davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (FL)

On or around XX/XX/2022, I applied, over the phone, for a business credit card through XXXXXXXX XXXX. The customer service person, " XXXX '', asked a series of questions after which, based on my responses, she advised she did not foresee any reasons for denial. XXXX advised she would called me in 1-2 days to advise of the status. After about XXXX XXXX weeks had passed, I called to follow up, as I had not heard back from XXXX. I spoke with another bank representative who advised that my application was denied ; however, could not give a reason, and advised me to wait for the denial letter. When I received the letter, I called XXXX and spoke with XXXX regarding my concerns that I was denied for reasons that did not apply to me. XXXX then advised that the reason for denial was probably due to my credit score not meeting their minimum XXXX requirement, and that my score was reported to be XXXX on XX/XX/2022. I pointed out that my credit is monitored by my bank and at no time during the past several months was my score below XXXX ; however, XXXX insisted this was probably the reason. I know that some lending institutions have discriminatory practices, and I just want to be sure that I was not a victim of same.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has failed to provide proof funds were received from a closeout check reissued on XX/XX/XXXX, delivered the following day on XX/XX/XXXX. Prior to this, a check in the same amount of XXXX was mailed on XX/XX/XXXX, received on XX/XX/XXXX, the day before I left for vacation. This check had a stop payment placed on it prematurely, Capital One reps did not allow enough time for first check to receive before placing stop payment, reissuing it. I left for XXXX XXXX the morning of XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX Airport at XXXX XXXX, XXXX XXXX can be reached at XXXX. I have attached a statement from Mr XXXX stating he picked me up on said date and time, the itinerary from XXXX is also attached. I spoke with a supervisor named XXXX on XX/XX/XXXX, he stated if check was in fact intercepted and cashed by another party as it was then I am still owed funds by Capital One, he requested a replacement check. A reply from another rep, XXXX, states no check will be sent. Prior to this, I've requested Capital One review signatures on both checks, they will see signatures do not match. This was requested yet again, Capital One requested additional time to respond, then turned around and marked complaint as a duplicate. They fail to recognize this fact, my signature was forged, if they did so, they would have to reissue check.
Consumer complaint received 2022-12-27
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. (PA)

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

please investigate inquiries from NFCU XX/XX/2022 and NFCU XX/XX/2022 & XXXX XX/XX/2022. if these are inproper accounts please remove them.
Consumer complaint received 2022-12-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score dropped XXXX points for the month of XXXX, when I called TransUnion to get more inside information as to why this is happening they told me to call the consumer finance department. I got my credit report and nothing looked out of place I want to know why it dropped a significant amount and if there is money owed that I'm unaware about.
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX, XXXX XXXX ( Customer ) purchased merchandise from us and paid via PayPal. The Customer transaction ID is XXXX. In XX/XX/XXXX, Customer reported a problem with the merchandise and was instructed to rern the items for a refund. Inexplicably, Customer opened a chargeback with his credit card company. The chargeback caused Paypal to debit our account in the amount of the purchase- {$82.00}. We explained to Paypal that we'd gladly refund the Customer as soon as they return the merchandise, which to date has not been returned. On XX/XX/XXXX, Paypal closed the case, stating " we can not dispute this transaction any further ... ''. 
So now, were out the money AND the merchandise. 
We ask that PayPal refund the XXXX to our account XXXX.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (WV)

On XXXX XXXX I transferred fund to XXXX to my brokerage account, I got notification from Chime indicating the direct debits Had been completed. A few days later I got notification from XXXX that no funds had bee recieved to my account accept the smaller {$10.00} deposit I made 4 days after the larger deposits. Chime says the money has cleared XXXX XXXX but my records indicate different which has caused me a deficit to my brokerage account. A direct debit is suppose to be immediate, I am not sure what is going on here but this is not right. I tried to remedy the situation with Chime they stated there was a reversal.which should have never happened because there was no point in which funds were not available. # XXXX. I placed a dispute with chime back on XX/XX/XXXX sent in proof as of receipt and receipt from other company toe prove claim, chime stated it would be XXXX, after the XXXX was up I got any message stating it would take up to XX/XX/XXXX, this is not right. How can I file an FDIC insurance claim on my account since I have incurred damages due to the fault of Chime. I have asked Chime this many time and they will not answer my question. This is fraud please help
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 a Hacker contacted Experian and pretended to work for a debt collection agency. 
At no time did the agent with Experian and took the call, asked this Hacker to provide proof of identity and their employment with the debt collection agency. 
It wasn't until XXXX XXXX XXXX  that Experian decided to email me and inform me that they had decided to alter my credit report due to the information that was provided by this Hacker. 
At no time did the agent for Experian and prior to altering my credit report, checked to see if this fake debt collector was in compliance of the law. Specifically Regulation F.

Experian claims to protect consumers and offers all kinds of services to do just that. I am coming to the conclusion that this negligence by Experian happened so that I would become scared and purchase at least one of their offered products. 
In fact, I was offered a {$50000.00} product guarantee if I signed up for one of their products. 
This enticement induced me into accepting a defective product.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

I have an XXXX XXXX Secured Credit Card, issued by Synchrony Bank. 

On my XX/XX/XXXX statement I incurred a {$29.00} late fee and interest charges in the amount of {$7.00}. I did not recall getting my statement via the U.S. Postal service but assumed I must have missed it. I contacted Synchrony to ensure I was on paper billing and they indicated that I was. 

On my XX/XX/XXXX statement I again incurred a late charge in the amount of {$40.00} with interest in the amount of {$9.00}. I did not receive a paper bill again. 

I rely on paper billing for companies I do business with ( old school I know ) and as of last week my XXXX  credit score received via my XXXX XXXX account has my rating at XXXX. 

XX/XX/XXXX I again contacted Synchrony via their chat services and corresponded with XXXX XXXX ( Chat ID XXXX ). I was told that I was on paperless billing. I never changed my election to non-paper billing and asked why it had been changed. I did not get a clear answer but was offered that they would refund the late fee and interest charges. And she assured me that I was now on paper billing. 

XX/XX/XXXX I contacted Synchrony and chatted with XXXX referencing my previous chat ID number. I told her that a credit for the interest in the amount of {$9.00} was posted to my account under the activities portion with an effective date of XX/XX/XXXX but that the {$40.00} late fee had not posted to the account she assured me the {$40.00} late fee was credited to my account and I asked where was it on the account for my review. She never really gave me an answer but while chatting with her she turned off my paper billing and put me on paperless billing. When I asked her why, she indicated I had answered yes. I had answered yes to her prior question. I then asked to be transferred to a supervisor. I was transferred to an Account Manager named XXXX XXXX. I again went through my questions/concerns regarding the credit and do they systematically remove customers from their elected billing preference. He indicated no, I again asked for confirmation in writing and again was not proved the requested information. He indicated that the credit for the late fee was indeed on my account and would be on my next billing statement and that I was back on paper billing. 

XX/XX/XXXX my monthly billing statement posted to my account with a closing date of XX/XX/XXXX. Upon my review I see the {$9.00} interest credit posted with an effective date of XX/XX/XXXX. However, the {$40.00} late fee is not on the statement. I start a chat with XXXX XXXX again going through my issues. She also tells me that they do not systemically remove people from paper billing and she assured me the credit was on my account and that I was on paper billing and would receive my XXXX statement via the postal service. I again asked where I could see the credit on my account and was not given an answer but again she reassured me it was taken care of.
Consumer complaint received 2022-12-27
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: LendingUSA (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account Lending USA ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from Lending USA for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Consumer complaint received 2020-01-08
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: AMERICAN EXPRESS COMPANY (NY)

1 ) An ordinary monthly payment stated by and due to American Express was made in full by this 30+ year Amex cardholder on XXXX XXXX, XXXX. 
2 ) The amount due was {$580.00}. 
3 ) American Express received the payment made by check on XXXX XXXX, XXXX, and deposited the check on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, American Express emailed that they had received and been credited this payment. 
4 ) Nonetheless, American Express is falsely claiming through XX/XX/XXXX that this {$580.00} payment still is due. 
5 ) American Express is engaging in this billing fraud and billing harassment via email messages - including threats of credit bureau reports - USPS mail and during phone calls made to gain a corrected payment statement. 
6 ) Most recently, American Express mailed an unresponsive reply to my Amex-webmailed billing dispute, with a letter from XXXX XXXX that stated the {$580.00} was paid -- and still due.
Consumer complaint received 2022-12-13
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: World Acceptance Corporation (GA)

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes. 

I have reached via letter several times to rectify these issues, but have not received any valid updates.
Consumer complaint received 2022-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I paid off my loan during COVID to the tune of about {$10000.00}. I called FedLoan and requested that they refund my loan from XX/XX/XXXX until XX/XX/XXXX in late XXXX. I never heard back from them and I called to see what happened. They stated on XX/XX/XXXX the Department of Education approved the refund and on XX/XX/XXXX my loan was transferred and the process had to restart with XXXX. I asked FedLoan to send records of this and they said they would but they did not. I called XXXX and they said that, because my loan was paid off, it would not be in the system until XXXX. I need this money refunded because I am going back to school and my marital status will change in XXXX and that will impact my ability to get financial aid.
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with Equifax and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

on XX/XX/XXXX I registered for the promotion from American Express : spend {$5000.00} until XX/XX/XXXX and get XXXX   starpoints extra. 
Points are still not received. Amex has been contacted many times but they did not give any answers.

I want them to post required points and XXXX  points more as a punishment and a compensation for the time spend with communication with AMEX
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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 XXXXXXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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)

My name is XXXX 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 XXXX XXXX Code XXXX 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 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.
Consumer complaint received 2022-12-27
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. (VA)

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.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.