davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX 
I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my credit.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (TN)

I have had a Crypto.com account for years now and recently changed my phone number. Since I no longer have access to the phone number associated with my crypto.com account I am not able to login to the account and manage it. I have attempted to update my phone number numerous times and have had numerous conversations via chat with Crypto.com representatives which has so far been a complete waste of time. I was asked to submit identity verification and did so successfully however the simple request to change my phone number has been ignored.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (IL)

On XX/XX/XXXX my card information was stolen so,3 transactions went through and I was approved one of them back.the 3 transactions that went through was {$54.00} {$16.00} and {$14.00} so if I get text messages saying dont go through with them transaction they still did. They all happened around XXXX XXXX  and I was trying make a purchase for my goods so if I say yes to something then within a hr they dont update on nothing nomore I never said yes to going through with these transactions.they have rightfully approved the {$14.00} and I provided the same proof from both the other transactions and it keep getting denied and they didnt sent me a message about the {$16.00} coming in chime just took itXXXXThey havent sent me the documents I requested or nothing they isnt doing they matter right.representative said it will return back then they denied the money and took it still.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I can not get ahold of my loan servicer. I have tried a half dozen times. Either the phone line is disconnected, the chat service doesn't work, or the wait is XXXX minutes. I can not adjust my payments or do anything unless they talk with me.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MD)

Synchrony/ Rooms to Go- ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed Synchrony/Rooms to Go- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed 0. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX I have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX
Consumer complaint received 2023-08-31
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)

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 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XX/XX/XXXXXXXX XX/XX/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 2018-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by Equifax. XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of Equifax with regards to these accounts. I provided them proof of the inaccurate credit reporting. Equifax did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote Equifax directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that Equifax received the dispute. A copy of this complaint as well as past CFPB complaints on Equifax is going to the FTC, Georgia Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Penfed Credit Union erroneously charged XXXX late fees between XX/XX/XXXX and XX/XX/XXXX equaling {$3000.00}. 

These late fees were applied in error as payments were rendered in advance for far greater amounts than required. These payments were incorrectly applied as payments for prior months due to what was communicated as PenFed system limitations by customer support resulting in the erroneous late fees. Customer support acknowledged these issues and stated they could only credit the most recent late fee as the additional would require supervisor authorization. Multiple supervisor requests for the remainder late fees had been submitted to remove the late fees. I have not received any acknowledgement back from supervisor of these requests and still see the erroneous late fees on my statements. This formal complaint is to escalate for immediate removal.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase bank closed account without notifying. Prior to it being closed, I had paid in full at all times. I submitted a payment for it to be paid in full, and it bounced from my bank. 

I called and asked why. It now is registered as eight unsuccessful payments which is the bank payment bouncing without notification. 

They also said it was due to my credit activity which involved a standard opening of a mortgage, car loan, a business credit card, and a credit line for a business computer with a low monthly payment. 

These are unfair reasons, considering I have always paid my account in full and been a responsible and responsive customer.
Consumer complaint received 2023-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

My Student loan of 30 years with XXXX held a fixed rate of 4.5 % for the term. It was sold to Nelnet Bank this year and Nelnet raised the interest rate on this FIXED rate loan to 5.75 %. I asked them to correct it back to the fixed rate value it had always had and they said Fed raised rates. I understood banks can not raise a rate on a fixed rate, student loan and so I am lodging a formal complaint.
Consumer complaint received 2024-01-19
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: JPMORGAN CHASE & CO. (CA)

I placed an order on XXXX XX/XX/2023 in the amount of {$2600.00}, but I never received it. I contacted the merchant and I was unable to get this issue resolved. I waited 30 days as the credit card company requires, before filing a dispute claim. The claim was denied. When I asked Chase for the reason, I was told that the items were delivered and signed for. I was not even home on the date the items were delivered. I did not receive or sign for anything. I requested proof of signature and delivery documentation from the credit card company, but nothing was given to me. I also submitted my signature for comparison to prove that it was not I who signed for any package. Chase customer service said that the claim could not be re-opened and Chase has ultimately refused to help me with this matter.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
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: SYNCHRONY FINANCIAL (TX)

Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (PA)

i have ana acct with wells fargoXXXX XXXX XXXX XXXX i tried to setup auto pay and it wouldnt go through, i went in the branch to get help and they couldnt help me, i have a agreement with the creditcard i have 36 months to pay off this debt as this furniture was in dispute they were charging me late fees i opened 2 complaints with the executive office and nothing is being done, i keep calling them nothing is being refunded, well then i had so many problems with the furniture XXXX XXXX took back my living room furniture and issued me a credit {$2800.00} but i still have other furniture from them well wells fargo took the money and paid off the card balance and i didnt want that dont bc i have the contract terms that say i have 36 months to pay, so i keep calling them and no one is sending me my money that they are holding and fixing my acct and they are ruining my credit by reporting me late
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (SC)

I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day. 
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018. 

It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.
Consumer complaint received 2024-04-29
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: Bread Financial Holdings, Inc. (WI)

I had an account with Dell XXXX that I opened up sometime in XXXX. Never had an issue and my payments was always on time. Comenity bank took over all Dell XXXX accounts back in XX/XX/2023. This bank never sent out letters nor did Dell XXXX about Comenity bank taking over all Dell accounts. I started to get phone calls towards the end of XXXX from Comenity bank about delinquent payments on my account on which I was puzzled because I've never had an account with Comenity bank. So, I asked why I was not informed of the switch ( from Dell to Comenity ) and the agent for Comenity bank said that I wasn't the only person to have this issue. I shrugged it off and made my payment and ask the Comenity bank employee about the late fees and if I was able to set up automatic payments through him and he said yes but its only good for 3 months that I would have to go online and set up my account and I would be able to do it online. After setting up the automatic payments with the Comenity bank employee, I started to get phone calls at the beginning of XXXX saying that I have a past due balance. I talked to the supervisor wondering why I had an overdue balance since I set up automatic payments around the last week of XXXX. The supervisor told me that the employee only set the payments to take out 60 ( which was not enough for the monthly payments ) instead of the minimum payment per month for three months. I've lost about 100 points on my credit through XXXX ever since they took over Dell XXXX accounts. I would like to think I've done my fair share on trying to make right with this bank back in XXXX with the account I have but at the end, all they've done is harass called me on blocked robot callers until I told them to stop. This bank is the definition of Malpractice when it comes to dealing with their employees. After reading stories about this bank from other people that have posted online and to me all it seems like is that this is common practice with this bank. Late fees and damaging your credit seem like a practice at Comenity bank.
Consumer complaint received 2024-01-11
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)

In accordance with the Fair Credit Reporting actXXXX XXXX account XXXX XXXX XXXXXXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (FL)

On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my Equifax file. It was completely gone. 

I then proceeded to contact Equifax and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

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  I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold Equifax accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX