davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IN)

In XXXX, XXXX we received a notification from the Department of Education that our loans had been discharged as part of the national action against XXXX XXXX XXXX. Eight months later in a letter dated XX/XX/XXXX we received a letter from XXXX ( the company servicing our loan ) that confirmed the loans had been discharged and a refund would be processed. 

After three months of no further information and our account carrying a credit in excess of {$70000.00}, we contacted XXXX by phone to inquire about our refunds status. In talking to their representative, we were told we were due a refund ( we had no other outstanding loans ) and she did not indicate that any work toward that refund had been done during the preceding three months. She assured me she would begin the process and we would receive an email in 24-48 hours with information. Waiting a week and hearing nothing, I called XXXX again and, upon sharing my identifying information with the automatic answering system, the system informed me that, " the account was under review and no action was required at this time '' and the system promptly disconnected our call. Since we were unable to reach a representative by phone, I sent them an email through the XXXX contact system and received and automated response that it had been received and a further email would address my specific concerns. Having receive no further email, I sent a subsequent email a week later and received the same automated generic reply. 

Today, XX/XX/XXXX have still not received any further communication from XXXX, I make another phone call to the company. By refusing to give identifying information to the automated system I successfully was connected to a representative. The XXXX representative affirmed that a refund was indeed due but that it take up to seven months to process. I inquired at what date the seven month countdown began and was told that it was the date the loan was discharged. Since we had received notice in XXXX, XXXX ( eleven months ago ) that the loan had been discharged, I explained to the representative it seems we are well past the seven month schedule. The representative checked their records and said that they had the discharge as XXXX. XXXX, XXXX and I was incredulous as we had already received a letter from XXXX dated XX/XX/XXXX informing of the discharge. This means they either notified us six days prior to knowing of the discharge ( and I find this hard to believe ), or someone is fabricating the dates. Frankly, I find it had to believe that it took eight months from the time we received notification from the Department of Education that our loans had been discharged for the XXXX loan servicer to receive the same notification. 

At this point, Aidvantage still has our money. I am certain they have invested it ( as well as countless refunds owed to other borrowers ) and are making a tidy income. We just want the money owed in a timely fashion and have already waited a year.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express closed my XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2023. American Express continues to hold {$770.00} of my money. American Express has made no attempt to refund the outstanding balance and holds my money without crediting any interest.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist has an app called the XXXX XXXX that they advertise that you have to link a Truist Account to. Supposedly, by signing up for the XXXX XXXX you can be entered into a weekly drawing to win $ XXXX called XXXX XXXX. I googled XXXX XXXX and the only thing that comes up is the Truist XXXX XXXX- i don't think this weekly drawing for a XXXX dollars actually exists. I think this is a clear UDAAP violation for deceptive practices. I think they are doing research into XXXX 's and created a bunch of fake websites such as XXXX which has a fake conference called the XXXX XXXX XXXX ( XXXX ) to hype up this fake game. It's weird but it all appears to be fake. Please look into this CFPB! Thank you.
Consumer complaint received 2024-03-14
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. (MO)

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. 

has violated my rights. Or a list of inquiries : 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Khols opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXXt XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-23
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 (PA)

I have been disputing a fraud charge with Bank of America since XX/XX/2023 ; the claim has been denied twice. Attached you will find a timeline of actions taken and supporting documentation. Sadly, I know exactly what I was doing the day of the fraud charge. My family experienced a death by XXXX at approximately XXXX XXXX on XX/XX/2023 ( the day of the fraud charge ). I made phone calls to family members, ordered food, made a delivery of food to the parents of the XXXX victim, and spent most of the day at their home. I can provide witnesses that will attest to these facts and my phone records will show the calls I made that day. I appreciate any help you can provide in disputing this fraud charge. Thank you!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and XXXX Payments are reported as late on Transunion, XXXX, And XXXX, although a double payment was made in XXXX to XXXXXXXX XXXX  XXXX number XXXX Account XXXX
Consumer complaint received 2023-11-13
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. (KY)

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I sent a copy of my drivers license, social security card and my light bill. And they Wont change it to my correct name and address. They are violating my rights 15 U.S.C. 1681i and 15 U.S.C. 1681e. I tried dispute online and mail and no positive result.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NV)

My name is XXXX XXXX, I am writing this complaint because of my Navy Federal credit card termination. I have been banking with Navy federal since XXXX and Ive had credit cards with them since XXXX. However, I recently found out my {$25000.00} XXXX credit card with Navy federal was closed with a {$69.00} balance on it. Ive had that XXXX credit card since XXXX of XXXX, so 4 years now. In those 4 years I have never missed a payment on that card or any other Navy federal cards. I was not aware they would be closing the card as I was completely caught off guard. I have worked 6 years to get to that $ XXXX limit and for it to be taken away when it has a balance of {$69.00} was even more shocking to me. All of my accounts with them are in good standings. I worked very hard to achieve that high of a limit & it gets taken away like that is devastating to my credit report & my current and future finances. Having a {$25000.00} limit and only a {$69.00} balance shows I can handle a high limit like that. I pride myself on always being able to make my payments on time & keeping a great relationship with any institution I bank with. Ultimately, I hope I can get this resolved and I can get my card reinstated because I know it will be mutually beneficial for me & Navy Federal. 
Thank you.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

This is now the 2nd month in a row that GM has not cashed my payment on time. I mailed my payment 2 weeks early - knowing that this company is just awful at cashing checks in time. They are trying to force people to pay online.This is my 3rd complaint, now they are just being spiteful.
Consumer complaint received 2017-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: SpeedyCash, Inc. (GA)

XX/XX/XXXX , my l oan was brought fr om   XXXX   XXXX   XXXX   XXXX   by Lending Bea  r. I  was told that I would have 45 days to make a payment, by 30 days later they started taking money out of my account and than they just stopped. A couple months after that my car broke down and they repossed my car and started callin g me in  XX/XX/XXXX    saying that I owe {$3000.00} and that they were trying to contact me but I never received anything in the mail and tha t was the last time I received a phone call from them.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account 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 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 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A {$4500.00} counterfeit check was deposited at a Bank Of America California branch into my account, they had mistakenly credited my account and I have used the credited funds accordingly as it was a payment, the funds were withdrawn from my account after BOA realized this check was counterfeit, I had made every attempt possible to gather as much information as I can possibly can in order to better assist them on their investigation, today XX/XX/2023 almost 90 business days since the date I originally filed my claim which was XX/XX/2023 I received a letter from BOA stating that I did not suffer any loss
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (CA)

I got a copy of my credit report and I have inquires that I didnt not request on my report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX ( XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (SC)

XX/XX/XXXX XXXX {$20000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Fraudulent charges on my account that Huntington has gave two different responses on. First it was the card chip and card cant be duplicated. Now they are telling me the charges were online. There are multiple charges that are in different states in in the state of Michigan on the same day. The charges were definitely not online charges. The amount is over {$6000.00}. Huntington has not been helpful with helping resolve this problem.
Consumer complaint received 2024-03-14
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. (TN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

When applying for Delta American Express Gold credit card was supposed to receive a {$300.00} credit towards purchasing a XXXX airline ticket and XXXXXXXX sky miles. I was approved for the card. 

XXXX and American express are now refusing to give me the {$300.00} credit and XXXX sky miles. They claim I agreed to a different promotion that I never heard of, one that gives an unknown number of sky miles after purchasing an unknown airline ticket amounts.

See attached file containing 6 documents. 1. Complaint ; 2. Screen print of promotional ad on XXXX XXXX website ; 3. American Express Approval email ; 4. Email sent to XXXX XXXX, XXXX American Express dated XX/XX/2023 ; 5. Email response from XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Capital One Opened XX/XX/XXXX closed XX/XX/XXXX Capital One opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
Consumer complaint received 2023-10-23
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. (MO)

Please remove hard inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.