davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I have a Sams Club MasterCard, which is through synchrony bank. I had an unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have aI have a Sams Club MasterCard, which is through synchrony bank. I had a unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge. I have paid my bill up to that {$100.00}. This was not my charge yet they refused to remove it until they investigate. That is like saying I am guilty until they prove me innocent. This is unacceptable. I want discharge remove from my account immediately.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I had an auto loan, and the vehicle attached to the load was deemed a total loss after an auto accident on XX/XX/year>. Auto insurance sent an automatic funds transfer to the lender, and GAP coverage paid the remaining loan balance on XX/XX/year>. According to the payoff letter I received on XX/XX/year>, the vehicle has a payoff date of XX/XX/year>. However, when I look at my credit reports I have a balance of {$14000.00} and a low credit score. All of these are negatively affecting my credit.
Consumer complaint received 2024-07-19
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (DE)

I paid off my Wells Fargo Auto Loan on XX/XX/XXXX of this year. Wells Fargo has yet to report that its been paid off to the 3 credit bureaus. When I called Wells Fargo they said it should have been reported to the bureaus on the XXXX of XXXX and they couldn't see anything on their end that would have prevented it but they weren't 100 % sure.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX  XXXX, AL, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (LA)

For sometime have requested Regions to report to the 3 credit bureaus this account not past due in XXXX XXXX XXXX. It was paid in full on XX/XX/2023 which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/XXXX and XXXX there was a series of unauthorized transactions posted to my checking account. The entirety of my account balance ( {$1500.00} ) was withdrawn through a series of transactions and ATM wothdrawls. I did not lose my debit card and it was not stolen. I live in Michigan and these transactions were done in Georgia. I do not share my account with any other person. I have never shared my pin number with anyone. How someone was able to do withdrawals without my card or pin number is incredibly troubling. It suggests a serious breach in security and is a direct infringement on my rights as a consumer. I disputed the transactions immediately with Chime but they decided that " no error occured '' despite the overwhelming evidence saying otherwise.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc. (LA)

I am currently in XXXX and I tried to pay my mother 's bill in XXXX using my US-based Revolut account on XX/XX/year>, which was flagged by the bank on XX/XX/year> when they requested more information on the payee, which I provided the same day. The payments usually go through within two business days, so I started worrying when I saw that this payment is still being processed on XX/XX/year>. When I contacted Revolut 's in-app Support, they told me that my money is being held between Revolut 's Escalations Team and their Payment Processor. And my money has been stuck there for more than two weeks now. I used the same type of transaction to pay other bills before and after the problematic transaction in question and they all went through without any complications. I asked Revolut numerous times to return my money back to my account ( or release it to the payee ) ; however, they told me that the transaction can not be canceled ( nor returned or released ) at this point and that they are waiting on the response from their Escalations Team, for at least a week now. When I asked why this transaction was flagged and held, nobody had an answer. I also filed a formal complaint with the bank itself ( Revolut Technologies Inc. ), and even though their response was prompt and detailed, nothing was resolved with my complaint.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

I SEE TWO ACCOUNTS THROUGH AFFIRM SHOWING DELINQUENT AND THEY ARE NOT MINE THEY NEED TO REMOVE TWO ACCOUNTS SHOWING ON MY CREDIT!!!, IT IS IMPOSSIBLE TO WORK WITH THEIR CUSTOMER SERVICE TEAM, THEY HAVE ME DOWN FOR TWO PURCHASES THAT ARE NOT MINE!!!
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

On XX/XX/XXXX I submitted a transfer request to XXXX to move money from my XXXX account to my XXXX XXXX account with XXXX. 
They took a week to take the money out of my XXXX account, on XX/XX/XXXX. 
It's now XX/XX/XXXX and still this requested transfer has not shown up in my XXXX  account.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

This is concerning Citibank, specifically the Best Buy Visa Card On XX/XX/XXXX I received an email with an offer that If I spend {$750.00} outside of Best Buy by XX/XX/XXXX, I would receive a {$40.00} promotional rewards certificate. I activated the offer and proceeded to spend more than what was required. I never received the certificate. I called the Bank and she tried to help, but I don't think she understood how to fix it and tried to give me an account credit, to which I was not looking for, I simply wanted the certificate that was offered. I contacted Best Buy rewards and they proceeded to tell me that I had not opted into the promotion, which is not correct. I always click " activate '' on these offers and save the emails just in case this happens. The fact that they have no way of backing up what they are saying, and I have no way of proving it makes me feel that they never intended to honor the promotion, and others may be in a similar situation due to their bug/error. It is completely misleading to offer this promotion to spend and get, but not provide the certificate in the end. I am beyond disappointed with this experience, and I hope they will honor the promotion that the advertised.
Consumer complaint received 2024-07-19
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: SANTANDER HOLDINGS USA, INC. (GA)

Hard inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA dated XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX After contacting, I received no information or deletions from my credit report.
Consumer complaint received 2024-07-19
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: CNG FINANCIAL CORPORATION (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have three separate American Express gift cards each for {$50.00}. I tried to reload my XXXX gift card balance with these gift cards but kept getting denied. I called XXXX and they said it was on AMEX 's end because AMEX was trying to do 2 temp charges of XXXX cents each and since the reload was for {$50.00}, the transaction was getting denied since I only had {$49.00} available on the card. I reached out to AMEX and did indeed see that I only have {$49.00} available on the card. So I ended up using {$49.00} ( since I couldn't purchase anything with a decimal e.g., {$49.00} ) and it worked.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I wrote a letter to XXXX XXXX so I could obtain all of the documents from my loan for a car financed through them, as well as any info on a repossession. I never heard back from them. I looked online to make sure I had the correct address. I did, however they had a different XXXX XXXX for credit report disputes so I wrote to the different XXXX XXXX because I wanted to make sure they would receive my request for validation. I have yet to hear back from them still. Yesterday I received a notification on my XXXX XXXX that they increased the balance on my CLOSED loan which has been closed since XXXX. This is against the law and I am very close to consulting an attorney. You can not increase a balance on a closed loan on which I don't even own the car anymore. Then I received an email from them that invited me to sign up for a law suit against them. I don't know what is going on, but they need to immediately remove this account from any credit bureau reporting and adding new charges to a CLOSED LOAN FROM XXXX.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I am respectfully filing another Federal Complaint against Discover Bank Credit Card who have enforced their powers with their Law firm to place a lien and levy on my home and bank accounts in which my checking and savings is under less than the minimum of about {$300.00}. 
The principal Credit Card debt amount due is {$8100.00} with late fees and court fees. 

Discover Bank Credit Card Company filed a lawsuit against me at the Superior Court of XXXX XXXX XXXX. CASE NO. XXXX on XX/XX/year> to recover the debt. 

Previously on XX/XX/year> I had filed with the CFPB about this matter. I feel that I have been discriminated and retaliated upon because I filed a Federal Complaint against the institution. 

I requested previously in the past and present to allow me an affordable monthly repayment of {$50.00} per month for my credit card debt Account # XXXX but Discover Bank Credit Card Company and their Law Firm refused to accept {$50.00} per month and required over {$200.00} per month payment but I can not afford that amount. 
My work as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many times often. The income opportunity has dwindled down significantly due to the economic crisis going on since before the COVID-19 Pandemic Crisis. I have a XXXX XXXX XXXX XXXXXXXX whom I support and provide for and an XXXX XXXX XXXX daughter in college. The cost of living and expenses is astronomical in the XXXX XXXX and seems to get worse. Help is needed. 
I am very concerned and would like an amicable resolution to this matter. 
Remove all DEROGATORY REMARKS ON MY CREDIT REPORT. 

EXTREMELY VERY URGENT MATTER!
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

, the inaccurate, unlawful information that you were able to furnish onto my consumer report due to Identity Theft. It does not meet the full compliances of federal XXXX. Codes, XXXX nor to the fullest extent of the FDCPA, CFPB, or FCRA ; neither were they reported with my written authorization. The furnishing of such inaccurate information has caused severe damage to my character, general mode of living and my ability to obtain credit for personal and house purpose. 
15 USC 1681 s-2 ( a ) ( XXXX ) ( A ) states A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
15 U.S. Code 1681a ( XXXX ) Exclusions ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; Medical Information is to be coded on my consumer according to the XXXX XXXX of XXXX, also you must have my written consent to report this coded debt. As this is medical debt. Lastly Medical debt is NOT to be furnished onto consumer reports as creditors view my consumer report in order to determine my eligibility for credit as stated below in Limitation on creditors. 

Account Number Account Status Date Opened Date Closed Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OPEN {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2200.00} ( XXXX ) Limitation on creditors Except as permitted pursuant to paragraph ( XXXX ) ( C ) or regulations prescribed under paragraph ( XXXX ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section XXXX ( a ) ( XXXX ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. 

( XXXX ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( XXXX ) or ( XXXX ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
Consumer complaint received 2024-07-18
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc. (IA)

I understand that after six long months, wisely ADP payroll returned the money I disputed. However, I haven't had a card for awhile. I stopped using it because I had stopped my direct deposit from going into that account them due to the issues I was having with getting infomation to them to support my dispute and I have no idea where it is at now. Nonetheless, I still would like to thank them for making this right and finally adhering to regulation E. However, I have not been able to access the app, or none of the funds they returned. I really could use to pay some bills that are behind because of the very long wait for them to respond. Please send me a card so i can call in and access my accont and use the funds you returned.
Consumer complaint received 2024-08-07
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. (VA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-07-18
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: FC HoldCo LLC (TX)

I have noticed unauthorized inquiries on my credit report that I would like to have removed. According to the FCRA these unverified and unauthorized items must be removed immediately. 
Information reporting listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flagship credit acceptance 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

I received XXXX  loans, which have been turned over to a service provider due to late payments. I was granted a deferment but was never given the terms. When I called the company, they stated it was sent electronically as well as the notice when the deferment/forbearance was about to end. I have never consented to any email notifications. When I asked the company to provide my electronic consent form they stated that they could not, because they do not have that information. I would like the lates removed and the loans placed back in good standing, as I have now been making my payments since being made aware that the loans were late when my credit was pulled.