davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I was making a purchase at XXXX XXXX  XXXX when they asked me if I would like to apply for a credit card when making my purchase to receive a 20 % discount on my purchase of some XXXX dollars. I agree. Then they billed me on the credit card I just bought. I took home my item that I would later find defective. It took me a few months to return the item because the store is some ways away from home. In the mean time I got the statement which I did not pay because I had intended to return the item sooner but I had other matters in life. If I paid the first credit crd statement and I returned the item. I would be issued a credit instead of cash. Or at least I though. So I notified the credit card comp [ any of my situation. They agreed to wave the late fee. Then I returned the item and the XXXX dollars was issued back to my account. I received a few more statements over the months and simple threw them away, seeing as I had not purchased anything with the card. I was sent another one last week and opened it to see why they kept sending me statements. I saw they were saying I owed them XXXX dollars. I called them to ask why. They said because I was being charged a late fee on interesest charged off a cancelled late fee. Doesn't make any sense to me. So I am here to complain. The bank that XXXX XXXX XXXX uses is XXXX XXXX. I see many other people are complaining about them as well.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (TX)

XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. 

I tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. 

I finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.
Consumer complaint received 2021-09-16
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MT)

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE TO APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " XXXX XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. ALLY FINANCIAL ON XX/XX/2021 XXXX. XXXX HILLS XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021
Consumer complaint received 2019-08-20
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. (IN)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and Public Information: Chapter XXXX  Bankruptcy: XXXX
Consumer complaint received 2018-10-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

During a recent dispute with the company, I sent out 4 letters via certified mail and did not receive a response. Final notice, intent to file suit sue was sent on the XX/XX/2018. Prior to that, I sent the 3rd dispute letter on the XX/XX/2018, a 2nd dispute letter of the XX/XX/2018, and initiated the dispute process on the XX/XX/2018. I received no response or remedy to said letters or issue.
Consumer complaint received 2022-05-03
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)

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 XXXX, XXXX 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 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 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (NJ)

last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.
Consumer complaint received 2022-10-18
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: SUNRISE CREDIT SERVICES, INC (CT)

# XXXX Sunrise Credit Service XX/XX/XXXX open account hit my credit report XX/XX/XXXX Amount {$560.00} for a XXXX  account. 
When i reached out to Sunrise Credit Service they tried to sell me a service to restore my credit. XXXX couldn't give me any help because it was in collections with Sunrise. Owner of this account is from Texas. 

# XXXX XXXX {$2200.00} for a wire line account, hit Credit report XX/XX/XXXX XXXX fraud was notified XX/XX/XXXX and waiting on their reply. XXXX take XXXX business days. 
Owner of this account is from XXXX New Jersey. 

I have never lived in either state, never open any accounts with XXXX. We had in XXXX 's had a XXXX account I believe, it would have been a cell phone account for XXXX or XXXX  years.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC (OH)

I started working with XXXX XXXX ( NMLS # XXXX ) of XXXX XXXX back in late XXXX of 2020. I paid for an appraisal for my home, in the middle of processing my loan he switched companies, told me he couldn't transfer the appraisal to his new company. He did not offer to give my loan to another person at his former company, which meant I had to get a new appraisal with the new company. He originally quoted me a rate of 3.125 with his former company, but when the loan was about to close the rate went up to 3.75. Because of his bait and switch tactics I decided to not go through with the loan and now he is threatening to send me to a collection agency if I don't pay for the second appraisal.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (TN)

On XX/XX/18 I spoke with a customer service rep with American First Finance to process a payment. I have an agreement with said company for automatic withdrawal on Friday 's once a week from my bank account. However, my employer changed thus changing my deposit status from direct deposit to a prepay debit card. Therefore, when I made a payment via telephone with customer service I authorized them to make a 1 time payment from the prepay debit card as the funds were no longer available in the original account authorized. Then on XX/XX/18, XX/XX/18, & again on XX/XX/18 American First Finance made additional withdraws in the amount of {$46.00} from my debit card without my  written, verbal, or expressed permission. I contacted American First Finance on XX/XX/18 in regards to this matter & asked they review the recording from when I made initial payment from my debit card to verify I never gave them permission to make any further withdraws from that card yet it was taking place. After reviewing the recording the manager on duty told me I did not specifically tell them not to keep my card number on file so it was automatically added as a method of retrieving payment. I explained to her I didn't specifically give them permission to save my card information either but in fact both according to their recording and my statement the agreement was for a 1 time payment & I further questioned the legality of their actions. Her response to me was that " it happens ''. That was the end of our conversation. So my question is to the legality of this situation. Being, if I have hidden a key to my home outside my house but give an acquaintance permission " 1 time '' to use that hidden key and enter my home yet, on their own accord they choose sometime in the future to re-enter my home without my permission did they some how have an expressed permission to re-enter my home because I gave them permission " 1 time ''? I don't believe that would be considered legal neither do I believe it is legal for American First Finance to re-enter into my debit card account without my written, verbal, nor expressed permission.
Consumer complaint received 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I purchased concert tickets through XXXX, total cost {$XXXX}. Due to the pandemic, the concert was postponed several times. I purchased the tickets with my Wells Fargo debit card. 

In XXXX of XXXX, some hackers compromised that Wells Fargo checking account, and the bank made me close that account and open a new one. 

On XX/XX/XXXX, XXXX notified me that the concert had been cancelled. They said refunds would issue shortly. When the refund was not issued within the promised timeframe, I contacted XXXX and they claimed that they issued the refund on XX/XX/XXXX, returning the funds to the account I had used to purchase the tickets. That is impossible, as that account had been closed about a year earlier. I asked if they could issue a refund to my current checking account ( which XXXX currently has on file as my primary checking account ) and they say they can not. 

I contacted Wells Fargo, filing a formal complaint, and they said they can not help, and that I have to go through XXXX. An obvious XXXX and no one is taking responsibility. 

I am entitled to this refund for the cancelled concert, and it is not my fault that XXXX and Wells Fargo can not work it out between them. 

Thank you for your time and attention.
Consumer complaint received 2024-02-06
Product: Credit reporting 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)

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Financial XXXX XXXX store credit card I am only opted in to receive email alerts when my payment is due in two days. I never received an email to make a payment, missed it and was charged a late fee. 

I am not opted into receive text messages about my account, but am receiving texts about my late payment and to make it now. 

I am concerned that they are not sending emails to other consumers so they can charge them a late fee and then report them as missing payments to the credit bureaus.
Consumer complaint received 2018-04-16
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: CITIBANK, N.A. (FL)

I paid two companies for an at home business opportunity.The first one was XXXX XXXX who took XXXX dollars from me and never rendered me any services. The second one was XXXX XXXX who took XXXX from me and rendered me no services.XXXX XXXX was on XX/XX/XXXX.XXXX XXXX was on XX/XX/XXXX.I think there should be no reason XXXX would look into this for me.Both these companies lied to me and robbed me.If a company does not render services i must have some recourse with XXXX   my card.XXXX should not let these people operate a merchant account.I explained to both these companies I am XXXX years old and they insisted I would not have to work at this.I also spent 36 years in the service.This is defrauding the elderly if nothing else and XXXX should act accordingly.If services were never rendered .How is there a time frame when no services were rendered.My bank should do the right thing.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Good morning, I'm attempting to pay off loans that are serviced by Navient. The loans are distributed between US Department of Education, and Navient. Navient 's website will not allow me to add a bank account to direct pay on the loans. The loans on the website in account details do not specify which loans are Dept. of Ed, or Navient. If I submit payment directly, the monies are distributed to their specifications increasing the interest gained off of each loan. I don't believe this to be in fairness of the consumer ; consumers should be eligible to pay loans to save money on interest. I've attempted contacting Navient twice about their broken website, but have not received any response back. Meanwhile, I am paying interest for loans they are preventing me from paying off.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-03
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)

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 XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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 2022-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

I was sent money thru cash app from my sister, I am XXXX as far as trying to figure some things out sometimes. So I called cash app and explained that I could not Access my account so they helped me to open a new cash app account on XXXX XXXX and said that they will transfer my money that my sister sent me to my new account so I could get my hotel room because I was in a different city and state and I knew no one here and I had a flat tire even. I told cash app this and the manager said not to worry. I've not received any of the money that my sister has sent to me to date. I had to sleep outside that night because cash app took my money, I have begged them to give me my money and they will not due to security reasons they won't tell me about. I am severely XXXX in my health because cash app did this, I was in ICU the following days because I developed XXXX due to being stranded and having no money or no way to receive money due to cash apps abuse. I do believe they saw my accached debit card as my social security payment card. And took my money as they do other people 's with XXXX. I've asked cash app and my sister that sent the money has almost begged cash app to return the money on my account that cash app has closed. For security reasons they will not tell me about.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase continually defaults my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. I have not received ANY statements for any of my savings or checking accounts at JPMorgan Chase for several months now. I have escalated this matter with the bank. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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