davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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: SYNCHRONY FINANCIAL (NY)

I bought a voucher on XXXX for a service, which I will attach here. It clearly states on the voucher that refunds can be provided. When I went online to make an appointment for the service I bought on XXXX, I realized that the service offered was not what was stated on XXXX, and the provider misrepresented themselves. 

I contacted groupon.com for a refund, which they only offered me credits for their site to puchase something else, which I dont want to buy anything else. I should get a refund. 

I tried to dispute this with my bank. I provided evidence that service I bought was NOT as described online. Synchrony bank denied my dispute in favor of groupon. Synchrony stated I " entered an agreement with the merchant for the charge in question, and they set policies regarding cancellations, refunds and to deal with merchant directly. 

I have contacted merchant directly and they will not refund my money. I also did NOT receive the services I paid for. I can not use the service, because it was a lie that I bought... 

Also, groupon.com sent Synchrony Bank statements that differ from the policies that they have posted online to their website. These policies that are on their website, which state that refunds are indeed available, I sent to Synchrony bank, and was totally ignored. I have seen on XXXX website many people having issues with sites like groupon, and their card issuer will give refunds. Synchrony Bank will not help me in any way with this and will always side with merchants no matter what situation ... that is what this looks like.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (TX)

I made my regularly scheduled payment online on XXXX ( this is the due date ). PNC Bank placed a {$35.00} late fee on my account, even though, according to my payment receipt any payment made prior to XXXX XXXX ( EST ) will be accredited on the same date. Upon contacting customer service I was advised that any payment made on the due date would incur a late fee. This has never been the case and I have always made my payments before or on the due date and have never had this done. I would like for the CFPB to investigate the fees that PNC Bank may or may not be assessing to their credit card customers.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX, Account Name : # XXXX, has violated my rights. 

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 XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.U. 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 conviction of crimes which antedates the report by more that XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CA)

Hello, My name is XXXX XXXX. I am writing to request your assistance in addressing an issue I have encountered with Credit Karma regarding my personal data under the California Consumer Privacy Act ( CCPA ). 

Background : I initially joined Credit Karma following their acquisition of XXXX, expecting a continuation of the services XXXX provided. However, it became apparent that Credit Karma did not offer the same functionality and instead seemed focused on acquiring detailed financial information from XXXX 's user base, myself included. This experience has led me to believe that Credit Karma has engaged in a bait-and-switch tactic, leveraging Mints user data without providing equivalent service. 

My XXXX : Due to a past experience with identity theft from a significant data breach, I am vigilant about my personal information. On XX/XX/year>, I formally requested Credit Karma to delete all my personal data in accordance with my rights under the XXXX. Despite multiple follow-ups, Credit Karma has provided insufficient responses, avoiding my direct questions about what specific data they retain and the legal basis for doing so. 

Specific Requests : XXXX. Detailed Information : A precise list of all personal data that Credit Karma has retained, including categories like bank account details and net worth, and the specific legal reasons for retaining each category under the XXXX and other relevant laws. 
XXXX. Data Deletion : XXXX deletion of all personal data not required to be retained by law, with clear communication on why any retained data can not be deleted. 
XXXX. Transparency : Detailed explanation of the data anonymization process used by Credit Karma, ensuring my data will be completely unidentifiable post-process. 

Next Steps : XXXX XXXX lack of response has left me no choice but to look for external help. I request your intervention to ensure that Credit Karma complies with my data deletion request and provides the transparency required under the CCPA and the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Thank you for your time and consideration. I hope you can help me. 

Sincerely, XXXX XXXX XXXX XXXX of Marketing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
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: AMERICAN EXPRESS COMPANY (OH)

I booked a hotel with American Express Travel this past XXXX ( 2017 ) and used my American Express card to pay for the hotel fees. However, American Express Travel did not fulfill their contract with me and subsequently, I disputed the transaction with American Express so I could receive a refund. Although American Express should be unbiased and evaluate my dispute objectively, since American Express Travel is part of their company, they are not evaluating the transaction objectively. I know this because they literally told me. And they even told me that they could put me online with Amex travel. 
I can go into the exact details of how XXXX Travel did not meet their contract if it necessary but much of that information and associated documents are already in American Express 's hands.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (AZ)

Ill need to get the exact dates but during 2009, I received a social security XXXX back pay check for a little over {$25000.00}. I used around {$24000.00} to pay off my Wells Fargo Mortgage. I went to my branch with an appointment with the branch manager to ensure there were no snags. 
During the next three months, I kept noticing that the huge amount would go in and out of my checking account and my mortgage had not been paid off. I still made payments. 
After three months, I contacted the XXXX  and filed a complaint. 
Soon after, a WF lady in Iowa called me and helped me finally get my mortgage paid off. 
When I asked her for my interest for having {$24000.00} of my money for three months, she said that would never happen. That its simply my loss. 

I ask for that compounded interest that is owed to this day from that date I deposited the check to this very day. 
It should be a sizeable amount by now and in addition, I deserve a sizeable pay out for emotional duress and hardship due to their gross negligence and thievery. 

Everyone knows they robbed me of what was and is rightfully mine! 
I can locate the amounts and dates.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

60 days ago I sent a request for this company to update and remove inaccurate information from my credit report. I sent 2 forms of ID, and a list of inaccurate information listed on my report. 

This company responded by saying they would not investigate. 

They are violating my rights as a consumer and now that it has been 60 days since my initial response, this company has neglected to act on my behalf to make my profile on their servers correct. 

I intend to file a complaint with my local court house if this is not corrected promptly. 

Thanks
Consumer complaint received 2024-09-13
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 (MS)

I was a military duty and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of 9 affirm accounts were reporting on my credit report. I have never had affirm before. I have never applied for affirm. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed affirm through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over 30 minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob , and ssn. She then provided me with a collections number ( XXXX XXXX ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Consumer complaint received 2024-07-10
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. (GA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-04
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: EQUIFAX, INC. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I obtained an unsecured personal loan for the amount of {$9100.00} with the XX/XX/XXXXXXXX XXXX XXXX ( GECU ) which I missed XXXX payment during the covid crisis and XXXX sent me to a collections agency. I set up automatics payments with the collections agency a firm by the name of XXXXXX/XX/XXXXXXXX which XXXX referred me to. I payed timely and never missed a payment and have completed my payments since XX/XX/XXXX. XXXX has been reporting me as delinquent since XXXX reporting negatively on my credit even though I have been paying back my personal unsecured loan. I called XXXX on XX/XX/XXXX and they told me to call the collections agency to clarify why I have been continuously reported as delinquent, I called the agency as well and nobody could give me a solution nor do they make themselves responsible for reporting me delinquent for all this time.
Consumer complaint received 2024-07-04
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: ALLY FINANCIAL INC. (GA)

Company/Date- XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The companys listed above I noticed unauthorized inquiries on my credit report.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo, and its subsidiary, Wells Fargo Bank , N.A . has prematurely charge our business account with overdraft fees consistently. Moreover, the Bank 's employee months from the account being opened a Wells Fargo employee criminally breached the account opening account in the names of its business using the business account and account owner 's personal information. without the business account owner 's knowledge or consent. Violating CFPB sections [ d ] 1031 and 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12, and possibly more. This has caused our small disadvantaged business financial and repetitional damage to date creating financial instability. Additionally, just to note that the original complaint in the matter somehow mysteriously disappeared, and a new one was established case # XXXX which would prolong investigations further while the business waits to be made whole from the damages, and suffers further financially.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

Purchased a vehicle from XXXX of XXXX. Vehicle was defective. A {$2000.00} deposit was put down on the vehicle and the vehicle was returned. The {$2000.00} was not returned to my account. Chase refuses to assist with the request and provide refund. Chase Bank has debited my account and refuses to acknowledge issue with merchant.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Friday XX/XX/year> - unauthorized fraud wire transfer in the amount of {$3000.00} from our Wells Fargo personal checking account number ending in XXXX. This account number has been closed and the new number is XXXX. 
Friday XX/XX/year> - unauthorized wire transfer in the amount of {$3500.00} from our business checking account ending in XXXX. This account number has been closed, and the new number is XXXX. 
I provided Wells Fargo with all the fraud I formation they never caught. I am set up to receive alerts concerning suspicious activity from Wells Fargo. I received an alert questioning a purchase at a XXXX XXXX store in the amount of {$880.00} that I denied. Received another text warning me of a {$23000.00} wire transfer. The alert thanked me for my response and that a fraud specialist from Wells Fargo would contact me. The phone rang, and it was the fraud specialist with a claim number, the fraud bank, the frauds name and address. I was told I would be receiving another call for a summons to arrest the fraudster. I didnt get a call back, and two hours later, the same day, contacted the real Wells Fargo to confirm this incident was going on. They informed me the call was not from a Wells Fargo line. I had been hacked. I never gave my account info to the fraud, nor my social security number. They had all my information in front of them, and with the claim number, I didnt suspect fraud. I provided Wells FarfoXXXX all the information and filed a police report the next morning with Deputy XXXX XXXX, case number XXXX. I uploaded screenshot photos of the fraud texts to XXXX and the police. I also provided the fraud info recipient, address and bank the same day, Friday, XX/XX/year>. The fraudsters name and recipient of the fraud wire is XXXX XXXX at XXXX XXXX XXXX in XXXX, NY, and the bank was XXXX. I have called Wells Fargo everyday since the fraud, and been given the run around, transferred to approximately 60 different representatives, only to receive snail mail yesterday that my case is denied, and closed. I will fight this. I want my money back. My husband had an accident the next day, needling emergency XXXX, and we have no income. Our accounts are wiped out. Weve opened new accounts at another bank with whatever little money we had left.
Consumer complaint received 2019-06-21
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. (CO)

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 )  bureaus to fix this issue. This negative reporting is harming my credit score.  Please remove this line item from my credit report.