davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by XXXX without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (MD)

I HAVE HAD TO CALL XXXX AND EQUIFAX MULTIPLE TIMES AND SIT ON HOLD FOR HOURS TRYING TO FOLLOW UP WITH THE REPSONSE TO MY COMPLAINT. EQUIFAX RESPONDED THAT AN ACCOUNT ( XXXX ) WAS NOT ON MY REPORT BUT AFTER VERIFYING IT WITH MYFICO, XXXX XXXX AND PAYING FOR OTHER MONITORING SITES, I WAS INFACT STILL ON MY REPORT. THE AGENTS AT EQUIFAX WERE ALSO ABLE TO SEE THE ACCOUNT AND ASSURED ME IT WOULD BE REMOVED BUT AS OF MY LAST CALL ON XX/XX/XXXX, I DO NOT SHOW AN UPDATE TO MY CREDIT REPORT. XXXX NEVER SENT REQUESTED TIME AND DATES OF WET SIGNATURES FOR FRAUDULENT ACCOUNTS ( XXXX, XXXX ) THAT ARE REPORTING TO MY FILE. THEY ALSO RESPONDED THAT THEY DELETD INQUIRIES AND THAT WAS ALSO FALSE ( XXXX XXXX XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX )
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and found several inaccuracies. I sent a dispute letter to e on XXXX. However, it has been over 35 days, and I have yet to receive a response. This delay is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681i ( a ) ( 1 ) ( A ), subject to subsections ( f ) and ( g ), when a consumer disputes the accuracy or completeness of any information in their credit file and notifies the credit reporting agency directly or through a reseller, the agency is required to conduct a reasonable investigation. The agency must determine whether the disputed information is inaccurate, update the status of the disputed information, or remove the item from the file. This must be done within 30 days of receiving the notice of dispute.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/year> I recieved a call from American Express Company to inform me that my account was under financial review and then they proceeded to ask questions about my annual income, place of work, tenure, and whether I own assets. I provided all the information they asked, but then they informed that my account was chosen by a system whose algorithm determined I needed to submmit proof of my income to reevaluate my credit limit spend. They requested my employeer 's two last payment records as well as a copy of the last two bank staments from the bank account I have been using to pay the credit card balance. I was not happy at all with the unexpected request and was even suspicious the call was a fraud attemp. After talking to a supervisor I was informed I had no choice, but other to provide the required information otherwise my account was going to be put on temporary hold, and that I have a deadline to submit the information. After the call, I logged into my account online, and in effect, American Express placed my account on temporary hold, which prevented me to use it at all. The worst was the fact that I had a number of autopay debit charges set up to pay for various bills and services that will be affected due to the temporary hold. That was extremely frustarting, and I called the customer service number which was redirecting my calls to the fiancial review department, so I have to explain my self a number of times to so many representatives that what they were doing was not ok and really affected me in a great deal. All the answers I got were the same, that I had no choice but submit the information requested, and then they would proceed with a determination. I felt I was under cohersion to proceed in a way It was not justified. I have been a customer for over 13 years and had never miss a payment. After several calls, I have to explain myseld to a number of people just to proceed with a cancellation of the service. When I requested a refund for the annual memembership fee that I paid a few months ago for services they just cancelled without any reason, previous advice or jsutification, the anwer was always to get me back to the finanacial team to pressure me to submit the bank and pay stubs receipts. I felt all that was so unjustiefied and unnecessary. I am determined to cancel the credit card account, but the American Express Company declined my request to get credit for the annual membership fee I had already pay for services I was denied for. For this reason I am requesting you can intercede on my behalf to avoid this type of cuatomer abuse happens to others. Thanks,
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

In XX/XX/XXXX, the servicer switched systems. Two payments were made to the student loan on XX/XX/XXXX which resulted in over payment of XXXX. I notified the servicer of the overpayment and was advised that a refund would take up to 90 days. I called back on XX/XX/XXXX because a refund had not yet been received. I escalated the call and was told they would issue a refund. The system shows a refund of the aforementioned amount was processed on XX/XX/XXXX. To date, a refund has not yet been received. I called today ( XX/XX/XXXX ) and was told it was processing in treasury and could take up to 90 days. I advised this was not acceptable as it has been over 90 days. I was supposed to be transferred to a conflict resolution specialisXXXX. I was out on hold for 8+ mins and got disconnected and got no call back.
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/year>, I commenced a reinvestigation through XXXX. The account came back updated within a relatively short period of time. The same day of XX/XX/year> in fact.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (CA)

On XX/XX/year>, I electronically submitted a request to remove adverse information from my credit report as the information is a result of my being a victim of human trafficking. I provided Equifax a signed self-attestation form, a letter containing the adverse information to be removed, and proof of identity. 

On XX/XX/year>, I received an email from Equifax requesting the same documents I'd previously submitted on XX/XX/year> in order to process my request. Within this email, I was asked to mail the documents to their office in XXXX. 
On the same day, XX/XX/year>, I received a letter from Equifax ( electronically ), stating that my request had been declined and that they'd attempted to resolve deficiencies within my submission by sending me XXXX notices prior to the decision. I did not and could not have received XXXX notices in such a short period ( within the day ). 

On XX/XX/year> at XXXX, I called Equifax and spoke with someone who claimed to be within the human trafficking unit of the bureau. I asked why my request had been declined. The representative stated that he could not tell me why the request had been declined and spoke to me quite dismissively. After the call, I decided to mail the documents to Equifax despite the decline of my request. 

As of XX/XX/year>, I have not received further communication from Equifax. 

I'm concerned that Equifax did not take my request seriously. Equifax did not block my adverse information within 5 days of receiving my request, nor did they allow me a reasonable amount of time to respond to their request to mail in the documents.
Consumer complaint received 2024-06-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I'm writing to address the concerning issue I've encountered with XXXX XXXX. Despite being a loyal customer with a solid payment history, I experienced a significant increase in my monthly policy premium in XXXX. Upon questioning my agent, about this sudden change, I was informed that my son 's use of the tow service had triggered an algorithm within XXXX, categorizing us as high-risk. This explanation came as a surprise to me, and when I expressed my dissatisfaction to XXXX XXXX, his response was dismissive and unprofessional. 

Feeling dejected by the lack of helpfulness by my agent, I attempted to transfer my policy to another agent for improved customer service, but I was met with resistance and told that such a transfer was not possible. As a result, I decided to seek out alternative insurance providers and ultimately initiated a new policy with XXXX XXXX XX/XX/year>. 

To my dismay, on XX/XX/XXXX, I received a message from a collection company demanding payment of {$600.00} for the auto policy and {$42.00} for renters ' insurance. After contacting the company at XXXX, I was informed that submitting proof of starting the new policy before the cancellation date might provide a resolution. I promptly provided the necessary documents, only to learn on XX/XX/XXXX that XXXX had rejected them, and I was still being held liable for the charges. The threat of having the purported debt added to my credit report if I continued to dispute the issue is both distressing and unacceptable. 

I strongly believe that I do not owe the aforementioned amounts. It appears that these charges are unjust and XXXX be punitive due to my decision to switch to a different insurance provider. I would greatly appreciate your assistance in resolving this matter promptly. 

Thanks
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I've had my Chime Checking account for years now with direct deposit from my former employer. I just changed jobs and set up the new direct deposit with my new employer. However, my bank refused to offer real time verification to XXXX, so my first check was issued as a paper check. I thought that a paper check for the first check was a thing of the past in the first place? Since Chime is 100 % online, my only choice was to do a mobile check deposit of my paper check. So far, no big deal, just a hassle, but now here comes the unacceptable part! They tell me they are placing a hold on my check for an entire week, XXXX business days! This is a business check through ADP! It's NOT going to bounce! It's not out of state or anything and it's from my new employer! I haven't been paid in almost a month now and I am penniless! I need my money now! I have child support to pay! I chatted with them through their app and they said it would be resolved over the weekend, which was an outright lie! So Monday came and went and I had them call me this time and even spoke to a supervisor. They had absolutely NO compassion and NO flexibility in their rules. It was like talking to a brick wall. Maybe I'm more demanding than most, but I think it is absolutely unacceptable in this day and age to have to wait XXXX business days to clear an in state paycheck from an employer who I am setting up direct deposit with!
Consumer complaint received 2024-06-21
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: U.S. BANCORP (MI)

I had filed multiple disputes with XXXX XXXX XXXX XXXX XXXX for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX respond by sending me a letter stating that they verified that this account belongs to me- XXXX XXXX XXXX XXXX  own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX XXXX  act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether XXXX XXXX XXXX CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want XXXX XXXX XXXX to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

This one its a credit card for medical / dental use at doctors or dentist offices. Back in XXXX of XXXX my dentist applied for me to pay off my balances. I got approved and the secretary at the dentist office said you are approved for {$1300.00}. and you get six months interest free but you have pay off the balance in six months. So I agreed to that. So I got my credit card in mail and I signed up for on line statements only and no paper statements. I was making my payments. On XXXX, XXXX, XXXX I called the credit card company to get my balance and list a large payment. They said that they charged me an interest fee of {$170.00}. for Deferred interest! I argued with them and tried to resolve it but no success.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One solicited me for a SavorOne credit card based on my credit history, with 0 % APR on purchases for the XXXX 15 months and 0 % APR on balance transfers for the 1st 15 months. I accepted their offer and card was mailed out to me. upon receipt, in setting up my online account via their Capital One app I found that they did not honor their 0 % APR in balance transfers. they listed 29.99 % APR on my account. numerous phone calls, discussions with their balance transfer " team '' - beginning with my 1st call/complaint on XX/XX/XXXX - Capital One/SavorOne have not reversed the 29.99 % APR on my account. I offered to scan to them what I received IN WRITING from Capital One/Savor One when my account was approved and credit card mailed out to me ( which plainly states my account has both 0 % APR for both purchases and balance transfers ).
Consumer complaint received 2024-06-11
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Shellpoint Partners, LLC (FL)

I have been paying Newrez LLC, {$470.00} in monthly escrow for taxes and Insurance. From XX/XX/XXXX - XX/XX/XXXX, I paid in full the homeowners insurance policy for the whole year {$1600.00}. This payment was never paid from ecsrow and I never received any adjustments. I wanted the surplus owed from Newrez not paying the homeowners insurance to just be applied to the principle of the mortgage. I contacted Newrez LLC and they couldn't give me a straight answer. I will forward their response email.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I send money from my HSBC account in the USA to my XXXX account to transfer a tax treaty refund from the IRS to XXXX  for the year XXXX. I used the same method several times a year for another transaction, and it worked. On XX/XX/XXXX, I sent by the same setup XXXX XXXX Even though the exchange rate was unfavorable, I decided to use the HSBC service for safety and urgency. On XX/XX/XXXX, I received back XXXX $ with the explanation that the transaction was canceled. I sent XXXX $ immediately on the same day as I assumed there were issues with the amount, not the method as it worked before ; I still have no information regarding this transaction, but I assume it will happen. I was shocked to lose almost {$500.00} $ and started an investigation with XXXX banks and HSBC. The HSBC customer representative said there are no issues on their side as they convert money to XXXX and send it to the XXXX site. XXXX bank replied that they received XXXX for the transactions, and the branch number was not provided in the transaction details ; they returned the same amount of money to HSBC. HSBC bank converted received funds into USD on their internal rate, and I lost XXXX XXXX I discovered a fault in the HSBC mobile app, which was created intentionally or by a glitch that changed/removed the branch number. HSBC does not admit its fault and is not looking to reimburse losses created by its mobile app and change the rate.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

PNC has suspended my access to my bank statements. As a result, I can not identify the considerable and unwarranted bank charges levied on my account by PNC. These charges levied by PNC are directly responsible for negative balances.
Consumer complaint received 2024-09-12
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. (DC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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