davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I want to transfer funds from my GoProgram account to my bank account but am unable to do so. GoProgram instructs cardholders to initiate transfers by calling their customer service number or visiting their website, but both options do not provide/list the option to do so. I am unable to reach a non-automated operator and would appreciate assistance. Thank you!
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Hi. I've had a USAA " Limitless '' card for many years. The card offered a XXXX XXXX rewards cash-back, which required a qualifying direct deposit. 

I recently noticed that I was only earning XXXX XXXX cashback, despite continuing to have a monthly direct deposit with USAA. This appears to be going back at least into last year. 

I've looked back over the disclosures that USAA sent me, and I don't see any notices sent to me disclosing this. I did find one notice in XX/XX/year> saying that the rewards program would be changing their technology, but it does not say anything about the rewards rates changing ( I've attached that notice ). 

It is frustrating -- because if I had known that they were reducing the benefits -- I would have stopped using the card ( and also stopped my direct deposit ). 

I tried reaching out to USAA to find out if they actually disclosed this to me, and when. ( I still don't know how long ago this change occurred, because their rewards website does not have enough historical data ). However, their website doesn't seem to have a secure messaging feature any more ( or at least I can't find it ), and the online chat feature appears to be broken or has unresponsive non-human agents. 

Ultimately, I just want to make sure that USAA knows how unhappy I am that they made this change without a prominent notification to users like me. I an annoyed that I continued to use such a sub-par product without knowing the terms had changed. And, I'd like to find out if they did actually send me a disclosure about the change, and when.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

XXXX XXXX  IQ  national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and wants for another company before II contact ikioo national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and once for another company before I can get my story out or my explanation. I was rudely interrupted by the representative who told me that it is not her problem, nor is it her job to figure out why the balance is on my account twice and that if Im not calling to make a payment or to pay the balance off, she has nothing to say to me. I began to tell her that she was acting very rude and ask because she transfer me to someone else. She insist on harassing and bullying me in offending me, telling me that Im the one who has that that I need to have paid not her that is my job to pay what I owe in which I tried to explain to her that I will pay. It wants to matter is resolved she didnt tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again, she told me And ask because she transfer me to someone else. She insist on harassing and bullying me and offending me telling me that Im the one who has debt that I need to have paid not her that is my job to pay what I owe in which I try to explain to her that I will pay it. Once the matter is resolved she then tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again she told me that she would not transfer me because she would not allow me to waste anyone elses time she insist that they have tried to call multiple times, and I have hung up in their face which is not true, but I do have their number blocked because they do call me at many hours of the day even when Im trying to explain to them on the phone that I cant pay the balance right now they are very pushy and rude telling me things such as figure it out go out there and find the money. I once again asked to be transferred and she told me that shes not transferring me and if Im not calling to make that payment, then she has nothing else to say to me. Im simply trying to get this matter resolved I have a debt on my account. The same debt is on my account twice for two different companies for two different totals for the same account.
Consumer complaint received 2020-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MN)

I am having an issue sending a maximum transfer and receiving a maximum transfer on via Venmo using my bank or credit union debit card to send money to friends via Venmo. I want Venmo to give me access to send or receive the maximum of money using my bank or credit union debit card via the Venmo app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Venmo XXXX Debit Card Account Number : XXXX
Consumer complaint received 2020-01-07
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. (IL)

An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

When I started paying my student loan payments 8 years ago after   XXXX   school, I asked them repeatedly about the   XXXX   loan forgiveness program. I knew that I worked at a   XXXX   XXXX   XXXX   XXXX   and that after 10 years, my loans could be forgiven. Ive spoken to someone a t Navient every year since then, multiple times. It was n't until this year that someone notified me that I had to be on an Income Ba sed repayment plan for this to occur. So, despite the fact that I had asked them about the best way to set myself up for this loan forgiveness program, no one ever told me it had to be income based repayment plans. So now, I have to start all over in repaying 10 years of payments. It seems crooked and shady and my loans are not even going down. It feels like they just ripped me off to get more money.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A dispute letter regarding the illegal reporting of my late payments and credit utilization was sent to Capital one by me via certified mail on XX/XX/2024. Today is XX/XX/2024. Due to me not having received any correspondence to my letter I called customer service, specifically the dispute department to make sure the company did indeed receive my letter. Within the phone call time frame I spoke to three representatives. The first two representatives did confirm receipt of my letter. However, I continued to be transferred beyond the dispute department, reasoning being I needed to be connected to a department that could better serve my concern. Once speaking with the third representative she confirmed my identity, asked me the reason for my call which I then proceeded to ask her for confirmation of the receipt of the letter and an update on the dispute. After having me on hold for several minutes she then explains to me there is no information in her system regarding the letter I sent in. I told her the previous representative told me that the letter was received. She said there's nothing she could do and the phone call was ended. There is much confusion revolving around the receipt of my dispute letter.
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NY)

XXXX I took a loan with XXXX in XXXX XXXX, {$15000.00} at 18 % interest. {$2800.00} was used to pay off a loan balance with XXXX that I took out XXXX for {$5900.00} at 20.918 % interest. 

The remaining {$12000.00} was used to pay off some smaller debt to position my husband and I for success. He had spent 17 months XXXX with the XXXX XXXX XXXX in XXXX and was having a hard time adjusting being back to civilian life. This loan helped us pay bills without too much financial stress while he took some time to heal from the death of his father during his XXXX. 

In XXXX, we unfortunately, separated and I moved out. He filed bankruptcy and I struggled to live day to day working full-time but not making ends meet. XXXX I contacted XXXX to share my XXXX and I was granted a loan modification. 

In XXXX XXXX bought my loan from XXXX. They also granted me a modification after jumping through all the hoops they asked me to jump through. 

Sometime between XXXX - XXXX my loan was bought by One Main Financial. Several times I contacted them questioning why after paying on the loan since XXXX was it not paid off. I had paying on this loan for 15 years! 15 years. 

In XXXX I requested a printout of what I have paid to date. From XXXX to XXXX the principal was decreased to {$10000.00}. I kept paying though. At some point in XXXX XXXX XXXX had removed the interest from the loan so I was just paying principal payment of {$110.00}. 

In XXXX I had enough. I stopped paying. Responsible me struggled with this decision. At the time my father was placed in a nursing home and was diagnosed with XXXX. It is my sole responsibility to make sure he was being cared for properly and being respected in his new living environment. I was overwhelmed and I gave up mentally and emotionally. 

I wish I would have filed this complaint before now. I have worked very hard to bring my XXXX XXXX up from the XXXX it was after leaving my ex-husband. I have paid back close to {$50000.00} for a {$15000.00} loan that wasn't even a mortgage. Help please. 

Thank you, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (TX)

I went to change a check of the amount of XXXX $ to the western union that is located on lXXXX XXXX XXXX XXXX XXXX XXXX  and the charge me XXXX to change it I think thats to much money
Consumer complaint received 2020-01-07
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. (FL)

My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

Equifax inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXXXXXX closed my account ending in XXXX with an outstanding balance of XXXX which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXXXXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which Chex Systems and XXXX XXXX XXXX are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXXXXXX XXXX 's response letter ( attached ; page 2 ) which states " Our records do not show any fraud claims being filed with XXXX XXXXXXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX  XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I understand there is a consumer class action lawsuit against Wells Fargo for overuse of fees/overdraft fee and NSF fees XXXX I am very much affected by this and would like to be added to this class action case.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23 i purchased a white shirt for {$55.00}. As of today the shirt has not been delivered and the company ( XXXX XXXX ) has not responded to multiple inquiries of mine. I went to a Truist branch on XX/XX/23 to inquire about this transaction and was told to give it a few more days and if the shirt was not delivered than to file a dispute. I waited until XX/XX/23 and I filed the dispute as instructed by the Truist representative. I now know that I was provided incorrect information by Truist because according to Regulation E, I must submit this dispute within 60 days of my statement date of the trans which was XX/XX/23. The teller misled me and it has now been more than 10 business days since my dispute of non-receipt of merchandise and Truist has not decisiones the dispute or provided me provisional credit.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

CREDIT COLLECTION SERVICES ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Amount is XXXX The company reported this amount owed to XXXX XXXX to all 3 of my credit reports without verifying its mine and belongs to me. The company is refusing to remove off of my credit reports.
Consumer complaint received 2022-01-27
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. (MD)

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experian ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX