davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

Due to not receiving my updated card, I reported it as lost. I was sent a new card with a new number. In both XXXX and XXXX, I received promotional balance transfer offers that were linked to my old card number. In the FAQs on the offer document, it states : " XXXX : If I recently had my card replaced because it was lost or stolen, can I still take advantage of the balance transfer offer? 
A : The balance transfer checks associated with a lost or stolen card are no longer valid and should be destroyed. However, you can still transfer a balance by calling the number on the back of your card or visiting XXXX XXXX I contacted Chase on XX/XX/2024 and was told by a supervisor that there was not a balance transfer offer, despite my calling about a promotion that I have received in the mail the prior week. Although the deadline had not passed, I was told that Chase frequently discontinues balance transfer offers without notifying the customer. I contacted Chase on XX/XX/2024 since I received another balance transfer offer that day in the mail. I was told that despite having the mailed offer in hand, there was no offer that they could see on their end and therefore they could not allow me to do a balance transfer.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (CA)

I took out a loan on XX/XX/XXXX for {$20000.00}, the payments are {$590.00} a month at a 28 % interest rate. As of today, I still owe {$19000.00}. Which would mean for my past 2 years of payments I have only paid off {$1300.00}, which makes no sense. I have told the lender on more than one occasion that I don't have a job and can not afford the car, I have asked them to come take it back and they won't do it. I have paid so much money into this car and I think it is only fair that I get to keep it. It is only worth under {$6000.00} and they are charging me 3 times that much. They keep adding fees such as an Access Fee To Account fee of anywhere from {$15.00} to {$29.00} every few days. These fees are not listed anywhere in the contract and no one can tell me what they are for. In XX/XX/XXXX my payoff balance was {$16000.00} and now it is {$19000.00}, I have been making payments as I can, although usually late but no where on here does it say I have late fees that would total that much. They refuse to refinance for me and I have asked about what happens if I file bankruptcy and they won't tell me and say that I can't do that or they will come take the car and I will have to pay the full amount. I feel like this interest rate is way too high and it was not told to me upfront when I bought the cat.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$680.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I've had an account with USAA Bank since the age of XXXX. I was recently going through a divorce and I had some issues with law enforcement in my area. And the end of XX/XX/XXXX I was XXXX  and with me went my banking information my wallet my phone and all my personal belongings. In order to bond out of jail I released my property and my property was to be taken to the bondsman. There is no permission for anybody to use my personal information nor should it had been assumed. My property was supposed to be released and given directly to a bondsman. Instead my personal information was taken by way of my cell phone my driver 's license my social security card my banking information. Several debits were taken out of my account money transfer Etc to tune of about {$1400.00}. I live on a very small social security check that's all I had. Upon being released on XX/XX/XXXX XXXX I immediately notified USAA and they did reverse the charges for a few days and then took it back. They claim that I was negligent. Well I think negligent is it's your fault. It is not my fault I was stolen from. That is the entire amount of money I had for an entire month. I went hungry. I show them proof that I was incarcerated and could not have been me I showed them where he signed my name to do a money transfer. I was met with ignorant people. I wouldn't wish this on them. Because I went hungry I went without power in my house. It was the most cruelest thing somebody could do. Due to my Banks reaction of me being negligent the sheriff 's department decided that they probably didn't have to pursue charges. How is it you are stolen from on Social Security XXXX wrongfully XXXX  and you can't do a XXXX thing you can't even get your money back. It is not your fault and you still can't do a XXXX thing. I would like to explain to me because I did not give him a debit card number I didn't give a PIN number I didn't give him permission it is in black and white that there was no permission. I enjoyed being USAA All Those Years and we're talkin 33 years for them to do that to me. I can't see how somebody could Forge your name and get away with it I guess he did but it doesn't matter you can help me with I sure would appreciate it. Thank you so much
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I am writing to file a formal complaint against XXXX XXXX XXXX/Flagstar for the unauthorized opening of an account and the unauthorized transfer of funds from my Discover account. 

Start Date of Incident : XX/XX/year> Accounts Involved : Discover and XXXX XXXX XXXXXXXX/Flagstar On XX/XX/year>, I was researching high-yield savings accounts ( HYSA ) to find a bank offering a better interest rate than my current Discover account. During this search, I came across XXXXXXXX XXXX XXXXXXXXFlagstar , which advertised an attractive interest rate. 

I began the account opening process with XXXXXXXX XXXX XXXX/Flagstar but did not complete or follow through with the final steps. Aware of the potential risks, I proactively contacted Discover on the same day to place a " Stop Payment '' on any potential withdrawals or transfers requested from XXXX XXXX XXXXFlagstar . 

Despite these precautions, on XX/XX/year>, all funds were removed from my Discover account and transferred to XXXX XXXX XXXXFlagstar without my authorization. 

Upon discovering the unauthorized transfer, I immediately contacted XXXX XXXX XXXXXXXXFlagstar . I had to endure a lengthy and frustrating process to gain access to an account for which I did not even have the account number. When I requested the return of my funds, I was informed that the funds were on a nine-day hold. 

As of today, XX/XX/year>, I have made four additional calls to XXXX XXXX XXXX/Flagstar , explaining the situation each time. The account should have never been opened, and I am now left with only {$13.00} until my next paycheck. This situation has left me unable to pay for my rent, food, or other essential needs. 

XXXXXXXX XXXX XXXXXXXXFlagstar has been unable to provide any evidence or documentation showing that I agreed to or signed for the account opening. This account should not have been opened, the transfer should have never taken place, and as a result, I am also losing out on over {$500.00} worth of interest that should have been generated if my funds had remained in my Discover account.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MD)

I made a large payment for almost {$27000.00}. and Discover refuses to acknowledge the receipt of the payment. The payment was made from XXXX ( XXXX XXXX  XXXX XXXX XXXX ) as part of a Home Equity Loan requirement. There was no way to pay the bill other than to send it via mail, so I sent it with careful tracking. The USPS show that the payment was received 2 days ago, but Discover says they have not received it yet. 

I believe fraud is occurring on the part of someone at Discover Credit Cards or that the company as a policy is not prompt in the application of payments by mail. I need Discover to immediately credit the amount to my account and refund all interest accrued during this time period.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I have had numerous contacts with Equifax over misinformation on my credit report. First problem is that they have a previous address located in XXXX, Nevada I am a XXXX Veteran of the United States XXXX XXXX and has never been stationed, visited, lived or resided in the state of Nevada or its city of XXXX. They have never fixed that for years. Currently claiming it was reported to them on XX/XX/year>. They keep claiming the reporting date. And this has been going on over a decade or more. I have given them proof every which way I could. I also sent them a copy of my Driver 's license and my social security card. And they still haven't corrected this information. They are also listing an account with XXXX XXXX XXXX XXXX That is over nine years old. 2 years past the 7 year limit in some states and 4 years passed the limit and other states. I applied for something recently. And they refused to give a report to the potential Grantor. As I said earlier I'm a XXXX veteran. And I'm trying to straighten out something with Equifax. That's been going on for decades. And it's really sad and it's no real reason for it other than it seems to be personal retaliationby Equifax concerning my justified request for corrections. And why is that I have no idea. It is in bad faith and affecting physically.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXXB ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 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 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
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (VA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICES I HAD SOME INQUIRIES THAT I DONT RECOGNIZE ON MY REPORT. PLEASE REMOVE THEM FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CT)

I took advantage of a 0 % balance transfer offer when I visited the website to check my balance which at the time was {$0.00}. I had other offers for 0 % interest but took advantage of this one. I was charged the regular rate 17.24 % on the initial balance transfer and the following statement. The customer service team has repeatedly ignored my requests for a resolution and I have since transferred the balance to another financial institution. I am requested that all finance charges be reversed and I will be closing this account.
Consumer complaint received 2024-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

In XX/XX/2024, I was prompted to recertify my income for which I did before the required deadline. As a result my payment increased from {$0.00} to {$65.00} through my recertification and transition to the SAVE plan. Subsequently, the Department of Education announced that those recertified before the deadline and had increased payment will be reverted to their old plan and lower payments until XX/XX/2024. I was placed in administrative forbearance since then where the months in forbearance would have counted towards PSLF eligibility.

However, given the challenges to PSLF in court, it seems my reversion from SAVE to PAYE is now in limbo given the legal challenges to SAVE and the freezing administrative plan changes. That being said, I am unfairly being caught in this situation as my request to revert to my old plans and lower payments predated the court challenges to SAVE and now I am being unduly burdened and delayed in my PSLF journey.
Consumer complaint received 2024-05-17
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. (FL)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (TX)

Experian Nearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to XXXX previously and now XXXX. When I look at my XXXX Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XX/XX/0620 XX/XX/XXXX was a dispute, closed XX/XX/XXXX stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NORTHWEST BANCSHARES INC ()

Savings Account at Northwest Bank, Acct. XXXX XXXXXXXX. Account closed. Northwest did issue a check XXXX XXXX XXXX XXXX XXXX XXXX. Amount {$3600.00}. Unfortunately, the check got returned. 

I have sent a request to have the check replaced, or perhaps they send me a draft. XXXX request XX/XX/2024, 2nd request XX/XX/2024. No response from the company. I need your help in this matter, they do have to send those funds to me.