davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (FL)

I submitted a complaint prior concerning a scammer faking like he's going to buy my carpet on XXXX and he hits me up for a {$500.00} gift card. In trying to sell my carpet, I created 3 PayPal Accounts. He had a PayPal Assistant.gmail account that helped him seem legit. I fell for it.

PayPal has opened without my knowledge credit accounts on all three email addresses as follows :. XXXX. XXXX. XXXX I tried to close these credit card accounts and someone has used these without my knowledge. 

Also, another scammer has tried to use my PayPal Account to buy an XXXX and charge me for the XXXX. I need this scammer found and prosecuted. 

. XXXX XXXX XXXX XXXX XXXX has taken the order, which I did not make.
Consumer complaint received 2023-10-10
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc (OH)

The debit company is using a split for money for the money to get for personal use and caught be me with my accounts and not the card I use to my understanding has value on it to become used on reported to statements because of an stolen ssi check. And the amount is weirdly wired to take some money and checking paperwork. That's sent and not the entitlement. But I get my check on the chime card I can't read. The problem is repetitive with retaining bank money in big banks and representative payees '. But the checks in 2022 goes to XXXX and XXXX XXXX.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc (CA)

THIS IS A FRAUD I DO NOT HAVE AN ACCOUNT WITH CHIME I DO NOT WANT TO HAVE AN ACCOUNT WITH CHIME THIS IS NOT MY PHONE NUMBER PLEASE EMAIL ME WITH ALL OF THE CORRECTIVE ACTIONS YOU HAVE UNDERTAKEN BY XX/XX/30!! 

Chime refuses to provide any information to me.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TN)

This is related to complaint XXXX for XXXX. NFCU has not been able so far to send anything proveing I ever agreed to be a co-applicant or co-owner of a credit card my husband opened in 2011. They are now withdrawing funds from my seperate savings account to make minimum payments because they say the agreement they can not prove allows them to do that and they will continue to take the money out of my account monthly. They further will not return the payment they took without any authorization unless I sign an agreement to be responsible for the balance.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I went to close my account XX/XX/2019 upon this discovered my account was being fraudulently used with out my knowledge or consent, I reported this upon closing account they stated accounts closed we will be issuing you a check for remaining funds in account and a check for 1 year back of fraudulent charges which were actually 1 1/2 years but would only reimburse back 1 yr. The bank did not close my account for several months accruing maintenance charges also, I was not notified of this nor the denial of reported fraudulent charges which were for XXXX. I didnt even have an account with XXXX it was being used for a woman named XXXX XXXX XXXX to bank of America . I tried for a year to contact anyone at bAnk of America but was repeatedly given wrong numbers for contacts to fix this, I finally got sick of this and scheduled an appointment with a manager at Bank of America in XXXX nh which I was there for hours. The manager said he cant do anything or he would get fired but the bank was in the wrong but according to their policies the only way rectify this situation was for me to repay all of America the XXXX $ something they refunded me for fraudulent charges. Its not much money at all its the principal. My account was being fraudulently used I reported it and did everything I was suppose to, I was lied to by Bank of America saying my accounts were closed and never notified of this with me which In turn led to maintenance fees etc ultimately hurting my credit ability to obtain employment, housing, the ability to obtain a checking account at any bank I still can not get a bank account anywhere! I would greatly appreciate any help or advice I also have an Audio recording of meeting with bank manager and paperwork if you need me to provide any information please let me know and I will provide ASAP. I will only be submitting a few documents/ pictures please let me know if you need more, Thank you respectfully XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (GA)

I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to me.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Hello, My mortgage account XXXX was transferred from XXXX XXXX to Shellpoint. 
I found out about the transfer upon logging into my XXXX XXXX  account and seeing the loan was transferred notification with no any further information. 

Ive made MULTIPLE attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused.

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OK)

I previously applied through student loans.gov to convert my XXXX loans ( all ) to the XXXX plan in XX/XX/2023. I never received anything from my loan serviced AidVantage. 

Then, in XX/XX/2023, I contacted AidVantage customer service, waited on hold for 50 minutes, and then processed another similar request through an agent, and she advised me that my monthly payment would be approximately {$320.00} per month and that I would receive a confirmation from AidVantage that the loan payment terms were being changed. I never received anything from AidVantage. 

Im early XX/XX/2023, I attempted again to contact AidVantage, but after XXXX hours on hold, I had to wait to try again. My loans have not been changed to the XXXX plan, and my first due date is tomorrow, XXXX XXXX. The payment due is approximately {$550.00}. I attempted to call AidVantage again, and have been on hold XXXX minutes with no answer.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I am submitting a complaint about American Express due to ongoing billing errors, incorrect adjusted balance/minimum payment due, pay over time charges, interest calculations, and fees on my statements starting from XX/XX/2022 closing date statement through present.

Im desperate to get this remedied, as I have spent probably 70 hours trying to get this fixed. This has affected my credit score and created incredible stress personally. 

AMEX has continually messed up my account by not indicating the correct amounts to pay, adding incorrect charges, and misallocating charges that have resulted in massive stress and me unable to determine my payments and budgets around this card. 

Every time I get one thing fixed, another thing goes wrong with it. I would like to request enforcement measures because the errors are always in AMEXs favor.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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. (GA)

Please be advised that I am completely OUTRAGED with the NEGLIGENCE AND NON-COMPLIANCE of Equifax. These actions are unjust to me as a consumer and have a clear disregard for the law. When logging into my XXXX portal, I see that there were XXXX disputes initiated ( not by me ) on, XX/XX/23 and XX/XX/23. The investigation of the disputes was completed on, XX/XX/23 and XX/XX/23 ( document attached ). 

Equifax did not use reasonable procedures to assure the maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The investigation did not verify the accuracy and completeness of the accounts. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 3 ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was scammed by a XXXX scammer selling products on their fake website. 
The order was supposed to be refunded after the order was placed. 
I was told to pay the amounts via paypal the friends and family feature. This feature from paypal is very misleading. 

Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

Chase credit card charged me a late fee in XX/XX/XXXX, saying I had to pay them by XX/XX/XXXX. I explained that my payments are well ahead of their required monthly schedule as I've paid XXXX payments in the last 6 months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. 
They said I had to pay in XXXX by the XXXX even though I'm well ahead of the required monthly payment schedule. 

Their practice is not fair, likely not legal and yet they get away with it. I want my money back, am going to pay off the account and close it. Chase is known for these unfair tactics. I wish they would be fined.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, XXXX, EQUIFAX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old.

Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NJ)

Affirm reported my account 30 days pass due XXXX XXXX. When the money has came out of my account. I have prof of funds from my bank statement this loan was payed in full before it was even reported.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.
Consumer complaint received 2024-06-25
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I used my Citi Double Cash credit card to purchase 4 copies of a special edition of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on CD for a total of {$86.00}. When I received the order, XXXX of the items was damaged. I reached out to the XXXX XXXX site I purchased from with details including at least XXXX photo of the damage. I was told to initiate a return request through the website. After entering what I felt was an excessive amount of information, I got to a page that said I needed to agree to some sort of legal terms to process the request, however, I could not figure out how to view those terms. I replied to the e-mail describing the issue, and I got an almost identical response telling me to initiate the return request online at the same link that was provided before, with no attempt to address the problem. I opened a dispute through Citi for {$21.00} ( 1/4 of the purchase price ), and was given a conditional credit while a decision was being made. On XX/XX/XXXX, I logged into my Citi account online and noticed that the credit was reversed. There was a message that stated, " We've concluded our investigation of your dispute, and provided details about the resolution in your Statements and Documents [. ] '' This is untrue. Besides my monthly statements, the most recent document in that section is from XXXX of XXXX. I tried to call Citi at the number on my card, but as is typical for them lately, their AI system can not understand XXXX, and takes me around and around in circles before eventually hanging up on me.