davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Blue Cash Preferred XXXX XXXX, 2017 : The company representatives informed me by phone that the Blue Cash Rewards would be credited to my account within 2-3 days. Then the company stated that this " credit '' was not actually available until the next billing cycle. Ergo- there was no credit on the account in 2 - 3 days.
The teleconference was with XXXX XXXX and then with XXXX ( no identifiable number provided ) At best this is misleading, at worst  ...
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center (GA)

Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022, someone in Florida used my card at a XXXX in Florida, charging the card {$160.00} ( three transactions of {$55.00} each ). They blocked the card themselves and notified me of the suspicious transactions which I acted on quickly. I got my card replaced and filed a claim the same day. They have just notified me that they can not approve the claim saying that someone was authorized to use the card when I am the only cardholder and do not and have not been to florida and do not shop at XXXX They need to reinvestigate and approve the claim as they allowed someone to add my card to XXXX XXXX to use at a XXXX in florida without my consent. 

Not just that but they took my access to use XXXX XXXX  without any reason.
Consumer complaint received 2024-04-02
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (NC)

I contacted Freedom Debt Relief about some credit card debt and established a $ 500 month ( {$250.00} deducted on XXXX and XXXX of each month ). After paying this amount for almost 60 months, I contacted them in XX/XX/year> to ask for payoff. I was given the amount of {$440.00} to pay account in full, which I paid over the phone. ( By the way - accurate Payoff information isn't available on their portal ). For the next 30 days there was no money deducted out of my account, so I assumed the matter was in full. Today, {$250.00} was deducted from my account. After calling the customer service number and speaking to three different people, I was given XXXX different answers along with 3 different balances as to what I still owed. According to your website, it appears that this has been an issue with them in the past.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

So I been calling navy federal for a week reagarding a family member check that was deposited in my account I was at a branch in XXXX Georgia and I brought the people in to prove verification it was verify from what the bank teller told me which allowed me to make a withdrawl and the wait time was two hours so I decided to leave now they want them to reverify again and my relatives do not stay with me I work one of them not feeling good they make it impossible to get remainder of funds they two security teams officers personally close my account for the 4 time this week. These two was very unprofessional one of them was a XXXX and she did not have permission to call them after I told her my situation she ask me very personal questions I felt like I was getting interrogated. She cost me great mental anguish and emotional distress. Her name is XXXX security XXXX XXXX And XXXX
Consumer complaint received 2022-06-04
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. (MD)

Last month, I contacted the TransUnion Credit bureau via telephone regarding inaccuracy and inaccurate information pertaining to XXXX XXXX XXXX Account XXXX XXXX, on my Transunion credit report for the months of XXXX, XXXX, and XX/XX/XXXX. TransUnion, representative informed me that all the information is accurate and has been verified and validated. 
How can the account be verified and validated when XXXX, XXXX, and now XXXX Transunion credit report still reflects missing payment dates, missing payments amounts, highest account balance for every month for the years of XXXX, XXXX, XXXX, and the months of XXXX and XX/XX/XXXX, is missing data. In accordance with CFPB... Transunion has and continues to violate the following codes pertaining to me as the consumer 15 USC, 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( 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.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (FL)

XX/XX/XXXX I ordered an automatic trashcan from XXXX, I paid through Affirm the order number XXXX. Estimated delivery is XX/XX/XXXX, hi XXXX have not received my package. I contacted XXXX and they did absolutely nothing. They disregarded my concern, and I got an email saying it was delivered, but it wasnt. A customer agent told me that I would be getting a refund and that a confirmation email would be sent to my email and I received nothing. Reached out, XXXX more time, and I was told that its delivered and theres nothing that they can do and the chat in my face, after I was told that I was getting a refund. I was given the runaround on why I couldnt get a refund. It felt unfair. This is taking a XXXX XXXX XXXX  and all all I wanted was a refund for a package. I did not receive XXXX did not care to solve my problem. XXXX hoping you can help me to get my refund please. Already contacted support more than once, and was given the runaround. XXXX extremely disappointed and I want my money back. I would never use XXXX again. Ive been waiting since XX/XX/XXXX for this to get situated and nothing is being done. I just want a refund. XXXX you failed me and Im looking for for support and support for my XXXX XXXX
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/2022. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.
Consumer complaint received 2022-06-04
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. (OH)

I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.
Consumer complaint received 2023-06-26
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-28
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. (AL)

All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX- Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Dear Attorney General, Sending you the photos statements of the TCF bank that was internet hacked, stealing out my account over {$100000.00} to {$120000.00} Also included is the attorney 's XXXX XXXX 's letter he has sent to TCF Bank. Including is the denial letters from TCF bank, they said i profit from the the person 's that stole my money out of my accounts, which i never did! How could i have profit when my money was stolen from my accounts! TCF bank never put a stop of the money the person 's wired out of my accounts.

I did not know my money was stoien from my accounts for a week when i went to TCF bank, TCF never notified me!

TCF bank sold their bank to Huntington bank, I been trying very hard to have Huntington bank to give me back the money that was wire stolen from my accounts, they said they could not do anything [ nothing ] for me, because TCF bank shut down my account and they have no record of my accounts, I said but i do have the bank statements, but yet Huntington bank wants me to pay back the two fraud checks total {$11000.00} that was sent to me from the sweepstakes scam from XXXX XXXX XXXX bank which i deposit in TCF bank, both checks bounced. How did Huntington bank have this account record from TCF bank, and not my other accounts?

Huntington bank has all my TCF accounts information, they keep lying to me! They do not want nothing to do with me, they told me that they could not help me!

There should be some laws for banks to protect your money, i am hurting, the money was wire stolen from my TCF accounts, Huntington bank should be held responsible to give me back my stolen money, they have my TCF accounts, when i talked to other persons in the dispute department they said they are waiting for my TCF bank accounts, later when i called they told me they found them, now they tell me they don't have any accounts of my TCF accounts, and will not do nothing more for me!

I hope you could please help me recover my money, to get Huntington bank to give me back my money that was wire stolen, from the TCF accounts. TCF bank sold their bank to Huntington bank, they did not care of the money wire stolden out of my accounts!.

I am hurting, please help me get back my money from Huntington bank, that was stolen from my TCF bank accounts. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

The card company claims a XXXX interest free rate, but doesn't tell you about a security payment charge until after it has been applied to the card. 90 days to get refund of all charges. The company does not state you have to accept or deny the security card payment, but requires you to contact customer services to deny the charges in order to receive a refund ( within 90 days ). Also, I had to pay an approx. additional {$100.00} for my ending balance but can not find proof of what that {$100.00} is for. The customer service person was unable to inform. me of the charge as well and couldn't refund it at the time.
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-04-15
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. (MA)

Experian has been violating 15 U.S.C. 1681 by reporting inaccurate credit reports on my consumer file and sharing medical information. They have been sharing my personal information without conducting an investigative consumer report, pursuant to 15 U.S.C. 1681a ( e ). They have never asked for my written consent to do so.

Also under 15 U.S.C. 1681 ( 4 ) by Experian not exercising their grave responsibility with fairness and impartiality, also by them reporting inaccuracies on my consumer file, they have not respected my right to privacy.

Also pursuant to 15 U.S.C. 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating my consumer credit, and they have not done this, nor can they provide me with information that they have done so.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

The problem i have been having with this bank, i have asked for a full disclosure of my accounts that i had with them in 2013 the account was closed and became a charge account. I was told on the telephone that the account was settled and paid in full in XXXX of XXXX was never made aware of anything, I recently went into a branch here in XXXX XXXX XXXX XXXX fl and asked for the full disclosure of debits and credits, the banker only provided me with a statement of debits, i asked if i could get the bookkeeping entries, but i was not provided ant of the documents i requested.I believe this is very unprofessional, I was the depositor of those accounts, I have a right to know how the account was operationing, there are GAAP laws the banks are supposed to abide by in the business of banking. Could you please look into this matter please.I dont believe i was treated fairly. I never even received my original note back from the back when i first opened the account AND MY settled account paid in full..
Consumer complaint received 2022-06-04
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. (OH)

I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.
Consumer complaint received 2020-02-23
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: EQUIFAX, INC. (NC)

I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.
Consumer complaint received 2022-12-18
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. (LA)

My name 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 2022-12-18
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. (LA)

My name 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 2024-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

I made an international money transfer through Remitly. 

I accidentally made the transaction to an incorrect account number on XX/XX/XXXX. 

Reference No : XXXX Bank Name : XXXX XXXXXXXX XXXX  Amount : XXXX dollars I contacted the receiver bank directly and they gave me the information that they already reverse the amount from the incorrect account to XXXX XXXX account by XXXX XXXX XXXX. 

NO : XXXX XXXX ] The receiver bank cant provide any further information beyond this limit and inorder to keep the confidentiality of that unknown account. 
I tried calling and mailing Remitly customer service multiple times for the amount reversal.But even after more than one month time period, I didn't get the refund and misleading with incorrect information.The response that gave me " Their partner/ Delivery bank isn't responding to their email communication. So, they can refund the money until then ".

So please check into this matter. Waiting for your response. 

Thank you.