davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NV)

onXX/XX/2023, i noticed XXXX  transactions for a total of {$1700.00} dollars total i notified XXXXXXXX and the account was opened in new jersey with my personal information and my debit card and credit card was stolen. a incorrect email thats not mine ( XXXX ) which XXXX confirmed the account was already suspended due to suspicious activity, i told them i didnt want the account suspended but deleted they agreed to do so. I got in contact with navy federal credit union, on XX/XX/XXXX and reported it as fraud a to the bank the bank came back and said that there was no error in anything but yet the cards were stolen so XXXX XXXX theres not going to be a error when the person has your cards in person. i appealed the decision and they came back so i called the number as on the letter got a supervisor and she accused me of being a crook but yet wouldnt provide the evidence against me as theyre not required too and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not refund it because the banks been made aware, and the bank is saying XXXX is liable as they were made aware of the fraud. XXXX and the bank are both XXXX XXXX  and ive made both aware of legal action for the negligence of the protection, XXXX  shouldve blocked the transaction as it was XXXX deposited in 5 transaction in less than 30 minutes.
Consumer complaint received 2022-11-02
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE (CA)

I am very upset with western union money transfer company. when transferring money internationally and they are not willing to give the receiver the currency in dollar instead they benefit from rate exchange by setting their own rate and absorbing the remaining fund for their own greed and benefits even though the rate in the designated country much higher. Also on top of that western union charge another fee for wire transfer, for example I used them before where they used to give the receiver in dollar currency but now everything changed for their own benefits and without any valid explanation. Recently I send {$1400.00} to XXXX to help family member with eye XXXX they used to charge around $ XXXX on average but now they do the rate exchange by ripping me off with over {$75.00} for the amount noted this would cost over {$90.00} to send {$1400.00}.
Consumer complaint received 2024-01-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

I have XXXX $ I am trying to withdrawl from my account but my account is restricted For my safety I asked them to lift the restriction that they told me to sumbit bank statements which i did. ( Sumbbited XXXX statements all from diffrent banks ) Robinhood is now not answering any of my emails.
Consumer complaint received 2022-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (GA)

I apparently had a XXXX dollar debt with XXXX XXXX  XXXX XXXX  that I was never notified about. They sent it to frost Arnett and they called me saying they sent out a letter on the XXXX of XXXX but I never received a letter.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2024 I was a victim of bank account fraud and {$3900.00} was stolen out my bank account Wells Fargo notified me of the pending transactions and I denied both of the charges towards my account and told them that it was unauthorized the withdrawals was from someone in XXXX XXXX, FL. I dont live in Florida I live in XXXXXXXX XXXX XXXX XXXX 

But I got a text message at XXXX pm stating that someone was trying to take {$500.00} out my account at XXXX then someone from a Wells Fargo phone number called me then I told them what was going on and that the transactions were not authorized and they told me they would handle and the {$3900.00} was still taken out of my savings account. They had my card number, phone number and all my bank information and was able to send me text messages as well. From the Wells Fargo System. 

I notified the bank that it was not me an I dont keep large sums of money in checking account for that reason and when I contacted a banker the next day XX/XX/2024 she notified of the transactions where cancelled.
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX ( in the amount of {$3000.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$220.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 an account without my written instructions.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (PA)

I am writing this letter today to inform your company that I have inaccurate names, addresses and accounts reporting on my credit report that need to be removed. I never authorized any of this information. Your company does not have the right to report my privacy nor take action against unauthorized transactions. I did not give this company written consent to my credit report nor did I give this company written consent to have access to my consumer report. Please follow the following FRCA laws that instruct this information to be removed : - 15 usc 1681b ( a ) ( 2 ) No permissible purpose/No written instructions -Privacy act of 1974 Cc : CFPB XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX FTC XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX pa XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: Tesla, Inc. (CA)

Hello team, am trying am begging Tesla finance from 4 months till today to report my tesla auto loan to credit bureaus, I'll submit their emails, they always tell me that Tesla does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted XXXX they said let Tesla finance send us your information, I'll attach also the XXXX conversations here. 
Am stuck in between, and I need Tesla finance to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless you
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Management Holdings, LLC (CA)

The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated ; 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (UT)

I have an account with Care Credit and a charge was made in the amount of XXXX for dental with with XXXX XXXX XXXX. There was an issue with the minimum payment due being much higher than I was told by XXXX XXXX XXXX and both myself and XXXX XXXX XXXX were on a 3 way call with Care Credit to resolve the payment issue and it was agreed to on the call that it would be worked out that the minimum payment due would be around XXXX dollars. Care Credit says that they have fixed the problem and my minimum payment due is XXXX which is much higher than what was promised to me.
Consumer complaint received 2022-11-02
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 (TX)

I have Wells Fargo business checking account for around 5 years. It has a requirement of {$500.00} minimum balance. Wells Fargo charged me {$10.00} standard monthly fees even when the average ledger balance was {$500.00}. 
I called Wells Fargo today morning but the representative refused to waive off this {$10.00} fees.
Consumer complaint received 2020-09-27
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. (GA)

Im disputing this account on my Experian credit report as fraud, the account ( XXXX XXXX XXXX ) for  XXXX dollars my name has been by XXXX XXXX XXXX in the past I have filed a complaint with the FTC .and the XXXX   XXXX  thats why Im no longer a customer.XXXX XXXX XXXX has open lines of credit on my account when I was with XXXXXXXX XXXX XXXX and checked my credit illegally with out my consent I want this account removed off my credit report because its fraud and doesnt belong to me, whoever reads this from Experian this is XXXX XXXX XXXX and i am filing this complaint, now dispute this account and have it removed off my credit .I will send screen shots and FTC identity theft report in this complaint
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.
Consumer complaint received 2022-11-06
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. (CA)

In accordance with the Credit Reporting Act XXXX Account reported by XXXX XXXX XXXX reported for the months of XX/XX/2018 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

On XXXX XXXX, 2024, I was shopping at a JCPENNEY 'S store at a local shopping mall and was in line to check out the items I was ready to purchase. Upon checkout, the clerk offered me a thirty-five percent discount on my order. At no time did the checkout clerk reference the stipulations of said discount. I would like it to be known that my wife was the person making the purchase and I was called to the checkout counter for the transaction. The checkout clerk asked me for my license and date of birth and stated it was for the discount above, to which I obliged. After entering my information on the store 's payment machine, the clerk told me I would get a response in 10 business days. I asked her what this response was, and she replied, " They need more information regarding your credit report. '' I informed the clerk that I did not want a credit check performed, and the clerk told me it was not a credit check ; I was then alerted of the hard inquiry on my credit reports. As the clerk explained the discount, it was my understanding that this was to sign up for the store 's loyalty program and NOT a charge card. The exact name of the inquiry on my credit report is SYNCB/JC PENNEY PLCC ( Hotel and travel ). I did not and do not want this inquiry on my credit report, as I was led to believe this was for a loyalty program and not a charge card for the store. The clerk misled me.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WA)

Discover card has been profiting off of a intentional software low point. The payment due date is normally set by the customer and the app and website presently have XXXX that feature. For several months now I have been requesting to change the due date so that I can pay my balance back to XXXX and instead discover card is profiting with an interest charge because I am paying the day after the due date! I have been a long time customer I am familiar with the processes and I see this as a bald-faced profitable function. The software is abusing me as a customer so that discover card financial can profit off of this interest.
Consumer complaint received 2023-06-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (FL)

I was living in the XXXX XXXX XXXX XXXX XXXX Michigan, and at the time I was visiting my daughter in Florida so I received a call from them stating that I was being evicted because my grandson had a bbq, and smoke got in the building, and the fire department report stated light smoke so upon returning home, i received an eviction notice. Ive lived there for 11 years. I got a letter from the apartment stating that there were damages done to the property, but there are some things that were not true about damages I never damaged the apartment, I also have pictures of my items damaged in my storage unit from a ceiling collapsing. Now Im homeless because of what is on my credit report and I am a XXXX XXXX XXXX with multiple XXXX and XXXX XXXX I need to be in a stable home please respond sincerely, XXXX XXXX!
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 2017-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Opened the credit card because of the promotional offer. Spend {$4000.00} in the first 3 months and receive XXXX points. I spent the {$4000.00} in the first 2 months but the points never came. By the time I called to find out why I didnt get the points they told me that the XXXX XXXX  yearly credit card fee was not included in the {$4000.00} and that because of that I was {$62.00} short of the {$4000.00} and I was now outside of the 3 month promotional window. 

This is a classic bait and switch by Capital one!!!!
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have my mortgage with MrCooper. I am trying for months to arrange an appointment for an appraisal in order to be allowed to drop the PMI of the mortgage. Eventually, I managed to submit the request for the appraisal on XXXX, XX/XX/XXXX. I was told that someone is going to contact me to arrange the day and time of the appraisal. No one did that. So, today ( XX/XX/XXXX ) I called to MrCooper again in order to follow up with my request and arrange the appointment for the appraisal, but I was told that I will have to wait for 30 to 45 days for someone to call me for the appraisal.