davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I paid {$7500.00} for dental work XXXX with my Carecredit card and was given XXXX  years deffered interest. I was told as long as I paid my monthly payments I would be able to avoid the interest. I was under the impresion that my monthly payments would automatically go towards my deffered interest purchses to avoid interest. I feel like the company purposefully put my payments toward non deffered purchases so they could charge me the interest for my deferred ones. The interest they charged was {$4700.00} and my account is now overdrawn by {$3100.00}. I called to ask why my payments were not going toward my deffered purchases and was informed I would have had to call and specifically ask for that, which is sketchy. I aksed if there was anything I could do and was informed that if I paid the remaining balance of {$5900.00} by XX/XX/XXXX they would remove that {$4700.00} interest charge, however this is not possible. I called back again and asked if any of my previous payments could go towards this purchase and was informed only one could because it had to be within the last 60 days. Which only brought it down to {$5700.00}. I find it extremely unfair that I was not notified my payments would not go towards this deferred purchase. In fact, I was told by the dental office that as long as I made my monthly payments I would be in the clear.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC. (IL)

There were 9 Charges from " XXXX XXXX '' on XXXX XXXX of them were declined due to potential fraud and 6 were approved. The approved Charges were for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I reported these charges as fraudulent the next day, as I did not use this card at this merchant, nor did I spend this amount at this merchant. The merchant got ahold of my CC and my XXXX without my permission and charged over {$2500.00} across XXXX different credit cards without my permission. All other banks involved noticed this and denied and/or cancelled all transactions. My Robinhood Gold Card responded that all charges were valid since the physical CC can not be counterfeited, so if the card was charged they had to have been approved by me. I explained they somehow got into my wallet and charged multiple credit cards without my permission, and these charges were fraud. All charges were charged within XXXX minute of each other. 

There is no phone number for the Robinhood Gold Credit Card, only email correspondence through their app. I asked them to perform a chargeback request to the merchant and asked what information they received from the merchant to prove the charges were valid, but they declined to provide any information. I did not sign for or approve any of these charges, and don't event know what they are claiming I purchased for roughly {$1000.00} on this credit card.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TX)

I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from XXXXXXXX XXXX XXXXXXXX, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2018-01-12
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: Hunt & Henriques (CA)

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and housewife, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Automated Collection Services, Inc. (IA)

I have paid XXXX to XXXX through ACSI ( as of  XXXX, XXXX ) on this student loan payment ( and related garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). XXXX has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and XXXX has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Around XXXX on XX/XX/year>, I received a call from XXXX, which is typically USAA bank number. When I answered the man over phone asked me if I could verify a charge on my account, and I said that I do not verify the charge. He then said that because of the charge he would have to give me a whole new account number for both my checking AND savings. He asked me to verify my identity through a text link ( which USAA normally does ), and when I did he then had access to my account where he had moved all the money over himself. I never told him any of my information over the phone. 

The man over phone said that I would need to wait XXXX business days before I could have access to my funds again. I said that I can not do this, because rent is due soon. He then said that I could go to a local XXXX bank and he could walk me through the steps of taking money out of my account, to move over into another account. He said that USAA is affiliated with XXXX Bank, and that the bank will let me open a new joint account through them. He gave me a virtual debit card over the phone to enter in my XXXX wallet. I was afraid that if I did not comply I would loose access to my account with my bank, or that the bank would shut down my account. 

While the man was on the phone with me, he told me to do a cash advance of {$10000.00} ( though I only had {$6500.00} in my savings ) and that he would initiate this amount from my all my accounts, to my checking. I went to the teller at XXXX bank and entered my Debit card to their card reader. Then he told me to enter that {$10000.00} cash through the XXXX bank ATM using the XXXX card on the mobile wallet. After multiple tries, the ATM took the {$10000.00}. Throughout the process asked him if I could just do this through the counter and he said " no ''. 

After the {$10000.00} was entered, the XXXX XXXX ( XXXX XXXX ) came over to me asking me what was going on and I told her. She said that XXXX is not affiliated with USAA bank, and that I was being scammed. I did not know how to feel, because this scammer did everything a normal USAA agent would do and I trusted that this was a real person with the bank, I immediately hung up and called the bank itself. I only found out on the night of XX/XX/XXXX, that the scammer had taken over my account and opened a new checking under my name. I filed a complaint with my state government the afternoon of XX/XX/XXXX. 

The morning of XX/XX/XXXX, I saw that the scammer tried to take out {$5000.00} from my other bank, XXXX XXXX Bank ( that I connected to USAA years ago ). This put that checking account in the negatives. I called XXXX and fortunately they said the XXXX charge would be dropped the next day, and it was. This {$5000.00} is what the scammer tried to put with my savings, to get the {$10000.00}. He could not see how much was in my XXXX bank, through my USAA because that joint link had not been updated in months. I filed a fraud claim with both USAA and XXXX bank on XX/XX/XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, i have issued a cease and desist letter to the company and i still continue to get harassing calls and letters on a account that do not belong to me, they are in violation
Consumer complaint received 2024-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I have filed and have evidence of applying for School Misconduct toward the XXXX XXXX XXXX XXXX  and their dealings with Navient toward my private loans. 

My current borrower defense status with the FSA ( Federal Student Aid ) is as follows : processing discharge and I have a letter outlining that my federal loans will be discharged due to School Misconduct with the XXXX XXXX XXXX XXXX  and Navient. 

I am also currently searching and joining several lawsuits regarding this scam school and their dealings with Navient its private loans.

I was DENIED by Navient after applying TWICE for their School Misconduct application, sent both in XX/XX/year> and XX/XX/year>. They DENIED me on XX/XX/year>. 

Their reasoning was : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

This is vague and does not give me specific reasons why they DENIED my application and also feel they did not properly give the process scrutiny given the evidence I sent TWICE.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.

XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my TransUnion and XXXX  credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
Consumer complaint received 2018-01-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blakely-Witt and Associates, Inc. (TX)

XX/XX/XXXX i was behind on my rent for my apartment so apartment filed in court for eviction, before eviction process i paid apartment in the amount of {$1500.00} in money orders that were dropped off at office of the complex, then apartment got writ of possession for the apartment, i disputed the public records reporting that was on my credit report by stating that i paid the amount owed and to my advantage it was removed, well about 6 months later the same file showed back up on my credit report but under a different company and higher amount of {$4200.00} it also shows on my credit report 2 times which makes my credit score go down because now it looks like i owe {$8500.00} in debt 1 account shows open in XX/XX/XXXX and the other in XX/XX/XXXXi tried  calling the creditior and told him i nhad paid the debt of {$1500.00} directly to the apartment management company and he went on to tell me it doesnt matter because i broke the lease i told him i did not the managment company received a writ of possession for the unit, then rep was very rude and threaten to continue to ruin my credit until i pay the amount, i stated that i would hire a attorney because i didnt owe this amount plus the apartment complex had already removed the debt from my credit so how can you now report a higher amount originally oewd which i paid, i looked up yje company online and saw that many other consumers were having the same issues with this same creditor, i want to know what are my rights to fix this issue because now not only is he showing i owe {$4200.00} but now i owe double looking for help, this has cause me not to be able to get a place to live in my name until i resolve this matter.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is, XXXX is stating they are reporting accurate information to XXXX, XXXX, and TRANSUNION. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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 an account without my written instructions.

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 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. 
You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. 
I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. 
In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. 

I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. 

XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.