davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Several years ago, I was XXXX  with an undisclosed illness. I was taken for a rode from XXXX to XXXX regarding this illness and had been charged many XXXX fees. I think some friends and associates of mine stole my credit card while I was traveling. There were so many charges at XXXX and things and I believe the charges were fraudulent. I am am authorized user of this card which is under another name. 
I have already asked for XXXX XXXX to Step In and assist. XXXX XXXX. I have asked why in the world do I have a Credit card balance. Remember my Navy Federal account was to be used for the transaction involving the XXXXXXXX XXXX? 
I don't understand why the fraudulent charges are still there and why there is a balance on the NavyFederal Card Anyway. 
Please may someone assist
Consumer complaint received 2023-07-13
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

XXXX XX/XX/23 : Reached out to XXXX from this website : XXXX XXXX XXXX XXXX To try to change my reservation asap. Company also calls themselves " XXXX XXXX  ''. They claim on their website that " You can easily talk to someone at XXXX by simply dialing the XXXX XXXX phone number XXXX ( toll-free ) ''. But that is not XXXX airlines actual phone number. Their information on the website is misleading. 

I paid {$690.00} through a link they sent me via email. 

XX/XX/23 : XXXX answered and told me that the reservation had been confirmed and will take up to 24 hours, but it still didnt come even after 24 hours. 

XX/XX/23 : XXXX XXXX, Tickets has been changed and issued please check on the XXXX XXXX as well as on the website and we have shared the details via Text message as well. 

XX/XX/23 @ XXXX XXXX  : Never got the new reservation via text, app, or website. So I decided to wait a little bit more. 

XX/XX/23 @ XXXX XXXX  : XXXX XXXX rep called asking me if I had my uncle call them for a change of ticket. I told them no and the agent told me that she got a weird phone call from an XXXX voiced male stating that he was my uncle and wanted to change my ticket. I am XXXX and do not have an XXXX uncle. The XXXX airline agent thought of this action to be suspicious so she gave me a call to confirm. 
XXXX XXXX sent me the itinerary file where it shows that the date did not changed to XX/XX/XXXX. It was still same as XX/XX/XXXX. 
She told me that I needed to pay {$290.00} to actually change it because the flight was not changed and told me to report the charge as a fraud to my bank because I technically did not receive the service as the itinerary did not change. 
If XXXX actually changed it, then the date shouldve been XX/XX/XXXX. Not XX/XX/XXXX. 

XX/XX/23 @ XXXX XXXX  : Once I decided and paid {$290.00} with the Chase Unlimited Freedom Card, the XXXX XXXX rep then sent me the actual, new, changed itinerary in real time. 

I can not pay for something I never got the service for. If XXXX or the third party actually changed my departure date and offered the services as they said they did, why would I pay additional {$290.00} to XXXX XXXX to get it changed?
Consumer complaint received 2023-12-16
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. (TX)

on ExperianXXXX I am unable to submit my identity theft documents. I have tried multiple browsers and computers. I have also tried to send these documents in different accepted formats. There is not one who can help me from the company. The company claims that even though I have already mailed them this police report for identity theft that I must submit the documents with their broken website. I will attach these documents to this complaint for Experian to review.
Consumer complaint received 2023-12-16
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-20
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. (NY)

Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my abilities to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-10-03
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-15
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. (IN)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wheel City Motors East, Inc. (FL)

In XX/XX/2017 I was in a horrible car accident. The car was totaled. The loan company-XXXX XXXX XXXX- said they would resell the car and XXXX out my balance, I was told it would not be put in my credit since it wasn't my fault. The car has been sold ( per my credit report ) and my balance is now {$0.00} but they placed it in my credit anyways.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime offers a way to get car insurance at a lower rate. They mention in the application below the insurance charge that I made that says Get a Refund when your switch your car insurance. On XX/XX/XXXX, I clicked on the ad and it took me to XXXX which is a Partner of Chime that offers insurance options. I completed the sign up process and got a quote with a different car insurance provider and I switched. On XX/XX/XXXX I contacted chime and asked the how the process would work now since Ive completed the whole process. They mentioned that the refund was initiated. On XX/XX/XXXX I followed up on this request however I was mentioned that the discount was applied on the original quote, I then presented the screenshots from the previous date ( XX/XX/XXXX ) where Chime support said that the refund had be initiated but the rep on XX/XX/XXXX mentioned the following At this point of time we don't have such features to post the refund amount manually, otherwise I've done this earlies.. After Chine support wrote that, the conversation ended and no resolution was provided. The refund amount is {$250.00}. Time frame has past, no refund initiated and Chine mentioned that no refund is available. Lastly, the customer support was asked again if there will be a refund or not, it he ended the chat before answering.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I was told today XX/XX/XXXX from XXXX XXXX at the XXXX XXXX XXXX branch that the risk department would not return my verified funds and that I would have to wait for the funds to go to the state of California before I could get my funds with no reason no explanation. I dep a check from my XXXX acct XXXX and they took that money and put in a gl acct risk management did ..for no reason the check was cleared and verified. 
They sent me a closure date and said my verified funds would be sent back and that did not happen .now they have kept my funds in a gl acct and sent me XXXX dollars that was left over in the acct and now they are telling me to have the bank the check was drawn on to re collect the funds that would be the only way to get my funds back. 
This is very wrong how can us bank keep my funds when they were verified ..I have not done anything wrong but try and survive.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MA)

Recreational vehicle loan with M & T Bank. Statements are received via mail approximately three days before the due date. I try to pay extra on the principal. The statement does not accommodate that whether paying online or in person at a branch. Sometimes I need to write two checks. One for the payment that is due and one to be directly applied to the principal. The tellers do not know how to apply additional funds to the loan because of the way it is set up. When I do pay extra the following months minimal payment reflects only the interest. I have reached out to M & T Corporate and was told that they are aware of the issues from both consumers and employees, but it is basically low hanging fruit. Nothing will be done. I have been told that this is sort of an unconventional loan. The bank in my opinion is using an unfair practice.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked Experian, XXXX, and XXXX to reinvestigate the following accounts : name : XXXX XXXX XXXX account # XXXX name : XXXX account # XXXX name : XXXX XXXX XXXX, account # : XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX name : XXXX XXXX XXXX, account # XXXX, name : XXXX XXXX XXXX XXXX account # XXXX name : XXXX funding, account XXXX XXXX name : DEPT OF ED/XXXX, account # *********** XXXX name : DEPT OF ED/XXXX, account # *********** XXXX The following hard inquiries : name : XXXX XXXX date : XX/XX/XXXX XXXX following soft inquiries 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 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 XXXXEXPERIAN 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 data is inaccurate.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (DE)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Conduent Incorporated (NJ)

I have an XXXX account with XXXX XXXX and for years the minimum balance to maintain the account without a monthly fee has been {$1000.00}. I have never paid a fee. I just turned XXXX and am in the process of winding down the account but have been using it to pay recent expenses since I can no longer contribute to the account. My plan was to withdraw the entire balance when it was just above {$1000.00}. However, in XXXX I noticed that a maintenance fee was charged to my account. When I inquired and asked that the fee be refunded, I was told that the fee is charged if the account balance is below {$5000.00}! I told XXXX XXXX that I was never notified of this change or I would have withdrawn the funds and closed the account before the maintenance fee was charged. I then withdrew the remaining funds in the account and demanded a refund and told XXXX XXXX to close the account. They have ignored me. I do not even know if the account has been closed. They are impossible to reach and never respond directly to the multiple messages that I send to them.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a NAVY FEDERAL CREDIT UNION credit card on XX/XX/ XXXX The following day I then called in and spoke with a rep regarding the denial and they couldn't help me other than telling me I'll receive something in the mail and there's no one else I could speak to regarding me being denied access to my credit. 
I then messaged the lending team through online banking, who I asked to retract my application and they wouldn't and totally disregarded the fact that withholding my credits after contracting with them is in fact Securities Fraud.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2023 NFCU stole {$140.00} of federally protected money from my checking account. On XX/XX/2023 NFCU returned the {$140.00}. On XX/XX/2023 NFCU knowingly stole {$150.00} from my checking account, NFCU was fully aware this money was set aside to bye food and international stole it with the full intention to try to starve me. All my money comes from XXXX  XXXX. I made a purchase with is protected money then returned it and this is the money NFCU has stolen. I have lost all trust in NFCU.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I applied for and was approved for an apartment at XXXX XXXX XXXX in XXXX, Texas. My plans changed before I signed the lease and they told me I owed them {$75.00} even though I never moved in. I asked for an explanation of this charge and received no response. After I told them to cancel my application they continued to send me welcome emails and move in notification notices. Now they sent me to collections for a debt they could not explain to me.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (FL)

Hello, my name is XXXX XXXX. I am a Victim of Identity Theft. At the beginning of this year, I attempted to open a Business Checking account with PNC. After two days, my account was closed due to " fraud ''. What really happened was they requested an XXXX XXXX XXXX report and from what they saw, they decided not to open my account and mark my file as " FRAUD ''. I think that's ridiculously unfair. I have disputed all the negative information on my XXXX XXXX XXXX report and yet PNC still doesn't give me a chance to prove myself and allow me to open ANY type of account. I think it's truly discriminatory and it makes me extremely sad. As a customer, I wanted to bring my personal and business banking checking accounts to PNC and now I don't think so. I just wanted to take the time to report them because I think they're being extremely unfair. Thank you, Happy Holidays!
Consumer complaint received 2023-12-20
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. (TX)

This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. XXXX and XXXX deleted and blocked reporting so this account hasnt resurfaced on my credit profile with them. Experian needs to do the same.
Consumer complaint received 2024-06-13
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. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/2024 I was contacted by XXXX from the internal review team. To talk about my account I wasnt able to answer so left voicemails. We was able to communicate on XX/XX/2024 about my account restrictions. I informed him of the reasoning why my check was returned was do to the information from a SoFi agent. During the conversation with XXXX I was informed by XXXX to clear up the account he would place a restriction on there in order to deposit the funds to clear the negative balance. After the balance clear. The restriction would be lifted. I had direct deposit on XX/XX/2024. I later called to have the restriction lifted like instructed. I was informed that it would not be done and I can not recieved my funds from the account. I asked agent XXXX  among others they told me that no note was placed on the account. By XXXX on XX/XX/2024 cause of the instructions I deposited my entire income. This result in major loses for me cause I can not lose my funds. promised my account would be fully active.