davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX XXXX in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

In XX/XX/XXXX I was a victim of fraud to my Navy Federal Checking Account in the amount of around {$970.00} ( I don't have the exact amount in front of me ). The fraudulent charges were made at a XXXX in XXXX, XXXX. I reside in XXXX  and have never been to XXXX, XXXX. Furthermore, I was in XXXX at the time and my transaction history confirms that I was out of the country at the time. I had my bank card in my possession at the time in XXXX and have never authorized any use of any other person. 
Unfortunately, despite appealing 3 times Navy Federal has determined no fraud could be found despite my even sending them confirmation of my physical GPS location of being in XXXX and my transaction history, XXXX and flight records. 
This has led to an avalanche of financial issues including over draft fees. I have never had an opportunity to discuss how they came to this decision or advised what information that could be provided that would be favorable. 
I was granted special approval to appeal this week XX/XX/XXXX, however was again denied to have my funds restored. I don't understand how this is not fraud considering even the transaction history of the fraud which was multiple charges of {$100.00} or less in rapid succession adding up to the $ XXXX amount.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (TN)

the law clearly states in 15usc1692cc that ... ..Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-04-22
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

This is the letter i wrote to toyota financial and their customer service said this was the only way to get response and she promised within 30 days. It has been over 60 days still no response and they have put false information on credit report without informing me. The letter contains all the details below Subject : Urgent Complaint Regarding Unfair Charge-Off on Credit Report Dear Toyota Financial Services , Full name : XXXX XXXX Account number : XXXX Vin number : XXXX Year, Make, Model : XXXX XXXX XXXX XXXX XXXX XXXX  other other ) Cell : XXXX Email : XXXX My name is XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent issue with my account that has significantly impacted my credit standing. 
I had a total loss incident with my vehicle covered by your gap services, and I promptly initiated a claim. Throughout the process, I contacted Toyota Financial Services multiple times to inquire about the status of the gap claim. Unfortunately, I was informed that the initial check was lost, and a new one would be reissued. 
Despite my repeated attempts to get updates, the gap claim took an unreasonably long period of 4-5 months to be processed. To my surprise, I later discovered that the gap coverage did not fully address the outstanding balance, leaving me with an unforeseen {$5000.00} owed. 
What adds to my frustration is the lack of communication regarding this outstanding amount. Despite making approximately 10 calls to your customer service, I received assurances that the matter was still processing, with no mention of the outstanding balance. I was promised a call to notify me when the processing was complete, but regrettably, that call never came. 
To my utmost dismay, I recently discovered that Toyota Financial Services has reported this as a charge-off on my credit report without any prior communication or notice. This not only adversely affects my credit score but also puts me in an unjust and challenging situation. 
I am seeking immediate resolution and request a thorough investigation into this matter. I insist on the removal of the wrongful charge-off from my credit report, as it was a result of a lack of communication and mismanagement on Toyota Financial Services ' part. I believe in fair and transparent financial practices and trust that this issue can be resolved promptly. 
I appreciate your urgent attention to this matter and look forward to a swift resolution. Please give me a call or email me at earliest convenience so we can resolve this matter. 
Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2024-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on XX/XX/XXXX, I disputed an unauthorized charge through Bank of America credit card online service, instead of taking action immediately every time I called, they were misleading me on the matter and until XX/XX/XXXX the amount finally disputed but after a week, they took the credit amount back because of statement doesn't reflect what is happening. It is all because Bank of America fraud Department still don't know which account they have to look and investigate.
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

I made a purchase on XX/XX/XXXX for {$110.00}. I have made payments. I am not disputing that some payments have been late. I'm disputing that I've been charged {$350.00} in fees since that purchase. With the payments I've made, I've actually paid {$390.00} since the date of this purchase in fees. This is exorbitant and unfair business practices. If I had that kind of money, I wouldn't need the card in the first place. I was able to get XXXX fees waived on XX/XX/XXXX totaling {$82.00}.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NJ)

I have a Chime account and debit card, there were two unauthorized charges from XXXX that I did not make because I do not have an XXXX account. I reached out to XXXX and was able to get the help I needed they reached back out to me telling me that the account in charge in question or fraudulent charges And that they advised me to contact my bank to dispute the charges, I screenshot that email and sent it to Chime as proof that the charge and the XXXX account were both fraudulent so that they could give me my money back or at least give me a credit until they finish investigating. They responded telling me that it would take them till XX/XX/22 to finish investigating they have denied my dispute XXXX times already even though it is clear that that charge was unauthorized! I have XXXX children I am XXXXXXXX XXXX XXXX  and I have no food to put in my house because my money was stolen and chime will not give it back {$330.00}
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We received a loan modification back in XX/XX/2011, we had a 90 day trial and it was official. If we paid our mortgage on time we would receive {$1000.00} off our principal mortgage every year for 5 years and at the end would get {$5000.00} off the principal mortgage. We had this agreement with XXXX who sold our mortgage to Nationstar Mortgage Company 3 or so years into it. Nationstar and XXXX both assured us that we would not have a change of any kind. We continued to receive the {$1000.00} credit every year. We continued to pay on time. Yesterday I was informed that we were not getting our {$5000.00} credit because Nationstar claims they did n't receive my " Real Estate Fraud Certification ''. We not only sent this form 3 times by regular mail, we finally were granted permission to email this form. Prior to the due date ( which in not on the form they mailed to us ) we were told we could only send it regular mail. Every year when we received this incentive, we did n't need to fill out Fraud Certificaton paperwork. However, we did fill it out several times and yesterday I was told that the research Dept decided we could n't get the credit to our mortgage. I asked the representative to please allow me to speak to a representative in that Dept. and I was told they are in a back room and I ca n't speak to anyone from that Dept. They do n't have phones, instead I must email them. I then spoke to ( Supervisor XXXX ID # XXXX ) who assured me she would fix this problem, yesterday she called to say we would not receive the credit. We have worked very hard to maintain our end by paying on time consistently and feel we are entitled to this incentive.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

XXXX XXXX. I paid my total amount owed to Synchrony Bank. My XXXX XXXX. Then I received a bill for {$65.00} and charge. I called to ask how I owed them money when I paid my balance in full. They told me it was interest. I spoke with a manager about it. Its not fair to change interest after balance is paid in full. Then I was told Ill have additional interest to pay even after I pay what they told me I owed. She could not tell me how much nor would they let me pay above what was due to cover any potential interest. They want to charge me to send me a statement. How can they perpetually charge me interest like this?
Consumer complaint received 2024-04-21
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: SYNCHRONY FINANCIAL (PA)

I have gotten an email from Paypal credit card through synchrony bank that I thought was spam for the amount of XXXX which I never used or authorized. I didn't even think I had a paypal credit card. When I went to look at my credit report it is also showing this information, but I never bought this or even realized I had a paypal credit card. Now it's effecting my credit and apparently I owe this money I didn't spend?
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Ive recently sent in letters to ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. They still are continuing to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only and and current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX My Date of Birth : XXXX  Last 4 of Security Number : SS # : XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2024-08-29
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. (FL)

Account XXXX XXXX XXXX XXXXXXXX Account - XXXXXXXX XXXX XXXX # XXXX XXXX Both accounts are not mine and was fraudulently opened without my permission Please assist with removing from Credit Report
Consumer complaint received 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NJ)

my domestic partner and i got XXXX he was XXXX i was XXXX  around XXXX, i was accessed a late fee, ive never been late with them ever, always paid within grace period, the wavier was granted BUT, they sent CASH to my checking account via XXXX, for said wavier instead of applying it to my account which made us 20 days late according to their website, it also made it impossible to split my payment into installments of bi monthly payments which is how i have been basically paying off this loan from upstart.com then after going back and forth with the creditor/lender they basically said this conversation is over we will not respond to you any further. i asked them NUMEROUS times why would you send ME money of XXXX $ for accessed late fee, their lie was that i PAID the XXXX $ and they reimbursed me which was a lie, i paid on XX/XX/XXXX the XXXX $ BACK to upstart. they are CLAIMING that i paid before they sent it, which was false. i paid on XX/XX/XXXX because that was when i noticed i had money sitting in my XXXX XXXX XXXXXXXX checking ending in XXXX from upstart. they're making it harder for me to pay split payments and currently it appears as i no longer may have a grace period. its frustrating and i feel as if it is predatory.
Consumer complaint received 2023-02-17
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (TX)

I accepted a short term offer around XXXX to use my existing Visa card, with a balance of only XXXX dollars, up through XXXX time with no interest charges for six months. I charged XXXX during the period. Then I made quadruple the minimum monthly payment until I paid the balance off last month. They did n't charge me interest labeled as interest per se : they charged me a {$1.00} FEE per month labeled " minimum interest charge ''. In my dictionary " no interest '' means no fees, by any name, for the use of money.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TX)

On XX/XX/year> I received an e-mail from credit karma informing that my account had been locked as a safety measure. I then received another e-mail requesting to confirm my identity. At XXXX XXXX  on XX/XX/year>, I sent the information they had requested. Today is XX/XX/year>, I have made several calls and sent several E-mails requesting they unfreeze my account. The help center said that the department that handles the unfreeze only operates by email and that they would send one for me as well. I have made several emails myself. NO RESPONSE. 

This is a company that says they are designed to help build your credit score. I question how not being able to pay for anything with my personal money helps my credit. I DID NOT receive a request for the information before they froze my account. I responded the same day as they sent the request after freezing my account with the information they requested. Over 48 hrs later I have not been unfrozen. I had transfered {$1000.00} into the account to pay for a bill. I have also set up direct deposit into this account. 


Reference # XXXX
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Last XXXX my mom used my capital one venture card referral link to open a card since I would get a {$500.00} referral bonus. On their referral fine prints, it reads that it takes up to 8 weeks for a referral bonus to hit my account. Ive contacted capital one several times since its been past the 8 weeks and they just give me the run around and tell me theres nothing they can do.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

for the last two years I have been trying to get things removed no one is really looking at my report I how can one credit reporting company saying my debt is positive but others saying the same debt is negative how can an account be reporting negative but no balance due and pay as agreed. I have another account I paid the company in order to close the account and I don't owe this business anything and it's still being reported as a bad debt no one has ever followed up I have a collection when I asked for information from the original creditor, they failed to send that to me, and the signature did not look like mine
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

CHIME WHEN MAKING TRANSFERS WITHIN MY OWN ACCOUNT SHOWS {$8600.00} DEPOSITED {$300.00} PURCHASES {$2200.00} ATM WITHDRAWS ( FRAUDULENT AND DISPUTE DENIED ) {$5500.00} AJUSTMENTS ( I CANT GET AN EXPLINATION FOR ) ALL FOR XX/XX/2023. From XXXX TILL TODAY. MONEY IS DISAPPEARING.