davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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: U.S. BANCORP (PA)

I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Albert Corporation (OR)

i borrowed {$35.00} from albert app. transferred to my XXXX  debit card. the next month when i had to pay it back, they charged me {$95.00}. i called XXXX  to dispute and got it back. i canceled my albert subscription immediately and deleted the app. however yesterday they were somehow able to charge me {$17.00}. then {$25.00} again today. im not even using the app, borrowing money, i dont even have an account anymore. my boyfriend, i sent him a link to this app when i first got it. he never made an account and it charged him {$15.00} too. XXXX?! fix this
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XX/XX/2023 I booked flights from XXXX XXXX to XXXX to XXXX XXXX XXXX XXXX XXXX and returning from XXXX XXXX to XXXX to XXXX on XXXX XXXX for a total of {$5000.00}. 
Due to bad weather the XXXX XXXX were cancelled. So I had to cancel the whole trip. 
On XXXX XX/XX/2023 I received a credit of XXXX. This was the cost of the XXXX XXXX to South Dakota I never got the credit for the XXXX Flight for {$2700.00} On XXXX XX/XX/2023 I rebooked the flights for a later date for {$5400.00}. The return flight from XXXX XXXX to XXXX was cancelled and we had to book another flight. We were in first class for the original flight from XXXX to XXXX but were in coach for the rescheduled flight. On XXXX XX/XX/2023 I got {$460.00} back for the price difference in tickets. 

On XXXX XX/XX/2023 I contested the {$2700.00} I had not gotten a refund for from the cancelled flight and it was removed from my account. 
On XXXX XX/XX/2023 I was billed again the original {$2700.00}. 
I am still due a credit for the {$2700.00}. 


XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Original Trip purchase price XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX XXXX XXXX Refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Rescheduled Ticket Purchase XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX First Class To Coach Ticket Difference refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX Dispute Credit XX/XX/2023 XX/XX/2023 REBILL CL *Chase Travel Travel Sale XXXX Dispute rebill
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

NEW COMPLAINT For over a month now I had been trying to receive replacement credit cards from Citi. Finally they agreed to send one for me and one for my wife. 
On the XXXX of XXXX I received my card but not the wifes. 
I called and got absolutely nowhere as they said they couldn't use my phone number to verify it was me. No explanation given except that a letter would be sent in the mail with a code. Yesterday the XXXX of XXXX my new card was declined!!! I called again and got absolutely nowhere again. I have had it with Citi and their Professional card which I use to use for business is less than Professional when it is declined. I have called the person, and left messages, who wrote the explanation on my previous complaint XXXX XXXX at CITI several times and have not received a reply as of this time.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Last year I had two accounts that were closed for no reason by Commenity Bank one XXXX XXXX  the second card was a XXXX  MC both cards were always paid on time and I never understood why they closed the accounts my credit report was excellent and I filed a complaint with CFPB. Now any time I apply they have chosen to decline applications by retaliation. The decline are frivolous and I think CFPB needs to come down hard on this bank abuse of power.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (IL)

XXXX XXXX XXXX may be calling you from XXXX ( XXXX ) XXXX XXXX to collect a debt. Submit a complaint and learn your rights FOR FREE today! 


There tactics are deceiving. I do not know what this is about. I am already receiving debt collection letters in the mail. Ive submitted a forwarding address with the US Postal Service. Im retired now, theyll have to wait their turn.
Consumer complaint received 2023-03-03
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. (SC)

I reviewed my Consumer Credit Reports and I noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies must have assumed a vital role and have a responsibility to report Consumer information with maximum accuracy consistently. I have never been late on payments for the account : XXXX acct # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

XXXX XXXX company wrote me a check for XXXX. I deposited this check into my NAVY FEDERAL CREDIT UNION ( NFCU ) checking account XX/XX/23. XXXX XXXX company has shown me where NFCU had cashed the check on XX/XX/23 ; NFCU is saying that they did not cash the check and that the check is fraudulent. They have taken the money out of my account and I can't access my money.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WI)

Hunter Warfield has placed an invalid debt on my credit report and it is causing major detriment on my ability to earn a living. Hunter Warfield is reporting that I acquired a debt with XXXX XXXX XXXX in XX/XX/2018. I am unaware of any debt I could have acquired with XXXX XXXX XXXX during this period of time. As the XXXX and XXXX of an investment conglomerate my personal credit directly affects my ability to provide for my family. Hunter Warfield has not supplied proper notice of this debt nor have they given me a proper opportunity to request validation of the debt prior to causing financial injury to me in the means of submitting the invalid information to the credit bureaus. Hunter Warfield has supplied incorrect information to all three credit bureaus XXXX, XXXX, and XXXX with the intention of causing the most damage to my credit report in attempts to extort money from me for a debt that is invalid. I have not received any billing statements or any proof of this debt prior to it being placed upon my credit report. If this is not corrected in 15 days I will pursue legal action with the XXXX County Courthouse for loss of wages and financial damages caused by their reckless pursuit of this invalid debt.
Consumer complaint received 2019-01-18
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. (IL)

On XX/XX/2018 I received an updated TransUnion credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to TransUnion detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After TransUnion conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was TransUnion able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my TransUnion credit report. This is my final attempt at a resolution with TransUnion regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I previously disputed several fraudulent accounts on my consumer report on XX/XX/ with Equifax, which resulted in Equifax claiming to have verified as belonging to me. I asked for copies of the documents they used in their files to verify the accuracy of these account. They was unable to supply me with any documents verifying this account belongs to me. I also sent a certified letter to The credit card company XXXX XXXX for the XXXX XXXX XXXX which they sent a letter on XX/XX/ stating I was not responsible for charges ( I will attach letter ), but Equifax continues to report this fraudulent account to my consumer report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-05-11
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. (CA)

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all 3 credit bureaus ( XXXX, XXXX, Equifax ) Regards, XXXX XXXX XXXX XXXX*FCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

Discover keeps sending me " pre-approved '' offers, falsely making me believe that the application is just a formality. When I submit the application, they decline it and in the process they damage my credit score. Similar to the " dark patterns '' of which XXXX XXXX was found guilty. 
And then on top of that, they KEEP sending me these offers.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Bank/ Company : Synchrony ( For Mattress Firm ) I diligently make my monthly payments with Synchrony every month. In the month of XXXX I made my payment on XX/XX/XXXX in the amount of {$75.00} ( Min due was {$65.00} ). 
On XX/XX/XXXX I receive notification from Synchrony that I was past due on my account AND I was being charged a late fee in the amount of {$28.00}. 
On XX/XX/XXXX I called Synchrony to find out why my payment on XX/XX/XXXX was not applied to my XXXX bill. The Synchrony agent said that because I made my payment on XX/XX/XXXX which was the same day my statement was generated the payment was applied to the overall balance, but didn't count as my XX/XX/XXXX payment. 
I don't understand how a consumer can easily know that a payment made during a month may or may not post as their monthly payment due based on Synchrony 's crazy payment posting logic.

I made my XX/XX/XXXX payment in XX/XX/XXXX, but now I am being penalized because I made it on  XX/XX/XXXX instead of XX/XX/XXXX!? And I they charged a late fee? 
After pushing and arguing on the call with Synchrony I finally got them to waive the late fee. But an investigation is still warranted because Synchrony 's payment posting process if broken and I wonder how many other consumers were incorrectly charged a late fee because of their broken process!
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (UT)

" Security Credit Services '' is reporting two separate amounts in collections on my credit report. I have sent them two separate requests for validation, as the original creditor was n't one I recognized. The most recent request was sent on XXXX/XXXX/2017, and is attached to this complaint. They have failed to respond in written correspondence, with the information needed to validate any accounts they have in my name, or any amounts they are reporting.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I reached out to Navient on XX/XX/2019 to resolve my student loan and was told it would be in my benefit to pay XXXX $ a month for 9 months to get my student loan out of default in which I did, I spoke with Navient in XX/XX/XXXX I believe and they told me I was to pay one more payment of XXXX $ and my student loan would be out of default, and the student loan is or was out of default, now looking at my XXXX credit report it is showing that there are 19 missed payments which is not true. I have been scammed and would like to press this issue that I have been taken advantage of and Navient has participated against me fraudulently. They took my entire tax refund for 2019 after they said that wouldnt happen.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

On the date of XX/XX/2019 XXXX XXXX  ( XXXX XXXX  ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX  Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX   rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

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. 


XXXX # XXXX - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights UNKNOWN XXXX -Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX  XXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-06-24
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: NAVY FEDERAL CREDIT UNION (MI)

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 
The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S. Code 1666d 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q 18 U.S. Code 8 - 18 U.S. Code 1344 12 U.S.Code 5562 ( c ) ( 10 ) 16 C.F.R. 433.1 ( h )
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Our XXXX statement was scheduled to be paid on XX/XX/XXXXXXXX  since the XXXX of XXXX fell on a Saturday. We regretfully did not have sufficient funds in our bank account for the automatic withdrawal but had every intention of paying the balance in full. It was merely a matter of transferring money between our bank accounts. Chase Bank attempted to pull it again on XX/XX/XXXX, during which the funds still had not been transferred. My spouse deposited the correct amount on XX/XX/XXXX, but by XX/XX/XXXX, the money still had not been debited from our bank account. I called Chase on XX/XX/XXXX to figure out the status of our payment, during which they said to wait a few more days to see if the payment would be processed. I called again on XX/XX/XXXX because the payment still had not gone through. I was told because it was a banking holiday, to wait another day. I called on XX/XX/XXXX because the amount still had not been debited, and upon speaking to the representative, was told that I could make a payment right then. I decided to proceed, only to discover later that a payment in the amount of {$5500.00} was made, which was the balance due for our XXXX statement, not the XXXX statement. I called on XX/XX/XXXX to see if the payment could be reversed, so that I could apply that sum towards the XXXX statement, and they said that it could be applied by having it returned to our bank account. On XX/XX/XXXX, I discovered that {$5600.00} was returned to our credit card, not to our bank account, effectively returning our supposed XXXX payment and accruing interest immediately. On XX/XX/XXXX, I called Chase and asked that my case be elevated so that I could speak to a manager immediately. I was told that I would be transferred, only for the call to drop. I called again, restated my request, and was transferred to a person named XXXX. After explaining my situation to them, they were condescending and rude to me, offering no remedy or even an apology for the situation. I am also suspicious that I was discriminated against since from the outset of our phone call, they referred to me only as an authorized user and even raised their voice to me.