davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (TX)

I accepted a seasonal assignment with XXXX. A wisely pay card was supposed to be sent to me. But I never received the card. They just kept extended the time period and telling me to wait for it. They never told me the card was being used. They refused to block the card. I kept calling and asking for the card but no one would tell me it was being used and they wouldnt block the card. I found out on XX/XX/2023, that Apparently starting on XX/XX/2023, the card was used for multiple transactions for almost {$2000.00}. Rude representatives XXXX and XXXX refused to block card or dispute transactions and instead blamed me for not receiving card. They refused to tell me the fraudulent transactions, block card, or send a replacement card. They refused to tell me the phone number linked to the card or when the card was activated. I have never received the card, almost {$2000.00} has been stolen from me and wisely XXXX wont even block the card or let me dispute.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, I contact XXXX Customer Care Center via phone call to discuss a problem I was having with my daughter 's XXXX  music account. I was ask a series of questions in order to verify my account, Per The Customer Service Rep. I complied not thinking I was giving my information to someone other than XXXX Care Center. After a few questions I became a bit suspicious of the types of questions I was being ask. At this time I began to shut down our conversation because I became more suspicious, but too late. They had already distracted my information. I immediately contact Wells Fargo Bank only to learn that monies have already been removed from my bank account in the total amount of {$1200.00}. At no time nor was it ever my intentions to charge {$1200.00}. At no time until it was too late that I knew I was talking to a scam person. Wells Fargo denied my claim because as they stated I gave and authorized this charge. NOT TRUE. I was conned out of my information and Never was it my intentions to purchase anything or have any money remove from my account. It was my intentions only to solve the problem with my daughter 's XXXX play account. I never Authorized The Removal Of The Money that Wells Fargo Bank claims I did.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

During the months of XXXX to XXXX of 2022, my checking account has been froze on many occurrences due to sending money by using XXXX. As I called the bank and told them I used XXXX a lot to send money and there is no suspicious transactions that they should be worried about, they continue to keep freezing my account whenever I use XXXX through Discover bank. I have talked to so many customer service representatives and the supervisor, they all said that this is for security purposes even if clarify with them all the XXXX transactions are legitimate. Just last week Discover bank froze my account again, I had set up payment toward my credit card, and that caused the payment to be returned even though I have sufficient funds in my checking account. Indirectly, my credit card has closed all my accounts due to the returned payment and over credit limit. The freeze from Discover bank has caused me so many problems with other institutions and nothing can be solved unless I call in to unfroze the account for XXXX transactions but this event last week has caused a lot of stress as my credit score will now be negatively effected. Why is there no call to me prior to freezing or closing my accounts?
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I used XXXXXXXX XXXX  XXXX preferred credit card to pay off Bank of America credit card in the amount of XXXX. I have been trying to resolve the fact that the funds have never been credited to my Bank of America Visa. XXXXXXXX XXXX unfortunately sent it to a wrong account number that did not even exist according to Bank of America. I have been struggling to see where those funds are ever since I noticed it was not credited to my Bank of America account. I have had numerous phone calls to both XXXX XXXX and Bank of America and I can not seem to resolve this issue since early XXXXXXXX XXXX XXXX has sent me proof of the funds being transferred but Bank of America tells me first that they never received the money and later says that the funds were returned. I have sent Bank of America a certified letter asking to please inform me when the funds were returned and to which account and if there is any transfer number I could give XXXXXXXX XXXX proving it was returned. Bank of America has not reached out at all to my request. I need help finding out what happened to those XXXX. I do not believe I am responsible for something I never received. Please help me find out where this amount that was transferred to since I surely do not have it, yet I am being billed for it. Thank you
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE- CEASE AND DESIST To whom it may concern : JEFFERSON CAPITAL SYST is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including JEFFERSON CAPITAL SYST .

Since JEFFERSON CAPITAL SYST has taken oppressive actions and infringement on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit ( A ). This constitutes as a violation pursuant to 15 US Code 1692 c ( c ) & 1692d ( I ) for the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums such as email, text messages, phone calls, consumer reporting agencies or any other forms of communication regarding the alleged debt in which I allegedly refuse to pay pursuant to 15 USC 1692c ( c ). Remove the collection from all consumer reporting agencies. 

Due JEFFERSON CAPITAL SYST Fraudulent actions, this constitutes as aggravated identity theft for knowingly possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursua

nt to 18 USC 1028 and I8 USC 1028A. Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an
amount equal to the sum of {$1000.00} per violation, JEFFERSON CAPITAL SYST as confirmed is a debt collector who failed to comply with the Fair Debt Collections Practice Aet ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if JEFFERSON CAPITAL SYST violates this CEASE AND DESIST!
Consumer complaint received 2023-11-10
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased jewelry from Macys and paid with a Macys American Express store card as it shows on my statement closing dated XX/XX/XXXX which statement is 12 months after the original purchase. The purchase offered a 12 month deferred interest period which fee would have been {$400.00} if not paid within 12 months. 

I returned the purchased jewlery on XX/XX/XXXX as shown on my statement closing dated XX/XX/XXXX ( aprox a month after the original purchase ). 

Once the deferred interest period ended ( again on XX/XX/XXXX ) I got charged that deferred interest in my total balance. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which each time the representatives acknowledged that I was correct after they kept me on the phone for a long period of time each call. Every time I called, they stated that the balance would get adjusted on the next billing cycle and as of XX/XX/XXXX it has not. They promise a call back to confirm once it has been adjusted but no call back. I have requested a confirmation email but they stated that their system does not allow. 

In essence, I purchased jewelry and returned it 10 days later and I got charged defered interest a year after because their system did not adjust correctly and they have been charging me interest on the {$400.00} every month. 

I have attached the statements accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

My client used Chase Bill Pay to send funds to me. 

Funds came out of their account but was never credited to my bank. 

Chase put an investigation in and is claiming that my bank got the money and misapplied it. 

Chase has provided the details of the transaction they sent, but it is incorrect. It shows an electronic payment but has no routing number and shows my address instead of my bank which would be necessary for an ACH payment. 

When an ACH can not be used Chase Bill Pay sends a check. Based on their documentation it would have been a check because they show no routing number. 

Payment was not received by my bank and no check received by me.

Chase is unable to provide any acknowledgement showing a receiving party that it was received by my Bank, so my bank having never received anything has no ability to trace or track anything. 

Chase is not showing or confirming any cleared check if that is how it was sent. And so there is not confirmation of anything but Chase deducting the funds from my client and no audit trail beyond that.
Consumer complaint received 2024-04-24
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: GOLDMAN SACHS BANK USA (TX)

On XXXX XXXX I went to XXXX XXXX. I got a receipt of {$52.00}, then I checked my balance card and was charged {$75.00}. I disputed the charge and called the theater company and I was told that they used {$20.00} extra on my card as a hold fund. They said, to give it two days, if it doesnt clear I need to dispute with my my bank. The two days passed and I saw that the {$20.00} was reflected off my bank card. So I paid the {$52.00} that I owed on XX/XX/XXXX. Now today, I see that they added {$52.00} that I need to REPAY. Even though paid my owed balance and was told I need to pay again because it was credit given to me that time, even though the balance was readjusted to proper amount and I paid it. I still need to pay regardless that I didnt even use it.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Please see the attached document for a very detailed description of the issue. This is the second time I'm opening the case as the first time around the case seemed to be automatically closed by the system just because the bank has responded. They actually did nothing to fix the issue. The bank charged me ( and keeps doing so ) late fees and interest on a small balance that was paid ( in full ) late because of their own system problems. Due to technical issues on their side they have failed to send me an account statement for 2 billing cycles and also blocked access to my account from my home. They try to place the blame on me and want to extort from me those late fees and interest. I'll pay them nothing more as those are illegal charges. The original balance I've owed has been paid in full.
Consumer complaint received 2023-11-10
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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 it states I have the right to privacy, 15 USC 1681Section 604 A, Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a credit agency may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX been a mayor nightmare XXXX unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Consumer complaint received 2023-04-22
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: CCS Financial Services, Inc. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Credit Collection Services, 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.

I don't owe this company.
Consumer complaint received 2023-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Spoke with Aidvantage on XXXX XX/XX/2023 to request information regarding my discharged loans.

I wanted to know why the loans were still active on my credit report. The loans are showing active balances and XXXX approved me for full loan discharge. On XXXX my loans are showing they stay for 10 years. I wanted aid vantage customer service to assist me in updating the discharge loan information to all credit agencies and I wanted to know when, how and who updated them last if at all. I was spoken to rudely and not given the information requested. 

I requested to file a complaint with aid vantage and the customer service representative said she would email me the paperwork to my email ( XXXX ) I have not received it as if this complaint filing. I also wanted to know why my loans were in the credit agencies cuz they never were in default status!
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I hope this message finds you well. I am writing to seek urgent assistance regarding my student loans with Navient, which have become an overwhelming burden over the years. 

Since XX/XX/2009, I have diligently made payments on over 7 private loans with Navient, totaling nearly 15 years of continuous repayment. Regrettably, despite these efforts, the structure of my loan payments appears to have disproportionately favored smaller, lower interest rate loans, leaving my higher interest loans largely untouched. 

Of utmost concern are my two largest loans with Navient : one amounting to {$28000.00} at a staggering interest rate of 14.5 %, and another totaling {$14000.00}, also at 14.5 %. The disparity between the original principal amounts and the accrued interest is deeply distressing. For instance, my largest loan initially bore a principal of {$12000.00}, yet the accumulated interest has ballooned to an astonishing {$30000.00}. Similarly, the second largest loan, originating at {$10000.00}, has accrued a daunting {$12000.00} in interest. 

As a single mother without external support, the financial strain imposed by these loans has become unbearable. Despite my persistent efforts, the outstanding balance remains insurmountable, compounded by relentless communication from Navient during periods of financial hardship. 

I am reaching out in desperation, seeking guidance on potential avenues for relief or renegotiation of these exorbitant interest rates. The current terms render the prospect of loan repayment unfeasible, and I am left questioning whether I have already repaid the principal borrowed, now struggling under the weight of accrued interest. 

Your expertise and support in navigating this distressing situation would be immensely appreciated. Please advise on any available resources or strategies that could assist in alleviating this financial burden. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution. 

Warm regards, Please help.