davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (WA)

We hired XXXX XXXX XXXX to move our belongings from XXXXXXXX XXXX XXXX XXXX XXXX and charged us {$12000.00} for the move. I paid the amount by my XXXX card issued by Navy Federal Credit Union. The Van Line is supposed to move the belongings safely. However, when we received our belongings 80 % of the furniture that was packed, loaded, moved, and unloded by XXXX were damaged. Hence, I disputed the amount charged to my Credit card around XX/XX/2022. I provided all necessary documentation including the pictures of damaged goods. After a month, Navy Federal closed the dispute without doing proper investigation with the following comment : " No billing error occurred. The merchant did not violate the terms of their return/ cancellation policy with the transaction in question ''. 

The bank forgot that it is not a good that I bought. It is a service. How can I return a service? The merchant violated their service obligation of safe movement of belongings ''. 

The bank is guilty of a wrong decision.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received 2 checks from my employer through the mail and i deposited them in to my account and she told me to send 70 % of the checks to 2 other employers on XXXX  and XXXX. i did that not knowing she was scamming me. She took {$3600.00} from my account and my bank is expecting me to pay back. i filed a police report and everything, i even talked to the bank but they are refusing to help me out.
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 as a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-17
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 have repeatedly contacted Experian about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with XXXX XXXX. I called XXXX XXXX to see if Experian had reached out to them about a dispute and they said that Experian did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. XXXX XXXX said they would send out my new credit file to Experian so that they can update my credit file and remove the bankruptcy. They also said that Experian shares a database system with them so Experian can update their files, but often times they do not. I called Experian on XX/XX/2022 to explain this to them and they said that XXXX has to send them an electronic file so they can update my credit file. XXXX told me that they sent out my dispute and new credit file in XX/XX/2022 to Experian and Experian has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and Experian will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and Experian is ignoring the proof and they are not doing a proper investigation.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

" Bank America is blocking you from enabling external applications. The Consumer Financial Protection Bureau makes sure Banks, and other financial companies treat tou fearly. You can alert Bank of Amarica that you need access to your financial data by filing a complaint with the CFBP ''. XXXX
Consumer complaint received 2018-10-25
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: EQUIFAX, INC. (OH)

I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management (MO)

Last calls received XXXX XX/XX/2019 at XXXX and XXXX. 
( XXXX ) XXXX I had asked on two previous occasions to remove my number from their call list. 
My daughter owes the debt, so the business ( Pendleton Capital ) and I do not  have any business connection. 
They have failed to cease and desist with calling my phone number and it is harassment at this point. I have continually blocked their numbers even after requesting to have my number removed from their database. 
The customer service representatives have a tendency to try to bully me when I've requested removing my number from their listing.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (AL)

There is an account from XXXX XXXX on my credit report that is not mine. This account was opened fraudulently and I would like it removed. Furthermore, on my credit report there is not even an account number associated with this company. My social is XXXX.
Consumer complaint received 2018-10-25
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. (FL)

I am concerned about the validity and accuracy of XXXX recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 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 legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

I opened an account with TJMAXX rewards Synchrony bank on XX/XX/XXXX and bought an item for the amount of {$31.00}. We never received the credit card nor did we receive a statement until about a year later and it had incurred interest of {$340.00}. We disputed this with the collections agency and agreed to pay the original amount of {$31.00}. We sent the check and did not hear anything from them again until the end of XX/XX/XXXX when we got a letter from the collections agency that we owed over {$400.00}. We received no notice and we paid the original amount. We have a check to prove that we paid the amount.The collections agency and the credit card companies don't seem to have any information and no on is answering our questions. We want to resolve this and will pay the original amount of {$31.00} but because we never received any statements or even a credit card, it doesn't seem fair that we are being charged so much interest when we didn't even have any account information.
Consumer complaint received 2018-10-25
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. (NY)

Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, Equifax and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX/XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXXXX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2017-06-17
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. (NY)

Credit card company initiated dispute at my request. Then re-billed the item even after sending me a letter than I had won and the merchant had failed to respond. With no further correspondence from credit card company, they then rebilled the item on my account now saying merchant responded. Item still not received and credit card company is allowing fraud to occur to me and not properly filing  Federal rules.  This is for a credit to my account   XX/XX/XXXX  fo r {$48.00} and the rebilling of {$48.00}   XX/XX/XXXX .   <P/><P/> Time period for merchant to respond expired and merchant responded.  XXXX  out of Tennessee was extremely rude and advised they do not have to send consumer notice that item has been rebilled or supplied additional information, beyond the expiration of merchant 's time to respond, that item was rebilled. This is outrageous and violation of  Fair Credit Act.
Consumer complaint received 2022-07-11
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},
Consumer complaint received 2022-03-12
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. (NJ)

Experian is currently reporting a fraudulent XXXX on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my XXXX consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since XXXX along with an XXXX identity theft affidavit. Delete this fraudulent Tradeline from my XXXX  consumer report.
Consumer complaint received 2018-10-25
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. (NY)

Inquires are showing up my account that I never signed up for or applied for. I wrote Transuion, XXXX and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXXXX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MI)

I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.
Consumer complaint received 2018-05-09
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ECMC GROUP, INC. (FL)

I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.
Consumer complaint received 2018-10-25
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. (FL)

I am concerned about the validity and accuracy of Equifax recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 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 legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. 
In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. 
I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

My loans are calculated too high at the time at the moment I am currently {$35000.00} and more and that because of student loans I can't not get any personal loans 2 fix my credit to purchase a new car I currently do not get paid enough to make any kind of payments I think the the loan is this a lot of money. I want to know how to clear up my account back to zero without having to pay any monies if possible so that I can go and get a career