davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Today I received a letter, dated XX/XX/21, from synchrony bank informing me there had been an address change request and to " contact us immediately '' if I didn't make the request. 
I called and wasted 15 of my cell minutes only to discover that it was all a lie. 
This is harassment due to my previous complaint over synchrony STEALING my cash rewards money, and I want it to stop! 
I don't need the aggravation of thinking someone is stealing my identity, and I CERTAINLY don't need any more XXXX from synchrony bank. And I ABSOLUTELY do NOT want to ever have to speak with them again! 
They STILL refuse to give me MY MONEY!
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. 

Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 
2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 
3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 
4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). 

I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This is a formal complaint against Nissan Motors Acceptance located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and Nissan continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, Nissan Motor Acceptance, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-11
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: Experian Information Solutions Inc. (CA)

I have repeatedly asked Experian to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.
Consumer complaint received 2023-04-01
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)

XX/XX/2023 {$8300.00} XXXX XXXX is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

RE : Wells Fargo Misrepresentations and Regulatory E Violations for Case numbers belonging to Wells Fargo herein : Case Number ( 1 ) : XXXX, Case Number ( 2 ) : XXXX Case Number ( 3 ) : XXXX On XX/XX/2021 I filed a claim on three transactions in connection to a scam I fell for, totaling {$100.00} USD. Wells Fargo promised a resolution within 10 business days. To date, nothing received, and no resolution or any paperwork *even* *confirming* the three claims ' existence. 

I was *not* provided their promised courtesy refund of {$100.00} for being scammed. To date, *zero* conclusion to the investigation as promised, *zero* resolution to date, nor any outcome of their investigation as promised. 

To make matters worse, Wells Fargo is obstructing me from reporting these ( 3 ) transactions to XXXX because Wells Fargo is unable to provide me the required 12 characters XXXX payment ID for each XXXX Transaction as requested by XXXX Scam Reporting process I, therefore, am unable to file a scam report under XXXX : XXXX I've called Wells Fargo multiple times requesting the 12 character XXXX payment ID and they won't tell me.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Since XX/XX/2018 i have been charged an excessive amount of bank fees, in the amount of $XXXX dollars. Some of which were not caused by personal error, as well as some caused by account minipulation on behalf of the bank. Flip flopping transactions day to day to cause a bank fee is common practice. I changed my mortgage payment, through XXXX XXXX, to come out the XX/XX/XXXX instead of the XX/XX/XXXX. XXXX XXXX made a mistake and withdrew the mortgage on the XX/XX/XXXX causeing a domino effect of bank fees. I was able to have XXXX XXXX retract the withdrawl, but citizens bank will not return the charged fees on my account. I am opted out of overdraft "protection", so the only method i can incure a fee is from a preauthorized debit or check. With that said, Citizens bank minipulates my account activity to cause a negative balance to charge me a fee. This has happened to me before by this bank, and they have previously returned fees to me, but refuse to return the fees now.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (CO)

I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION (FL)

This debt is not mine It is possibly due to identity theft. I did not apply or benefit from this loan. 


Reporting to my credit reports, attempted to dispute and they continue to verify it as mine although it is not.
Consumer complaint received 2021-11-07
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: Kikoff Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2018-02-05
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. (MD)

I have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I do not have a credit score and report with Equifax and am unable to even create an account to even submit a dispute about it. I have called the support center multiple times and they tell me to mail documents that prove my identity. Each time I send the documents, I receive a response saying that either I did not send enough documents to prove my identity or that they could not find any credit history on me. 

There have been no issues getting credit scores and reports from XX/XX/XXXX and XX/XX/XXXX. When my last name changed, there were no issues updating my social security and passport. Thus, I know that I have the correct identification and I do have a credit history.
Consumer complaint received 2020-07-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX  attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine
Consumer complaint received 2018-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Merchant : XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$27.00} Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute. By way of this signed letter, I will continue with disputing the above listed information. On the evening of XX/XX/XXXX, I placed a take out order for two # 5 combo sandwiches and two # 6 combo sandwiches. The merchant made a mistake by giving me two # 7 combo sandwiches ( see attached sales invoice ). Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive. Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they " rarely make mistakes '', " I must be wrong '' and that he records videos and voices of all his customers. In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup. 

The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
Consumer complaint received 2020-11-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Champion Mortgage assured me on XX/XX/XXXX by a supervisor that my moms property taxes and our line of credit request was received and that they will deposit it in her acct. the supervisor assured me within 5 days it is now the XXXX and i was told that our request was denied again. last year their incompetence costed my mom who is XXXX years old penalty and a lot of heartache. they are at it again! the request was originally sent on XX/XX/XXXX and they lied and said they called me and i denied the request which is a lie. they record all conversations and i would like the conversation of me denying. no calls were ever made to me and this Co should be investigated thoroughly ... on XX/XX/XXXX once again i faxed over another line of credit request and realized ight away signature was missing. within! 5 min i re faxed and now they are denying again. I'm certain there is something that needs to be done with this shady Co. XXXX ( supervisor ) called and confirmed the receipt of the new fax and said $ be deposited within 5 days ... today the story changed again. ive requested a call back from her and nothing so far
Consumer complaint received 2021-11-07
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. (CO)

Equifax is currently reporting an account by the name of XXXX XXXX  opened on XX/XX/2021 for the amount of {$250.00}. This account is not mine.
Consumer complaint received 2021-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied for a loan, when I asked for my appraisal letter I was informed that it was not ordered therefore no letter, I was not happy with the handling of the procedure and told the company I will go elsewhere since they have taken my money but haven't rendered services I paid for, was told on XX/XX/2021 that they will cancel my application and refund my money in a few days. I have not gotten any payment back or received confirmation that they were refunding my money.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am writing to bring to your attention the following discrepancies on my credit report, which I reported to Experian on XX/XX/XXXX. To date, I have not received a response from them. 

The following account was never late : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX Wrong Date of Birth : XXXX  Wrong Employer : XXXX
Consumer complaint received 2021-11-07
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. (CO)

Transunion is currently reporting two accounts by the names of 1. Portfolio recovery opened on XX/XX/XXXX for the amount of {$430.00}. This company has been previously updated and removed from my report THEN changed their name and has reposted an account on my credit report that is not mine. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$250.00}. This account is not mine
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I had recently lost my debit card from first citizens bank, my card has the pin labeled on it, I already filed a dispute with the bank for an authorized purchase of {$2700.00}. Someone mad an a unauthorized purchase with my card. I have also had to call to cancel my card and everything to get a new one due to the incident that occurred. The bank declined my dispute.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I processed a payment with a representative over the phone, the representative entered the account number incorrectly and as a result the payment was returned as no account found because they left a digit out, I was then charged a return check fee of XXXX by the company, I have called on this since XXXX and they Claim they don't have record of me calling and making the payment with the rep when it was process on XX/XX/19 with the payment help center. and they will not remove the return fee and this was not my fault this was clearly company error
Consumer complaint received 2018-03-04
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: JPMORGAN CHASE & CO. (NJ)

Chase has failed hundreds of times to proof this account they are reporting on my XXXX  report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.
Consumer complaint received 2020-07-24
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. (VA)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX   breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$26000.00}
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First is making all members to enroll in " Premier Checking ''. They are charging {$6.00} a month for this and all members who don't want it have to go into a branch to opt out. During a pandemic? This is ridiculous! No one should have to risk their life and well being to opt out of a service we never signed up for.
Consumer complaint received 2023-04-02
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. (GA)

In accordance with 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 a account without my written instructions.
Consumer complaint received 2021-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

The 5 Navient XXXX are reporting the account are open when these are accounts are in " Administrative Payment Deferred '' These accounts should reflect " closed ''. The accounts are under investigation and not payment is required until 2023 per the " Department Of Education '' as they have been put hold for over 4 years for " STUDENT LOANS FORGIVENESS '' review but nothing happen because the prior Administration. 

Now the we have won the Class Action Law Suit and Navient have been required to pay back money to students and the University XXXX XXXX is required to payback XXXX XXXX dollars to students as well.