davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I would like your mediation about the payment dispute with Amazon Synchrony Bank. 
The XXXX store issued a refund for returned merchandise to the original form of payment ( XXXX XXXX ), but unfortunately, it was not reflected on my end. 
Order date : XX/XX/ The total refund issued : {$71.00} Order Number : XXXX Payment Method : Amazon Credit Card Since then, I have contacted Amazon and Synchrony several times via email, phone, and post. The initial attempt was to resolve the dispute through Customer Service. Still, as it has not been successful, I am now seeking your assistance for mediation before escalating this matter further. I canceled my Amazon credit card and closed the account with Synchrony Bank. However, I am still waiting for information about the refund. 
Your assistance in this matter is very much appreciated.
Consumer complaint received 2023-10-30
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. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the XXXX. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I have file a report and compliant with FTC and XXXX Police XXXX.
Consumer complaint received 2023-10-30
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. (MI)

delete XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX  XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am writing to formally lodge a complaint against HSBC USA for their unfair treatment and lack of communication regarding the closure of my credit card and account. 

In XXXX, I received a notification from HSBC USA informing me that they would soon close my credit card and account. To clarify, my financial activities have been above board, with transactions primarily involving small verification amounts for services such as XXXX and XXXX. I have had no other dealings with any additional XXXX institutions or individuals. 

I have used my American HSBC bank and credit card diligently to pay for bills from XXXX service providers without any violations of banking regulations. Despite this, and prior to any account closure, HSBC XXXX also attempted to close my account, which was promptly halted after the intervention of the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received notice from HSBC XXXX stating : The bank is very concerned about the event you reported and has made an immediate follow-up and contacted the relevant department for a thorough investigation. After re-reviewing, the bank has decided to stop the account closure process. Your account will be unrestricted and can be used normally. 

Given that the misunderstanding with HSBC XXXX was resolved, and the information was communicated to HSBC USA, it is unjustifiable and could be construed as defamatory for HSBC USA to continue with the closure for security reasons. 

I have previously been advised to contact XXXX to appeal this decision. However, despite reaching out via email, I have not received any response from this HSBC representative. 

Furthermore, after repeated and futile attempts to communicate with HSBC USA, I filed an official complaint on XX/XX/XXXX, with the reference number XXXX. HSBC USA promised a response within XXXX business days. As of today, this period has lapsed without any notification, neither by email nor phone call, demonstrating what appears to be a blatant disregard and disrespect for their customers. 

Through this complaint to the CFPB, I wish to address the following issues : XXXX. The closure of my account and credit card due to security reasons, despite no misconduct on my part. 
XXXX. The refusal of HSBC USA to engage in meaningful communication regarding my complaint, and their persistent silence in response to multiple attempts to contact them. 
XXXX. The disdain shown by HSBC USA towards their customer in regard to account management, response to complaints, and the fundamental process of communication, all of which were handled with extreme arrogance. 

I kindly request the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that HSBC USA is held accountable for its actions. 

Thank you for your attention to this matter. I am hoping for a timely and fair resolution.
Consumer complaint received 2023-10-30
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. (MI)

delete community financial cu in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/ I woke up to my Capital One card accounts being closed. I have always paid my CC bill on time and have proven the ability to pay back the credit in which I am using. I applied for a secured credit card and was charged a {$100.00} finance charge for the card with a limit of {$200.00}. I requested an increase because I am trying to fix up my home, After the request was denied several times I called into capital one in regards to having an open end credit plan as stated in 15 USC 1602 ( i ) ( j ) and was told to apply for the limit. After I sent Capital One a letter directed to the XXXX XXXX XXXX in regards to my open end credit plan, my account was shut down. I called an spoke to an agent on XX/XX/ and she stated that my account was shut down due to a violation of terms because of an overdrafts. After reading Capital One terms I have never had my account not paid on time. On top of all of that Capital One reported a negative mark on my credit report. I spoke with XXXX from Capital One fraud department on XXXX It was during this confabulation that XXXX confirmed that my account was shut down in retaliation due to a letter that Capital One received from me on XXXX
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

My loans with NelNet went out of deferment even though I am a XXXX XXXX XXXX until XX/XX/2024. Specifically a XXXX XXXX loan from XXXX. My school ( XXXX XXXX  ) has communicated my status as a XXXX  with no problems. I was charged XX/XX/XXXX and XX/XX/XXXX. My checking account was charged using auto debit which I had never approved or signed up for. I never provided NelNet with my checking information and I had never made an account as I am a XXXX XXXX XXXX still. I was given no warning, and there was no communication by email, mail, or phone.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have been charged multiple time with a XXXX XXXX fee for an overdraft charge. Say 2 charges were made which lead to my account being negative they have charged me twice. Which I can send my bank statements to prove and as well as them charging me every month for a maintenance fee which I wasnt charged until I was affected by a tornado at my job so I wasnt able to work which lead to me not being able to deposit much into my account but at least XXXX dollars was getting deposited into my account every week
Consumer complaint received 2024-07-03
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: TD BANK US HOLDING COMPANY (MD)

This is my third attempt to address this issue. I have filed disputes with all three credit bureaus and lodged a complaint with the CFPB as well. On XXXX XX/XX/year>, I opened an account with XXXXXXXX XXXX through TD Bank for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, phone coverage, and various other gifts included in the bundle offer. 

Shortly after placing the order online, I received the attached document but no subsequent instructions on how to set up my account. It's possible that the email containing account setup information was intercepted by a hack ( as has occurred previously ) or lost due to factors beyond my control. For this reason, I utilize both credit and ID theft monitoring services. 

The primary goal of my fourth attempt to resolve this is to assert that I did not receive any account setup information ( neither via email nor postal mail as indicated in the attached email ) until my credit monitoring service ( i.e., XXXX XXXX, XXXX, XXXX XXXX, etc. ) flagged the overdue amounts as a derogatory remark on my credit report. 

I am at the mercy of the TD BankXXXX XXXX to rectify a mistake for which I believe no one is at fault ; however, it impacts my 34+ years of impeccable credit history and an XXXX XXXX score for no reason other than what TD BankXXXX XXXX deem as obligatory factual reporting . Once again, as a loyal XXXX customer for nearly two decades, I do not wish for this relationship to be tarnished by a seven-year derogatory mark on my credit report for an issue that has since been resolved and was due to a missing email or piece of mail that was either lost or intercepted. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (SC)

On XX/XX/2024 @ XXXX XXXX  I paid my credit card bill using the first digital app. The amount was {$41.00}. On XX/XX/XXXX I received a late fee of {$41.00}. I contacted the credit card company to inquire about the late fee as I had proof that I.pais my bill on the due date. Per the reps I received a late fee because my payment was not paid by XXXX central time. I explained to the reps that I am eastern time we are in different time zones. Rep did not want to remove the late. Spoke with a supervisor who refused to remove the late fee as well.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX  - I booked a round trip flight from XXXX to XXXX XXXX through Chase Travel Program with United Airlines, costing {$1400.00}. Trip ID : XXXX XX/XX/2023 - I received an e-mail saying that there was a delay for my flight. I logged onto the United Airlines website and there was an option on website saying that I can book a new flight at no extra cost. So I clicked on it. It then showed me my new booking but said there was an issue and to contact my agency. I contacted Chase travel and they helped me reserved a new flight from XXXX to XXXX XXXX. ( Same Trip ID ) Day of my flight : XX/XX/2023 - I got to the airport at XXXX XXXX  to catch my flight. The self check-in machine wasn't giving me a ticket and told me to contact help desk. I spent the next 3 hours juggling between Chase Travel and United Airlines trying to fix the issue.

United Airlines said that there was a reservation but no ticket and that XXXX XXXX XXXX needed to give them control of the ticket. 
There was only 15 minutes left before my flight departs and the issue was still not resolved, so I let my girlfriend fly to XXXX first and promised to meet her there the same day. 
I told the Chase representative that I needed to get to XXXX today, the Chase representative told me to book another flight via United Airline website and to keep all the receipts for a reimbursement. I did so but it costed me an extra {$3700.00}. 
After my trip to XXXX, I came back to the US, and contacted Chase Travels. They did an investigation and told me that XXXX XXXX XXXX was willing to reimburse me the price of the original flight ( {$1400.00} ) but not the price of the new ticket. 

I told Chase that I can't have that. They were willing to settle the case by giving me XXXX points but that wasn't what I wanted. I just wanted the reimbursement of the new ticket ( {$3700.00} ). 
I contacted United Airlines, All XXXX XXXX and Chase Travel, but none of them will claim fault and reimburse me for the extra cost. 

Chase 's carelessness costed me my flight to XXXX with my girlfriend and arriving at a precise time on that day which caused me to miss multiple reservations that I had in XXXX. 
All I want is for Chase to take responsibility for this mishap and reimburse me my new flight price.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

Ally financial called me over and over day after day me with an auto dialer. It was total harassment to the point I had to tell them to quit calling me. They ignored my request and continued to harrass me. Nearly every call had no agent on the line or they would get half way through a payment and the line would drop. I had no idea if my payment went through or not. I complained to several employees and no one would help me. I paid at 31 days because I have no idea what is due or when. They then sent me a letter stating that I said I have an attorney ( which I didn't because I don't ). 
They are taking advantage of being first party and not having to follow the FDCPA so they call constantly harrassing. They reported me to the credit bureaus for being late. This is on them and there terrible system and call center. I would like this report removed.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (TX)

I, XXXX XXXX, am requesting the deletion of account XXXX XXXX XXXX XXXXXXXX from my credit report as this account was sold and now reporting as ABSOLUTE RESOLUTIONS I ( Original Creditor : XXXX XXXX XXXX ). You are also reporting different balances when this is the same account. Please remove both accounts due to double jeopardy and incorrect reporting. Account XXXX was written off XXXX, and account XXXX was opened XX/XX/23 making this the same account obviously just sold and yet you are reporting different balances. How does this meet FCRA/FDCPA? I will take all parties to small claims court for negligence and violations of consumer laws if this account is not removed immediately.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Receivable Management, Inc (FL)

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Communication by email, Received another mail from you, I do not owe what you sent me. I pay my co-pays at the time of visit. 
On top of that you listed an attending physician that does not even work at the XXXX XXXX XXXXXXXX or XXXX XXXX XXXX. I dont owe that debt. 
I will file a complain to the FTC if I receive another
Consumer complaint received 2023-06-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

The account was charged off. date XXXX of XX/XX/2022 {$20000.00} written off. {$19000.00} is past due as of XXXX XXXX this account is a charge why are they updating inaccurate information on my credit report please remove this account from my credit report
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

IM having a problem with the credit reporting agency reporting information that keep dropping my credit score it is hard for me to get a good interest rate in purchasing a home or car my credit cards rates are 29.99 % the credit bureas are playing with my score I would like for some one to help me find out what happening with my reports with all three Burea XXXX Equifax, XXXX I have a100 % payment history never late no delinquency, no legals records
Consumer complaint received 2023-10-30
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly