davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (TX)

This account was charged off on the following date XXXX XXXX. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first 30-day pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : ( XXXX XXXX : ) XXXX
Consumer complaint received 2024-08-14
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. (IA)

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.

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 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 ) ( 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 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a credit card " XXXX XXXX XXXX XXXX '' at the financial institution " Synchrony Bank ''. 
On recent statements for this account, I noticed fees for " CARD SECURITY '', which after some research seem to be related to a " Payment Security Program '' that I do not need and that I did not sign up for. 
I was able to cancel the service, but I would like all historical fees related to the " Payment Security Program '' to be reversed. I also believe that such automatic insurance enrollments are a disservice to customers and should not be allowed.
Consumer complaint received 2024-04-27
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. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-01
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. (NJ)

Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with lending club during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!
Consumer complaint received 2024-06-24
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: CITIBANK, N.A. (AZ)

I booked a reservation with XXXX. As I approached the destination, I was nearly attacked by people in the neighborhood. I drove to a safer area and reported the incident to XXXX, prior to my check-in time. I told XXXX that I was not going back to the area of the reservation, that I expected a full refund ( not being charged any amount given the circumstances ). The next day, I also provided proof to XXXX that the host messaged me details which indicated that the listing was inaccurate. XXXX took three days to refund me, and they kept 3 nights of my original reservation payment, despite that I never officially checked in and spent those 3 nights in my vehicle. I was charged for services that I did not receive. I filed a dispute with Citi on XXXX XXXX given how XXXX was sluggish to simply refund me. After initiating this dispute, I spent almost XXXX hours across 5 months fighting for the refund I was rightfully owed. I provided them various proof of all that happened -- messages from the merchant 's platform, proof that the listing was inaccurate, and phone call logs of all of my attempts to resolve the situation. Citi was quick on several occasions to send me a " canned '' response, and there were absolute indications that Citi did not exercise due diligence to protect me as a consumer, for a situation where my life was endangered. During one of my last attempts to address the dispute with Citi, a manager in the credit card department had the gall to debate with me about my dispute. I am certain that if the appropriate governing entity were to audit the investigation Citi performed, they would find obvious evidence that Citi failed to follow protocols to protect me under credit laws. This credit card has been open for at least 8 years, and I have spent hundreds of thousands on this card as my primary method of payment. I would close the credit card, but that would have a negative impact on my credit score. I will barely use this credit card going forward, since I can not rely on Citi to follow basic protocols that other credit card issuers follow to protect consumers. I already closed my Citi savings account.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

Equifax has refused to provide my credit report until I give them my drivers license. I do not have a hold or freeze on my credit report. I do not have anything on my credit report that would not authorize an inquiry. However, Equifax has done this on their own. This is not in an attempt to help me or to protect me from fraud. This is their attempt to force me to provide them with my drivers license. I emailed them my drivers license years ago. They do not have the right to this much personal data. I want a real human being to contact me from CFPB? I want an investigation launched into Equifax? I dont want just an emailed response to and from the company. What theyre doing has to be illegal. When I told them they were being recorded they ended the call. They didnt want to be recorded violating the law. They told me that Ive been warned about recording them. They do not have the authority to block creditors from reviewing my credit report.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

nd it stated it was temporarily unavailable. I received a text from my bank, wells fargo, asking me to verify the transaction. I hit yes. No money was received because the atm had already denied it It told me I could try again. It denied it a second time. On the third time it let me access the money, however, the other two times were posted to my account and withdrawn. I called wells fargo immediately and filed a complaint. The complaint was filed incorrectly as " charged twice '' on the card. The claim was closed ( no notification to me. When I called to check this, I was told the claim had been filed incorrectly and he would open a new claim for the same thing and word it differently because wells fargo had blocked the transactions and the money was not received twice before I confirmed they were legitimate, yet still debited from my account. He did this on XX/XX/XXXX. This was pertaining to the claim that had already been filed and is not a new claim. 
On XX/XX/XXXX I used the same atm again on vacation and the same thing happened. It stated my withdrawal limit had been reached and no money was dispensed, however I was charge XXXX and so I filed a second claim related to these atms after it posted on the XXXX. I will not be using any atms at this resort again. Again the claim is incorrect as it states " charged twice '' Today I received a call stating my account was being closed and my debit card revoked and was told I had XXXX claims with false statements. None of this is correct. I have been a customer for over 30 years. I have made over {$300000.00} worth of deposits in my account this year alone and have brought my husband on to my account. I have an excellent credit score and because their employees filed claims incorrectly I have been flagged as a risk and told my account will be closed in XXXX days. I was not offered to open a new account or a new card. I should be able to use atms and my debit card whenever I choose as long as my daily limit is not exceeded.
Consumer complaint received 2024-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Reply to WF COMPLAINT ID XXXX XXXX, please review the recorded Agreement ( of XXXX ) between Well Fargo Bank NA and me, copy attached. I have requested may times for you to how me where my agreement does not refer to a granted 10-day grace period. If you are allowed to not grant this 10-day grace period to me then why is it written in my Agreement. I make my payments each month, do not skip a payment or make my payment late ; however, my monthly statements keep asking me to make two payments and is showing that I have not made the current payment. Also, you keep referring to my statement as to how you are determining the process of each monthly payment and deciding to send out the monthly statement five days after the due date instead of on the eleventh day after the due date, so the 10-day grace period reflects as it has been granted on the statement. You should not refer to my statement as your guidelines for processing my payment, you should be referring to my Agreement only! The statement is not an agreement! Please explain! Also, stop wasting your money on sending me hundreds of copies of my history of payments statements as you are totaling wasting your time and money.
Consumer complaint received 2024-06-25
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: Bread Financial Holdings, Inc. (NY)

I dispute the inaccurate reporting of my Comenity Bank/Express account XXXX Inconsistencies : Charge Off/Pays As Agreed, missing purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. Comenity Bank and XXXX are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried numerous times to access a credit freeze on the TransUnion website. Nothing worked, the site kept crashing or giving me errors. I attempted to call them XXXX times and at various levels of verification or simply in the middle of the call it would disconnect. XXXX and XXXX had no issues and was able to apply a credit freeze. However TransUnion is the weak link and should be shutdown since we are unable to protect our information when there is a data breach.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (RI)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

Dear Sir/Madam, NAVY FEDERAL CREDIT UNION is . XXXX XXXX : I am writing to file a formal complaint against NAVY FEDERAL CREDIT Union regarding their failure to return coupon remittance securities to me after these payments were not applied to my account. The details of the complaint are as follows : **Account Information : ** - Account Number : XXXX **Details of the Complaint : ** XXXX. **Failure to Apply Payments : ** On multiple occasions, I submitted payments to NAVY FEDERAL CREDIT UNION through coupon remittances securities. These payments were intended to be credited to my account to satisfy the outstanding balances.

2. **Non-Return of Securities : ** Despite these payments not being applied to my account as intended, NAVY FEDERAL CREDIT Union has failed to return the coupon remittance securities to me.. These securities represent my financial assets, and their retention by NAVY FEDERAL CREDIT Union without proper application or return constitutes a failure in fiduciary duty, and may involve the unauthorized diversion of securities, which undermines investor confidence and violates securities regulations. This is Theft and Fraud.

3. **Lack of Resolution : ** I have made several attempts to resolve this issue directly with NAVY FEDERAL CREDIT UNION including contacting customer service and submitting written complaints. However, NAVY FEDERAL CREDIT UNION has neither returned the coupon remittance securities nor provided a satisfactory explanation for their actions.

**Relief Sought : ** I seek the following relief from the Securities and Exchange Commission : 1. An immediate investigation into NAVY FEDERAL CREDIT Union handling of coupon remittance securities and the failure to return them to me.

2. An order compelling NAVY FEDERAL CREDIT Union to apply the payments to my account or return the coupon remittance securities to me promptly.

3. Appropriate sanctions or penalties against NAVY FEDERAL CREDIT Union for any violations of securities laws or regulations that may have occurred. 
XXXX. Assurance that NAVY FEDERAL CREDIT Union implements proper procedures to prevent similar issues in the future.
Consumer complaint received 2024-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I was scammed in XXXX and my Capital One credit card was charged at an establishment called XXXX, XXXX ( all XXXX reviews for said establishment indicate that they were robbed by owners ). The total price was {$5.00} and then I saw {$100.00} was charged on my card. I went to the bathroom and noticed that my card was not in my possession and was stolen from me when I got up. We confronted the business owners and they threatened us and a physical altercation ensued. I was able to get my card and ran for fear of safety. I did not authorize more than {$5.00} to be used at this business as they stole and charged my account without my consent. 

On XX/XX/XXXX I alerted Capital One and completed all their forms and the company denied me for no reason.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

Credence Resource Management , LLC is trying to collect a debt on XXXX 's behalf for equipment that was returned years ago. Credence info : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are trying to collect money for XXXX equipment that was returned to XXXX. I don't have dates or receipts because it was years ago, why would I? The amount is for {$140.00}. I have talked to XXXX multiple times about this and they keep saying I need to prove I returned the equipment, but how can I possibly do that? I dropped it off at XXXX years ago and they packaged it up and sent it to XXXX. I have heard of XXXX doing this to other customers and have it had it happen to friends. This is no different than ransom ware. Demanding payment for something that happened years ago or they will send you to collections? Pay us or we'll ruin your credit score? This practice should be illegal.
Consumer complaint received 2024-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Credit card : Capital one We had booked XXXX tents in XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX. 
We stayed there from XX/XX/XXXX, to XX/XX/XXXX. 
XXXX XXXX charges were {$2300.00} XXXX XXXX charges were {$3200.00} I am getting charged XXXX times this amount. 
XXXX time on XX/XX/XXXX and second time on XX/XX/XXXX. 
Charges on XX/XX/XXXX is not authorized as we did not stay second time. 

I had filed the dispute with Capital one and called them XXXX times. I provided them all the documents they requested. 
I also contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. They said that they have only charged XXXX time and they did not receive second payment from credit card. 
I have an email from XXXX XXXXXXXX XXXX  confirming this. 
I also shared this email with Capital one credit card but they are refusing to refund me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

XXXX  charged my account on XX/XX/2023. The first amount was {$47.00} and the second was {$26.00}. Neither one of these was solved and refunded. Both unauthorized transactions
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NV)

I was approved for Borrower Defense and my Federal Loans have been forgiven. XXXX XXXX XXXX was a for profit Institute. Known for predatory lending.

I had loans with XXXX that turned into Sallie Mae.

They refuse to give a lower payment and I've paid {$350.00} for a long time. I'm a single mom. This is going to pull my credit down as well...

They are calling me EVERYDAY but offer NO SOLUTION. Other than acting like they have one. 

These loans should be canceled since the school was a fraud and is no longer open here in XXXX XXXX. 

I don't understand how these can still be in service anyway. Seeing as XXXX XXXX XXXX were a scam... I only owe {$14000.00}. 

Not even sure what happened with XXXX. They have switched around...