davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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. (AZ)

On XX/XX/XXXX, I XXXX XXXX initiated a written dispute with Equifax and asked for their Method Of Validation regarding a fraudulent inquiry from XXXX XXXX XXXX XXXX that was reporting to my Equifax credit report. I've also initiated this same dispute with the Consumer Financial Protection Bureau whose job it is to protect the american consumers against deceptive and abusive acts from credit bureaus and creditors. I've sent proof of these deceptive acts by Equifax to Equifax and to the Consumer Financial Protection Bureau. 
The deceptive acts in question were the re-aging of my U.S. Postal return receipt of my package that was delivered on XX/XX/XXXX. Equifax re-aged the receipt of my dispute to XX/XX/XXXX. 
The tracking numbers on the signed green return receipt match the original sale receipt that was given to me by the U.S. Post Office on XX/XX/XXXX. The second deceptive act and violation of the Fair Debt Collections Practices Act is Equifax did not provide me in writing 15 days after receiving my dispute as to how they verified that the disputed item was indeed accurate. 
As of Today XX/XX/XXXX I just received the response from equifax stating my dispute once again was valid and accurate without providing me their Method Of Validation from 15 days of them receiving my dispute. Since the Consumer Financial Protection Bureau will not do their job protecting the consumer from Equifax and their deceptive acts, I have no choice but to escalate this into a court of law seeking damages such as Defamation, Negligent Enablement of Identity Fraud, Violation of The Fair Debt Collections Practices Act and Violations of The Fair Credit Reporting Act. 
The Consumer Financial Protection Bureau needs to do its job and ask Equifax to provide the Consumer Financial Protection Bureau with the Method of Validation Letter they were supposed to send me 15 days after my dispute was delivered. Under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I should of received the Method Of Validation I requested under the Fair Credit Reporting Act.

Look at all my receipts which are all accurate, then take a close look at how Equifax has re-aged the stamp of my delivery receipt from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2021-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I received notification from Navient stating that my loan was leaving forbearance and would be due in approximately 30 days. the letter was dated XX/XX/XXXX. In XXXX I received notice stating that my account was 30 days delinquent and a double payment would need to be made. I contacted navient directly and after an extended phone call including a supervisor and a representative It was agreed that there would be a payment plan of three payments to bring the account current and the delinquency notices would be stopped. this did not happen and my cosigner has told me that they are receiving calls regarding my account after my phone call and agreement with Navient and it appears that navient has also erroneously applied a payment they sent for another account to my loans instead. I was unaware of this extra payment until today, XX/XX/XXXX when I called them to ask why I received another delinquency notice today when we were on an agreed payment arrangement that was supposed to stop these communications. 

their system has had these same issues for the entire time I have been in repayment. they will send a notice that magically isn't reflected in their system, but will show that instead a statement was sent during the time the loan was on forbearance and no account payment due documents should have been generated.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (NJ)

I think these guys have just been winging me around actually cancelling my gym membership. It feels like a decietful practice ; I dont understand why cancelling/renewing my XXXX account is done in seconds but trying to cancel my membership with these guys is like pulling teeth. 

When COVID-19 happened in XX/XX/XXXX, I reached out to my health club to cancel my membership. They told me I would have to go to the original gym I signed up with in XXXX. I am an essential worker, and couldnt take off, so I begged them to just cancel. They would not. I figured hopefully covid would subside ... that did not happen. When lockdown went into place, they reached out to us to let us know we wouldnt be getting charged. I reached out and again said I am cancelling my account. All the gyms were closed - how was one supposed to do this? I left phone messages saying I wanted to cancel my membership. I then found out I could cancel online. So I cancelled my membership in XXXX XXXX. 

I noticed around XX/XX/XXXX they were still charging me. I reached out to my creditcard to suspend the charges from them because I cancelled my membership months ago and this was feeling borderline predatory practice. My creditcard agreed with me, and refunded me all the charges from XX/XX/XXXX. 

Now in the mail, ABC Financial XXXX XXXX XXXX is saying I owe them {$220.00} in late fee. ABC Financial / XXXX XXXX is going after me with basically a whole year 's worth of a membership after COVID? Unbelievable! This is some " Hotel California '' trap where you sign up and they make it impossible to cancel, when they should have allowed us to cancel our memberships when COVID happened so people could focus on their bills. 

No way this is legal after COVID ; it definitely needs to be investigated for predatory practices and made simpler to manage your membership status.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Smith, Cohen & Rosenberg LLC (FL)

This company try to collect {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I dont know nothing about this place/ company
Consumer complaint received 2021-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Hello and good day, I have several issues with my mortgage company # 1 I have written a letter to them to cancel PMI, have never missed a payment or been late in going on 4 years, they said I have to pay them XXXX  dollars to remove it and my loan is below 70 % of the original value of the loan under the homeowners protection act it should have been terminate automatically and have called them also, no action has been taken to remove it, I just got hurricane windows and doors put in the house and have been remolding the house inside and outside ( painting, wood work, etc. ) fixing it up due to the condition when i purchased it. # 2 I have to carry flood insurance due to a 100 year flood zone where the house is, they hold escrow and never pay the insurance on time, this past year I called them 2 times in XXXX when it was due 2 times in XXXX and again 2 times in XXXX with no response from them or from the agent who writes my policy so I took it upon myself and found a new agent and company to get me a new policy ( flood ) and they the mortgage company fined me {$300.00} dollars for them not paying my flood insurance on time, they hold the escrow money and did not do their job, now is this fair? They will not return the money, or remove the escrow from the account even though I have paid the bill in full out of my own pocket and wish to each year due to the fact they never pay the bill on time and never contact me telling me they are unable to pay it or contact the insurance company who provides the policy. I have been going through this every year since i purchased this property and have to call every year making it a big hassle for me since I work 6 days a week and should not have to check up on them to do their job. But every year they never pay the bill and get me a new policy costing 4 times what i pay and then I have to struggle to get it taken off!!! All i want to do is pay for it myself and they refuse to take it off my mortgage and allow me to pay it myself even thou I did it this year due to a breach of contract on their part!! Please help
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2019 I closed the account with Ally Financial. It was suppose to be a settlement because I did know it affected your credit but I called them and Paid The Full Balanace. No settlement was done. XXXX  still has my account with Ally Financial as Close in Settlement and remarks " account paid in full for less the origina Balance ''. I tried disputing multiple time with Ally Financial and XXXX  but nothing has change. I have a Letter from Ally that proves The accoun was paid in full without going to settlement, I tried sending that letter on my dispute to Experian but that did not help. Just today i received the results from my last dispute ( 4th total ) and nothing changed. Account still says dellinquent, settlement.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CBNA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-04-02
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: Experian Information Solutions Inc. (MA)

Experian, continue to not provided me with the proof as I have requested multiple times. I have requested from Experian proof that I was later for my XXXX for XXXX XXXX XXXX account. Experian continue to provide me with the proof that I was late for XXXX. Experian has violated the Fair Credit Reporting Act by not providing me with the proof I have requested multiple times with this subterfuge and inaccurate information for XXXX.
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Hi My name is XXXX XXXX, I am having problem with care Credit, I am being charged for things I did not authorize, I owe them {$1400.00} this is the latest amount, it seems no matter how much payments I make, my loan does not come down, i was charged {$23.00} for Credit card Insurince, which I did not know or was told about, Finance charged {$12.00} on XX/XX/2021 both on XX/XX/2021,
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Spark Business solicited a business credit card in XX/XX/2020. They offered {$1000.00} cash bonus if {$10000.00} is spent in the first three months, {$0.00} fraud liability and unlimited 2 percent cash back on every purchase. They provided a reservation # and an access code to apply online. I applied online and my application was approved with a credit limit of {$5000.00}. I started using the card. 
Through XX/XX/2020, I charged {$2700.00}. It was paid in full on XX/XX/2020. 
Through the next billing cycle, charges were {$4400.00} which were also paid in full in a timely manner. The balance was {$0.00}. 
On XX/XX/2020, I ordered face shields for {$46.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020, vacuum cleaners for {$180.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020 trimmer for {$21.00} ( Shown on statement : XXXX, no other information such as order number or contact number was provided ) and on XX/XX/2020 cell phone cases for {$43.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ). 
As we never received the merchandize, we contacted Capital One to obtain vendor contact information, however we were never provided with the information. As such, we could not contact the vendors. Then, we contacted Capital One to place the four items in dispute. At that time, as a standard practice, they asked me for the last four digits of my Social Security number. When I gave the number, they said it did not match with the number on their files. They asked me to provide a copy of the social security card, copy of the driver license and a copy of the utility bill to prove that it was me. 
All the documents were submitted to Capital One by email. Capital One came back saying the social security number still did not match. They permanently restricted my account. They would not entertain any request those four fraudulent activities.

In the meantime, I returned one of the other items I purchased from XXXX  and the vendor credited that money, {$26.00} to Capital One card account. Capital One is also refusing to return the money. 
I charged close to {$7200.00} in just over a month and would have charged more than {$10000.00} to earn my cash bonus. 
Capital One did not let me use my account to earn that bonus ( {$1000.00} ), they did not take any action against the fraudulent activities ( {$290.00} ) and is not returning the credited amount ( {$26.00} ). 
We contacted Capital One several times to obtain the merchant information. We were never given that information from Capital One, so we could not contact the vendors. 
Copies of the original offer and of credit card statements are attached for your use.
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. These account was removed from XXXX  and XXXX  but Transunion still haven't removed it. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted them regarding this and i was told to get an FTC report.
Consumer complaint received 2021-04-02
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: HCFS Healthcare Financial Services of TeamHealth (TN)

I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from ARS Account Resolution for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.
Consumer complaint received 2021-04-02
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. (OK)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is in follow up to complaint XXXX. We found the money transferred via XXXX. It was transferred to another persons account with my phone number on it as backup and my phone number on my actual bank account was disabled without my approval or knowledge. XXXX is owned by 7 major federal financial institutions and federal financial institutions should not be favoring one payment app over others, especially when that payment app is owned by the federal institutions. How is this legal? 

See attachment.
Consumer complaint received 2021-04-02
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: Bread Financial Holdings, Inc. (NM)

I recently discovered a credit inquiry from Comenity Capital Bank on my XXXX credit report. I did not authorize this inquiry and so I sent a dispute to them on XX/XX/2021 demanding it to be removed from my credit report. I also sent a dispute to XXXX. Both came back verified with no proof. I called Comenity Capital Bank on XX/XX/2021 to dispute the inquiry and a representative stated they had no record of an account with my name or social security number attached. Based on what has happened, Comenity Capital Bank and XXXX  are in violation of the following laws : FCRA 15 USC 1681b ; FCRA 15 USC 1693a ( 2 ) This is very frustrating and I demand resolution to this matter.
Consumer complaint received 2021-03-31
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: CITIBANK, N.A. (IL)

I have disputed an unauthorized charge with my credit card company multiple times, and the dispute has been denied. 

The charge in question is dated XX/XX/2020, in the amount of {$1900.00}, to XXXX XXXX XXXX XXXX XXXX. 

As I previously reported when I initially disputed this charge, I did not make this charge and did not authorize anyone else to use my card or make this charge. Additionally, the referenced vendor is unknown to me, and I did not receive any benefit as a result of the charge. 

I received a text message alert concerning the charge, while at work, on the day of the charge in question. When I contacted my credit card company, I was informed that I could not dispute the charge until it had posted to the account. After the charge posted, I promptly disputed it. Following a period of presumed investigation, my dispute was summarily denied. 

The credit card company explained that because the card is EMV chip enabled, there exists no other explanation than that I or someone with my authorization was present and made the transaction using a chip card reader. I have not been able to review the records the credit card company interprets to indicate this, but I do have my own evidence and testimony to demonstrate that the card was not used by me or any other authorized party.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

on XX/XX/2021 I requested to be part of the consumer assistance program offered by the Apple card which suspends interest payments while you are in the program. 

In writing XXXX XXXX informed me that I was not eligible for this program due to the fact that I was not currently being charged any interest. 

XXXX XXXX then charged me interest for the month of XXXX, after stating there would be no interest charges due. This was in writing. 

I contacted the a representative of the company by phone, on XX/XX/XXXX, who then reversed the majority of the charges after speaking to them on a recorded line. 

After reversing the charges, XXXX XXXX then put the interest back to on the card where even if I paid 100 % of my balance by the due date they would charge me {$33.00} in past interest from the month of XXXX. 

This is fraud. 

I have attempted multiple times to get this resolved with the company and they have refused. I am being fraudulently charged interest on a balance that stated there was no interest due.