayment plan. My application has been listed as completed on the federal atudent aid website for months, almost immediately after the application was submitted, but the Nelnet website said it was still processing. I never once received an email or a letter or any type of communication detailing what else I needed to provide. A few weeks ago I read on XXXX that proof of income XXXX need to be submitted so I did that and then the date of my application on Nelnet changed to saying that my application had been submitted on XX/XX/23. I logged in today and it said that my application was pending payment and I needed to check a recent letter or email to see the details of that payment. I have received NO letter or email from Nelnet during this entire process and I still have no communication regarding the status of my SAVE application.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

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 XXXX XXXX XXXX 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 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 2023-10-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (MO)

XX/XX/XXXX - I requested loan assumption be initiated by Freedom Mortgage with documented/signed third party authorization and buyer information of my home that I have financed with Freedom Mortgage. Representative claimed they would call the buyer ( person assuming my VA loan ) within one week. 

As of XX/XX/XXXX, buyer has yet to be contacted. After 5 attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to contact a live representative ( XXXX XXXX XXXXXXXX ) within the loan assumption department since XX/XX/XXXX, neither my buyer, nor myself have been able to reach a human being. XXXX 's voicemail promises a callback within " 24-48 hours ''. Still no returned call. 

When I did speak with XXXX on XX/XX/XXXX, she mentioned that the process would take 60-90 BUSINESS DAYS to complete. 

As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can attest that this process is not hard. It would take a processor 1 week to verify employment and assets. It would take an underwriter one DAY to review all documentation to make a decision. Inspections are not required. Appraisal is not required. It's a basic credit underwrite. They claim that they have heavy call volume. Maybe they should HIRE??? 

This appears to be an intentional delay that is specific to discriminating against Veterans who are trying to sell their homes via VA loan assumption.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In XXXX of XXXX I contacted Transunion LLC and XXXX to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (ID)

I contacted the BMO bank branch in XXXX where I had a security credit card in early XX/XX/2023 with a request to close the account and return my money. I was told that I should call the number on the card and close it, which I did. However, despite because the account was closed on XX/XX/XXXX, I did not receive my deposit back. I repeatedly called the hotline and every time I received an answer that I would receive my money and the delay was due to the fact that someone had the wrong address and other excuses. On XX/XX/XXXX, I contacted to another branch in XXXX. The XXXX XXXX wanted to help me and tried for a long time to find out why I had not received anything. Then she was told that within 10 days I would receive a check from the bank. As of XX/XX/XXXX, I only received promotional papers from BMO bank. I spent a lot of time and effort to take back your deposit. Also the XXXX XXXX, but we still couldnt get anything. Please pay attention to this bank because many clients complain about it.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

On XX/XX/2023 at XXXX, I received a phone call from XXXX ( XXXX ) XXXX stating that a woman by the name XXXX XXXX in Florida made an unauthorized, fraudulent transfer through XXXX on my PNC account in the amount of {$2500.00}. Throughout this phone call, the man kept saying we were on a recorded line, and kept reassuring me this is what I need to do to prevent the XXXX transaction from posting to my account. 
I was asked to verify my home address, phone number, account numbers, and the exact dollar amounts on my previous two transactions on both my debit and credit cards. I was asked to verify the exact dollar amount of funds in my checking account, reserve account, and short-term growth account. I was told the next step in order to cancel the XXXX transfer was to complete a wire transfer to a case manager. The case manager 's name was XXXX XXXX ( XXXX XXXX ). He then prompted me to enter my home address, email address, and phone number as the recipient. He told me I need to wire transfer {$2500.00} to the case manager and my funds found be immediately returned to my checking account. He asked me to state the confirmation number. He kept asking me to log out of my account and then log back in. He said the transfer did not go through so I needed to send {$2500.00} to another case manager, XXXX XXXX ( XXXX XXXX XXXX XXXX  ). This wire transfer was completed. He asked me to transfer the amount in my reserve account to my checking account. He asked me if my PNC debit card is linked to XXXX XXXX, XXXX, XXXX etc., and I said it is linked to XXXX XXXX. He promptly sent me a text message from XXXX ( XXXX ) XXXX requesting {$520.00} through XXXX XXXX, Manual Dispute id : XXXX. At this point I told him I do not feel comfortable clicking the link for the apple payment and he reassured me that this is standard procedure to get my funds back. I hung up and called the PNC fraud alert line. They told me there is nothing I can do at this time and it will be under investigation. They told me all I can do is call back tomorrow, there is no guarantee I will get my funds back from the wire transfer.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Today I received a e-mail from XXXX XXXX XXXX XXXX that I was pre-approved for a Capital One credit card and that through their portal I could find out which cards I was approved. In addition, I was told that there would be no effect/inquiry to my credit file. I went to their confidential portal and with the pre-loaded information, I was pre approved for two separate cards. At this time, Capital One required more information to proceed with the pre approval. I completed it. Once again, in the process, I was pre approved for either of the cards, in addition, there would be no inquiry to my credit report. To my suprise, I received a private e-mail from Capital One requesting that they needed proof of me by supplying my drivers license, social security card or passport. I currently have other credit cards and never have they asked for personal and confidential information XXXX given to them. I believe this is either a scam or fraud. In addition, I have the documentation available to review. I hold XXXX equally responsible for false advertising regarding this " preapproval '' Capital One credit card.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (LA)

As the XXXX I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 

XX/XX/2023 Discover was noticed of new stipulation as the XXXX. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX a notice of tender was sent RE XXXX XXXX XXXX XXXX XX/XX/2023 Payment was tender with {$21.00} money order RE : XXXX XXXX XXXX Money order was redeemed with instructions to use for special deposit on acct. 
The money order was put into general deposit commingling funds. 
XX/XX/2023 statement of discharge was sent RE : XXXX XXXX XXXX XX/XX/2023 a Debt Assignment by XXXX was sent RE : XXXX XXXX XXXX XXXX XX/XX/XXXX a final statement of discharge was sent XXXX : XXXX XXXX XXXX XX/XX/XXXX A rescission of signature was XXXX RE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 2023 Exoneration from debt was sent cert mail # XXXX The debt amount is {$2300.00} To date Discover has not responded to any notices or rebutted any notices.
Consumer complaint received 2017-09-09
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. (MA)

> Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

> They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

> They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill
Consumer complaint received 2017-09-08
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. (OR)

Equifax was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT MONITORING SERVICE.