davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

I made some purchases online with a merchant name XXXX XXXX. the merchant receive over {$4000.00} worth of transaction using my TCF bank card. the merchant never render services nor ever send the merchandize I have order, I try to contact the merchant several time and no response at all, after some research I found out that the merchant not licensed nor is authorize to accept client from the usa nor usa citizen, that is a red flag that TFC fail to see. I have file a dispute with my bank TCF BANK several times and they fail to resolve the claim in my favor due to services not render or fraud merchant. 
my understanding is that always consumer is protected under those circumstances. 
therefor I would like to file a complaint against TCF bank for not resolving my claim.
Consumer complaint received 2021-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

A payment was due XX/XX/XXXX for regular charges and a balance of {$150.00} of for a non interest bearing promotional purchase. 
A check for {$530.00} was mailed on XX/XX/2021 in the pre addressed payment envelope provided by Citibank in order to cover everything that was due and to avoid any interest charge. 
On XX/XX/2021 ( ten days after the payment was mailed ) an email notice was received indicated they had not received the payment and it was now overdue. As it appeared the payment had somehow been lost, a call was placed to Citibank 's collection department and a {$500.00}. payment was made over the telephone. ( that was the maximum my bank would allow without pre authorization ). 
On XX/XX/2021 ( thirteen days after it was mailed and six days after the payment was due. ) there appeared in my checking account the cancelled check for the payment XXXX said it did not receive. 
Citibank would have me believe it took the post office nearly two weeks to deliver their pre addressed envelope. The result of this I am being assess {$170.00} in fees and interest because the check was not credited in a timely manner.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

This issue involves Equifax Credit Reporting Agency and an error they said they verified as accurate which it is not. 

I co-signed a student Parent Plus loan for my son for his first year of college in XXXX at XXXX University in XXXX, Kentucky. The very next school year our son transferred to the University XXXX XXXX in XXXX, XXXX  and my wife, XXXX XXXX XXXX signed for a new Parent Plus Student Loan for his University XXXX XXXX education cost and consolidated the XXXX Parent Plus Loan into one loan. My name was no longer on a student loan from that point on. 
Years later, someone somewhere decided that I still owed this total debt irregardless of the fact that it was completely transferred out of my name in XXXX which I have documents to back up. We sent these and other court related discharged records in to Equifax but they still report the amount as being owed with accrued interest of course which is now double the original amount. My wife had this completely in her name and years later, she was diagnosed with XXXX XXXX and is on SSDI. All student loans, including all Parent Plus Loans were completely discharged in our Chapter XXXX Bankruptcy case that was filed in XXXX and completed in XXXX. A year or so later, the loan previously mentioned re-appeared on my Equifax Credit Report to which we submitted court orders and proof of when it was consolidated into my wife 's name only. We have an attorney, XXXX XXXX, which we can and will hire to fight this if necessary but will cost us more money to fight something that Equifax is doing to me and my credit standing. In addition to having court orders of discharge for all the student loans, I also have documents backing up this claim from the National Student Loan Data Systems ( NSLDS ) showing I have no outstanding student loans in my name so it makes one wonder how is it possible that Equifax found that I owe student loans and where is there proof which they did not provide very accurately at all. I am asking for assistance in this matter as my wife and I have certainly suffered from their unfair reporting practices and we, especially my wife, have suffered enough and seek assistance from you to fix this terrible and costly error caused by Equifax. Additionaly, I have a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating I do not owe and they sent a letter of correction to all CRA 's to remove from my history and only Equifax has not done. It has taken me two years trying to get this removed as illness and deaths have occurred in my family leaving me little time to deal with their inaccurate reporting on my credit.
Consumer complaint received 2019-08-02
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: Supreme Lending (MD)

ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON EQUIFAX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM XXXX XXXX SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM SUPREME LENDING. I WAS TOLD BY XXXX XXXX THAT SOMEONE ( XXXX ) FROM SUPREME LENDING PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED SUPREME LENDING TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX   WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.
Consumer complaint received 2022-10-16
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: DISCOVER BANK (OH)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

This credit card automatically enrolls customers in a Security Fee, that is 1.66 % of each monthly statement. The paperwork for this card, and their website, both do not mention that customers are automatically enrolled ; they instead call this an optional fee. I have read through my paperwork from when I activated this card in detail, and there is no mention of this fee being something customers are automatically enrolled into ; instead, it is called an " optional '' fee. I only noticed because I was being charged a " security card '' fee each month. It seems all users are automatically enrolled, as I have found comments of others ' complaints on online forums. 

For example, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' the amount of {$11.00} ; on XX/XX/2022, I was charged {$17.00} ; and on XX/XX/2022, I was charged {$34.00}. 

I believe this is deceptive, and it is not fair for them to automatically enroll us in a paid service and charge us fees without our consent and without customers ' prior notification. The only way to gain knowledge this is to be charged. The only way to waive enrollment in this fee and " service '' is by calling them ; there is no way to do so on their website. Their customer service makes it very difficult to drop this " service, '' as they transfer you to multiple other numbers, with long wait times. They also refuse refunds for fees recently paid.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please see documentation for dates and times. 

I reached out to XXXX to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 from XXXX XXXX  XXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the XXXX has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting XXXX for the W-9 to be sent. 

I reached back out to XXXX at XXXX ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for XXXX XXXX  which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a zero balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NY)

Ive sent multiple Requests by fax to this stupid company but they wont Send me my report this is ridiculous they must be shut down and investigated their very rude never answer the phones victim of if theft and they dont care to provide me my report by mail
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-04-15
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. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

Two collections items appeared on each of my credit reports ( XXXX  and XXXX  ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax Credit Bureau on a soft inquiry on or about XX/XX/2022 by XXXX XXXX for XXXX XXXX XXXX apartments reported inaccurate/questionable information. This resulted in a " credit history unsatisfactory '' finding and a application to lease an apartment denied. Equifax reported a credit score of XXXX but with comments that would make an XXXX credit score impossible. There is nothing in the entire credit report that will substantiate their comments. I have notified Equifax of this situation with a request to expunge the comments and am awaiting a response
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

To Whom It May concern, I was approved by the Illinois Hardest Hit Program back on XX/XX/XXXX! I fell gravely ill in XXXX, and have since been permentaltly XXXX and on SSA. The great people that work with The Hardest Hit program, here in Illinois, put a fast track on my application, because when I applied in XXXX, I was already many months in arrears, and the process normally takes 90 days, or more. So, they fast tracked it and got me approved for {$35000.00}, of which included 4 months of future payments. I was, at the time, behind {$27000.00}. The documents were sent over to Mr. Copper, for approval, so that they could send the check. I verified on the XXXX of XXXX with Mr. Copper, that they received all the documents, and that it would  take a few days to process, possibly by the end of the month. 

I called at the end of the month and nothing had been done as of yet. This went on for months. I called every week for months stressing the urgency, since the amount approved was going to pass it's approved amount. I even sent corporates headquarters in Texas, via certified mail, a package of all documents and email corresponds with Mr. Cooper ( i never got a response. I was consistently told not to worry, that Mr. Copper deals with Hardest Hit Programs all the time, and that everything will be fine, every time I spoke to their customer service reps. many of my urgent calls and complaints, were sent to the Escalation Dept. Again, I never received a call, email or letter. 

Long story short, they, Mr. Copper, sat on it and responded on XX/XX/XXXX, with the total owed {$36000.00}. 

Mr. Copper is now flat out lying and stating they received the documents from The Illinois Hardest Hit Program on XX/XX/XXXX ( a complete lie!!! ), and received the denial from The Illinois Hardest Hit Program on XXXX XXXX, which is factual. But i was denied due to their negligence. 

I have been greatly, negatively impacted by the negligence and falsehoods by MR. Copper. The impact it has had on my health has also greatly affected my life, due to the XXXX. 

I then called again, after the 2nd denial for options. they offered me a loan modification. i never heard back from them after a week or so. i then received an email after complaining, that i was denied due to my income and foreclosure proceedings were going to proceed. I never once was contacted by Mr. Cooper for information on my finances. Such as change in income, bank statements, and such. Just a flat denial. Today ( XX/XX/XXXX ) I emailed via an appeal of there decision with all relevant documents that show i can indeed afford the modification and make my monthly payments. I have attached the email as well.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 I trying to find help with my XXXX account. I came across a company called XXXX XXXX XXXX. I spoke with an individual named XXXX XXXX, he had me download different apps XXXX XXXX XXXX XXXX XXXX, and XXXX. With the XXXX XXXX XXXX app he was able to see my Chime Bank Account. The individual asked me questions ( did I know anyone in New Jersey and XXXX, New York? ). 
Of course I did not and he proceeded to tell me someone was charging my account. The individual XXXX XXXX had me sending amounts through my XXXX  XXXX account on my bank app. The amounts totaled {$5000.00}. And my bank Chime Bank, will not refund my account.
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (CA)

I requested a refund on EdFinancial of a certain amount of money. The request was sent but I would have to wait 150 days to get it. The issue is I had a vehicle accident on XX/XX/2022 but now I have to pay the remaining hospital bills, and chiropractor bills but need the money soon sense I don't have much time left. I was given the end of this month to pay for the mean time my lawyer gets the process done sense I was the victim in the accident.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (NV)

I received a call from a man saying are you ( my full name ) and you live at ( my address ), I said yes. He said he was a legal processor, and needs to serve a legal judgement against me tomorrow XX/XX/XXXX @ my home address between XXXX, and asked if I would be home, I said yes. I asked him from what company was this from? He said it is a sealed confidential legal envelope and he does not know. But if I have questions, I can call XXXX and give claim # XXXX. I called, the woman said she was with XXXX, XXXX XXXX XXXX. I asked what this was about. She knew my name, address, phone #, last 4 of my social security #, my current, and my previous address in another state. She said Wells Fargo had a judgement against me for a delinquent XXXX XXXX account and that I owed {$3400.00}. She said they have attempted contacting me several times with no response to settle debt. I asked how did they contact me and when. She said a letter was sent to my previous address in ( state XXXX ) in XX/XX/XXXX & to my new address ( state XXXX ) in XX/XX/XXXX. I said I never received any notifications or calls. This exact same situation took place with me about 3-4 years ago, supposedly a debt from Wells Fargo XXXX XXXX account XXXX But back then it turned violent and threatening of my imprisonment, my life and my families lives. I called Wells Fargo back then and was assured they do not use XXXX XXXX and there is nothing under my social security #. I did the same today. Again re-assured they only use XXXX XXXX XXXX and nothing under my social. They advised me this is a phishing scam and to report to FTC, who referred me to you. I called scamer back 2 times to ask their address, the woman provided XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. IL XXXX and told me to " cease & desist from calling us and used my first name ''.
Consumer complaint received 2022-08-03
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: JPMORGAN CHASE & CO. (TX)

I am unable to speak to someone at the credit reporting agency to discuss the sudden re-appearance of a paid off auto loan that reported a late payment on my credit report I've called multiple times and left a voicemail and received one response but was hung up on. I have not received a call back yet.
Consumer complaint received 2022-06-01
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: Affirm Holdings, Inc (OR)

There is 4 fraud lent account shows on XXXX that not supposed to be on my report I have disputed all the related accounts twice but they didnt remove them 1. Affirm INC XXXX 2. Affirm INC XXXX XXXX. Affirm INC XXXX XXXX. Affirm INC XXXX
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (VA)

My account was charged {$3500.00} one XX/XX/2022, it is charged from my XXXX to a person named XXXX XXXX. I reported it fraud. But they didnt refund me and refused to refund me. They closed my old account but never refunded my money back.