davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NY)

I had an unauthorized charge on my child support card from XXXX back in XXXX of XXXX. I contacted XXXX and they said they couldn't help me because I didn't have the last XXXX of the card number that was used for the transaction so I filed a fraud claim with my bank. 

XX/XX/XXXX my bank reversed my claim with XXXX and took the {$190.00} back from me. I contacted XXXX again and this time had the card number. A representative was able to pull up the charge and verify it was not mine and was not even made through my XXXX account. I advised the rep that I did not authorize the payment and my credit card number was stolen. The rep created a " work '' order and gave me the following reference number XXXX saying I'd receive a refund within a week. I have not heard anything back from XXXX and I still haven't received my refund. 

I contacted XXXX again today and they're giving me the runaround acting like they don't know what this work order number the last rep gave me and nobody will tell me where my refund is. The bank will not give me my money back either. 

I did NOT authorize anyone to use my credit card and I did not authorize this XXXX purchase which they're holding me liable for. I did not receive any products from XXXX and I am not responsible for someone using my credit card without my permission. This is a fraudulent and unauthorized charge and XXXX is refusing to refund my money even though they verified I did not make or receive this purchase.
Consumer complaint received 2023-01-23
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. (MI)

To Whom It May Concern, On XX/XX/2023 I Mailed Experian And XXXX A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. Experian Wrote Me Back On XX/XX/2023 & XXXX On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. 

I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy.

This Is Not A Request For A Reinvestigation.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (PA)

Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, State ID, and detailed document in regard to my claim.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (CA)

I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

i sold a car the person sent me half the money then once they received the car they sent the other half through XXXX i once the money was transferred to my account my bank locked me out this frustrating because im out of a car and the money there telling me to get in contact with the buyer and i can't locate or contact the buyer i really need help with this
Consumer complaint received 2023-01-23
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. (NY)

in accordance with the fair Credit Reporting act the accounts below have violated my rights # XXXX and # XXXX 15 U.S.C 1681 section 602. States that i have the right to privacy.

15 U.S.C section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-12-31
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: Navient Solutions, LLC. (TX)

In XX/XX/2019 I consolidated all of my Navient student loans with XXXX servicing. The new loan appears accurately on my report. However, my XXXX Navient loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to Navient but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Friday XX/XX/XXXX, I went into A 5/3 Branch inXXXX XXXX, XXXX, OH and attempted to get a chashiers check to refund a vehicle purchase that didnt go through to a customer. While waiting for this transaction to happen for 30-40 mins I was approched by security, 2 different staff members and then the manager. The manager gave me the 5th degree and then issued the cashiers check to me. After the cashiers check was given the Assistant Vice President XXXX XXXX XXXX called the fraud department and froze my account. I have called and left messages and no one had responded to me messages. It has been 12 days, no one sigle communication. They have frozen my business account and I am having a difficult time making payroll. I need this resolved immediately.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX  confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

Greetings, I spoke with customer service regarding missing payments on several occasions with regards to payments made in XX/XX/XXXX/XX/XX/XXXXprior to the extension due to a hardship. Therefore the rep advised that I would have to pay interest on the loan since the payment would be moved to the back end. However the additional payments made were taken after the extension was granted. When I inquired the rep advised that it would be credited to my account, which to date has not been done.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank froze my checking account and closed all of my credit cards without justification. They are stating that it has to do with inappropriate contact. If they are referring to the fact that I complained about not being able to book travel on the app and the terrible service I received, that is not a good reason to do this to me. In any event, Chase did all of this without telling me first. As a result, I have no money and I have had payments reversed. There is a ton of money in my account, so nothing should be reversed. My rent payment was reversed. My XXXX credit card payments were reversed. As a result, XXXX has frozen my cards until I can make the payments. Well, I cant pay anything because Chase is holding my funds hostage and they have no right to do that. What they have done is criminal. I am trying to buy a home and this will ruin my credit, especially if my Chase cards are closed and payments are late on my XXXX accounts. I need my money out of that checking account now and I am tired of their executive office call center reps wasting my time.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT 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
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (NY)

block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Navient has : Flagged my bank account as illegitimate, and refuses to work with me or my bank in the matter of proving that my current bank account is a legitimate source of payment, thus, making it impossible to make online payments. 
Hiked up my payments with no reason in doing so. 
Given me inaccurate information when it comes to my interest rates. 
Refused to work with me in lowering my payments. 
And has taken up to two weeks to ask my bank for authorization of my payment, thus putting me in financial duress, and making it impossible for me to pay other bills on time.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2023 I received an interest fee on a statement balance that I paid in full in order to not incur any interest fees and to zero out my balance. The statement balance was paid before the due date and they are attempting to make me pay an interest fee on an account that has been paid in full. They have also stated that their company does not waive interest fees after an account has been paid in full. 

Re : XXXX XXXX
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (NM)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; 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
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-21
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: DISCOVER BANK (CA)

I purchased a camera bundle from XXXX XXXX and decided to return the bundle because it was defective. As a result, I purchased the item elsewhere. I sent the bundle back to XXXX XXXX based on the prepaid return label that was provided to me by their customer service. The day the bundle was registered as delivered to their return facility, I received a call claiming that the camera was not inside when the other products were despite sending back the entire bundle, camera included for a full refund. The representative on the phone asked me what happened and seemed intent on the get-go on accusing me of fraud and the like. XXXX XXXX refused to ever update me on the case as they were claiming that a XXXX   investigation was opened and closed concluding the weight of the package did not change. Yet at the same time, I still do not have my money back with XXXX XXXX repeatedly attempting to pin the blame on me despite sending back what I received from them originally and fulfilling my obligation as a customer to obtain a full refund. I escalated the case with Discover and despite sending back the item with XXXX XXXX 's prepaid return label with full confirmation, they refused to side with me on the dispute. There was further documentation provided by XXXX XXXX where they claimed the " fragility '' of my tone of voice as notation aimed to firmly place the blame on my myself. I can not handle that I deal with XXXX  from XXXX due to being robbed on the phone once before.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY ()

I requested XXXX XXXX XXXX your XXXX to ship my motorcycle XXXX XXXX  year XXXX they proved me with a bank account and all information, I copy past it to my bank to create an account then transfer the money as per there email dated XX/XX/XXXX the total amount {$1500.00} was transferred as per my bank email I provided them but XXXX representative said they didn't receive the payment, I requested them to contact there bank they refused, they asked me to recall the payment I did ask my bank on XX/XX/XXXX to recall the money but there bank refused to release back the funds dated XX/XX/XXXX Account details : Company Name XXXX XXXX XXXX. 
Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Company Email : XXXX Phone # XXXX Account number XXXX Routing number ( ACH ) and ( Wire ) XXXX XXXX  code XXXX Bank address American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I need you to confirm that XXXX  received my money transfer dated XX/XX/XXXX Thank you and regards, XXXX XXXX
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On my credit report this Vendor keep appearing as an open account. I never contacted nor applied for any account with this company. It was opened fraudulent. Company name Capital One XXXX Please assist in this matter. and Have this removed from all Three credit reports agencies. Please assist and block this vendor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act convergent Experian, XXXX and XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b : A creditor 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 2023-01-23
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the XXXX XXXX information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.