davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (WY)

On XX/XX/2023 I sent an email to Discover Executive Office of Financial Services requesting to have 5 % rewards included on monthly statements so I could keep track of my limit per quarter. The total rewards amount is clearly shown on the home page when logged in but trying to find the monthly amount allocated was impossible to find. I received an email from XXXX thanking me for my inquiry and informing me he would follow up. 
I then received a letter from Discover with 6 months of statements notifying me an investigation had shown when my account was opened, when the last credit card was issued and informing me Discover had reported my account to Credit Reporting Agency as disputed until I notified them otherwise. 

I was shocked as I merely requested the monthly rewards amount be included on monthly statements and never disputed my account or asked for an investigation of this sort. 

I then sent an email to XXXX XXXX, CEO and XXXX XXXX with the letter attached expressing my extreme dismay and dissatisfaction with the response I had received. I never disputed or requested an investigation of my account but merely requested the rewards be included on monthly statements. I explained how upset I was at such a response and wanted the dispute against my account lifted immediately. I asked how an employee of an organization such as Discover could be so inept with basic comprehension. 

Neither XXXX XXXX nor XXXX XXXX replied to my email, but I received a letter from XXXX explaining where the monthly rewards could be found on my account statement. He never apologized for his incorrect response to my initial request nor did he state the dispute had been lifted as I asked. 

Since I have a paperless account, I follow my charges on the homepage which does not include the monthly rewards. In order to find the monthly rewards, a customer has to open the pdf statement and scroll to the third page to find that information which is not convenient. However, XXXX should have simply said that initially and should never have instigated an investigation and dispute providing me with excess information I was well aware of and never requested.
Consumer complaint received 2023-04-25
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. (PA)

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 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I reached out to inquire about the status of my payment, and their assurance that it had posted without the possibility of a refund turned out to be inaccurate. To my dismay, I incurred additional charges, including fees and interest, while my bank has no record of any attempt to collect from my account. 

Despite multiple attempts to rectify the situation, the company lacks online debit payment options, and the bank transfer process is not only inconvenient but also takes up to a week. This delay is adversely affecting my credit, adding to the urgency of resolving this matter promptly. 

Having engaged with a representative, I was led to believe that my payment was successfully processed. However, the discrepancy persists, and to compound matters, I discovered an unexpected and unjustified charge of {$210.00} on top of my initial payment. 

This unsettling scenario not only raises concerns about the company 's transparency but also suggests a potential fraudulent aspect to their dealings. I am deeply frustrated and troubled by this situation, and I implore the company to address and rectify these issues urgently for the sake of fairness and financial integrity.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 6 O 4 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and Equifax ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (MD)

I opened my first access credit account in XXXX or XXXX of XXXX  made every payment on time got a screenshot of a payment of XXXX $ bc thats all I owed them for XX/XX/XXXX bill so I had a XXXX balance with first access and made every payment before that XXXX on time and it was being reported to XXXX at that time in XXXX 2022. 
Then I get locked up/ detained and my wallet was NOT ON MY PROPERTY SHEET FOR BALT. Co. Jail so I called in XX/XX/year> and told first access that Ive been a victim of identity fraud and unauthorized use on my card & even made a minimum payment of XXXX $ for XX/XX/year> because first access said they would investigate and I didnt want my credit score to go down. That was on a recorded line through ic solutions that runs the XXXX jail phones now I got XXXX XXXX XXXX REPORTING I OWE XXXX. I got plenty of documents that proves I was in jail & that I informed first access asap SO WHAT XXXX XXXX XXXX & XXXX XXXX XXXX ARE SLANDERING MY CREDIT REPORT AND REPORTING FALSE INFORMATION THAT IS AGAINST THE FCRA. My next step is law suits. 
Now once UNDER THE FAIR CREDIT REPORTING ACT A CREDITOR OR COLLECTING AGENTCEY CAN NIT REPORT FALES INFORMATION THAT THEY CAN NOT VERIFY THAT IS ABSOLUTELY BELONGS TO THE CREDITED MYSELF XXXX XXXX XXXX AND IM ADDING DOCUMENTS WITH THIS BC I FEEL LIKE MY ATTORNEY IS GOING TO HAVE TO FILE A SUITCASE AGAINST BOTH FIRST ACCESS AND XXXX XXXX XXXX BECAUSE ANYBODY WITH XXXX XXXX XXXX COULD SEE WHERE I WAS AND THAT THEIR WAS NO WAY I COULD OF USED ALL MY CREDIT CARDS AND BANK CARDS FROM A XXXX XXXX. XXXX. I will be attaching documents with this complaint and hope we can get first access to report to all 3 bureau, the truth, and that I was never late on a payment until I got incarcerated and also had coverage protection for six months just in case I became unemployed or XXXX. Well, I would say that we count as XXXX being XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, so all three shouldve been reported as paid on time with a zero balance from the time I got the account in XXXX or XX/XX/year> until six months after XXXX when I made a minimum payment myself from over the jail phone like I said, Ill be attaching documents with this complaint, and Im not stopping here. I will also be found a complaint through my state of XXXX  complain for creditors. Hopefully we can get it resolved and first access camera report the truth to all three and hopefully these documents can help and I got a lot more documents and a police report. Thank you for your time and concern in this matter Deeply concerned XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GA)

Hello, when I graduated in XXXX 1990 my Student Loan balance leaving was approx. {$22000.00}. It was a combination of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Perkins XXXX, and XXXX : XXXX Stafford loans. I consolidated these loans through XXXX XXXX. Today, 27 years later, my current balance is {$35000.00}. My loan is currently held by American Education Services and is in good standing. I had issues finding a job and making payments when I graduated. Over the years I have put off payments with forbearance and negotiated with lenders as my Student Loan was bought and sold. At one point in time I made a payment of {$10000.00} to get it back in good standing. I always kept my loans from being employer wage garnished. I am seeking advice in investigating how my Student Loan got to where it is today. Thank You.
Consumer complaint received 2024-04-08
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 am writing to dispute and request the immediate correction of inaccurate information present on my credit report. Upon reaching out to the respective banks associated with the reported accounts, it became evident that a system glitch was responsible for providing incorrect details. 

Furthermore, I have directly communicated with the banks, and they have acknowledged the errors stemming from these system glitches. They have assured me that the negative information associated with the accounts will be rectified to accurately reflect a positive status or marked as closed/never late. I expect these necessary corrections to be promptly reflected on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I have a Chase-Amazon credit card which I paid the balance off in XX/XX/2023. And the company acknowledges the payment in full. However, they continue to charge me interest in XXXX and XXXX with a fully paid balance. I have on multiple occasions requested credits for interest they continue to charge me, and they say NO!
Consumer complaint received 2023-09-22
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. (CA)

In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATIONXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and was closed. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXXXXXX XXXX  and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened an HSBC Direct Savings Account  on XX/XX/2020 because of the advertisement of a High-Yield interest of 1.7 %. I transferred all of my savings from an XXXX High-Yield to this account and two weeks later, the interest rate dropped to 1.3 %. They are still to this day advertising 1.6 % on their HSBC Direct Savings accounts.
Consumer complaint received 2024-04-08
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. (CA)

I am reaching out to dispute several accounts listed on my credit report, which are the result of identity theft. These accounts are not associated with me, and I am formally disputing this fraudulent information. I have already notified the respective companies about this fraudulent activity. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Certegy Holdings, LLC (CO)

I attempted to cash a {$100.00} check twice. They were the same check. 1st attempt was on XX/XX/XXXX and the 2nd attempt was XX/XX/XXXX. Each attempt was an automatic denial. To clarify, this was the same check wrote out to my husband and I from XXXX XXXX based in California. Ive never been denied cashing a check until this point. I am confused as to why I was denied. The reps over the phone was not of any assistance. This experience is beyond humiliating and discriminatory. I ordered my report from certegy in hopes of getting more information. I received my report by mail. The reason for the decline it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. My husband was with me on my 2nd attempt and he was able to cash this check without issue. Each location I looked I was looked at as if I was a criminal. There is no record of a bad Check I presented to any place, ever. There was nothing listed under my outstanding items according to certegys report. Certegy provided a list of places I was able to cash checks earlier this year and in XXXX. I fear if I have to cash a check going forward I will not be able to and will be subjected to sane issues. My name needs to be cleared or I will sue them. Who Certegy to determine who can and can not cash a check? I understand if I had history with fraud and unsatisfactory check cashing experiences but there is nothing on my record. I even pulled a report from XXXX XXXX and still nothing. This is outright discriminatory and inconsistent.
Consumer complaint received 2023-04-26
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: GOLDMAN SACHS BANK USA (CA)

In accordance with the fair credit reporting act, this creditor APPLE CARD/GS BANK USA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-04
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)

I am writing to bring to your attention an issue regarding my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax to report and dispute the following inaccurate information on my credit report. To date, I have not received a response from them. Please find below the details of the disputed accounts and the corrections required : The following account does not belong to me : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$720.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$660.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2200.00} Request : Please remove this account from my credit report.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd (TX)

On XX/XX/21, XXXX XXXX ( XXXX USD ) was wire transferred to Transferwise. Transferwise claimed they did not receive this transfer. I inquired with both my bank and Transferwise. I forwarded Transferwise the copy of the receipt from XXXX XXXX  XXXX showing that the wire was, in fact, sent from XXXX XXXX XXXXXXXX to Transferwise. Transferwise continued to claim they did not receive the transfer. Trasnferwise then returned XXXX XXXX ( XXXX USD ) to my account on XX/XX/21. I am due XXXX USD to my account. My bank has not charged fees for the wire sent nor received. Please advise.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I have been a banking customer at Marcus GS for a long time since I was still a graduate student and throughout the time I was working in XXXX. However, I recently started working in XXXX and when I tried to access my account, my access got blocked and my account was therefore locked. It has been more than 6 months and despite numerous calls, there has been no change to my account status and I am still unable to access my account despite having provided numerous details, notarized certifications, and other things. For each my call, the customer service representative will only tell me that it is blocked, there is something wrong with my phone number ( e.g., they can not send a text or the number is not registered under my name, which are odd because I have never encountered these issues and the number is validly registered under my name ), and the account will be subject to further reviews for several business days. It seems that the whole thing is just a stalling tactic and Marcus GS has been acting in bad faith by preventing me from accessing my own money or providing a reasonable way to resolve the issue. It has been very frustrating and I would like to switch my bank from Marcus GS if possible, because they do not even have a physical branch for me to come and show my ID and other materials that are needed to unlock this account.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX  {$8300.00} ; XXXX XXXX XXXX XXXX  : {$5200.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX