davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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: SYNCHRONY FINANCIAL (WA)

On XX/XX/2022 I purchased an item for {$900.00} from XXXX  through PayPayl. I requested for a signature to be requested for delivery. Package says it was delivered but it was not. Based on the tracking number no specific address is provided to where the package was delivered. I disputed the charge with PayPal since Paypal has a buyers protection which ensures a refund credit if a package is not delivered. Under Paypals buyer protection, proper proof of delivery for anything over {$750.00} is a signature. XXXX does not have a signature to account for proper proof of delivery. Paypal closed the case in my favor and credited the amount. However Synchrony bank which runs PayPal credit made a chargeback on XX/XX/XXXX. The case was already closed in my favor and Synchrony bank is refusing to give me my credit.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2022-08-24
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. (MN)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX 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 2022-05-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

HYUNDAI MOTOR FINANCE FORMER ACCOUNT NO. XXXX I am charging HYUNDAI MOTOR FINANCE with LARCENY in the amount of {$2600.00}. This complaint relates to two payments I made one on XX/XX/2019 in the amount of {$950.00} and the second payment of {$1700.00}. I made these two payments in GOOD FAITH and, I thought each of these payments had been applied. 

At the end of the lease in XXXX, I requested a print out of my lease history agreement with HYUNDAI MOTOR Finance to review. I discovered these two payments were never applied to my lease agreement. I believe these two payments should have covered nine payments at {$340.00} per month. Because these two payments were never applied to my former lease account, I incurred further interest charges that, also, should be returned to me over the nine payments I made to get ahead on my car payments. 

When I complained to The Hyundai Customer Care Center, the customer service represent gave me a difficult time in stating if I had sent these two large payments in ; then, these payments were applied. I responded by stating to her these payments were on reflected and/or credited to my lease payment account. 

I, further, spoke to a dispute customer representative who stated to me that I should mailed the front and back of these two checks. I had given him all the required information : date, check number, amount. He could not find either payments doing a payment search on his computer. I mailed them OVERNIGHT to HYUNDAI MOTOR FINANCE CORPORATION/THE PROCESSING CENTER. 

I was informed by HYUNDAI MOTOR FINANCE/PROCESSING CENTER that both of these payments would be re-debited to my checking account. This information was stated to me in XXXX. As a follow up, I kept calling HYUNDAI MOTOR FINANCE to state I had not seen these two payments re-debited to my checking account. 

Now, HYUNDAI MOTOR FINANCEXXXXPROCESSING CENTER is stating that it had re-debited the two payments to my checking account in XXXX. As of this date, I continue to wait for my overpayments that were never applied to my former account and have never been re-debited to my checking account. 

UNDER THE PAINS AND PENALTIES OF PERJURY, my bank, XXXX XXXX XXXX XXXX XXXX, can confirm these two payments were never, ever re-debited to my checking account with them.
Consumer complaint received 2022-05-31
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. (IL)

I filed a previous complaint against Equifax number XXXX regarding fraudulent and unauthorized inquiries on my Equifax consumer credit file. Equifax mailed me a letter as a stall tactic asking for proof of identity when I provided proof of identity with my previous complaint. Equifax remains in violation of my federally protected consumer rights.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I have been disputing my credit with XXXX, Equifax, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of Experian ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CT)

My son, XXXX XXXX XXXX, received notice that XXXX XXXX sent him to Nationwide Credit XXXX Inc. to collect {$900.00}. This was his former employer, XXXX 's XXXX XXXX XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and XXXX XXXX says they can't access the info because it went to Nationwide and Nationwide hangs up on you siting an " error '' while on hold. Please help.
Consumer complaint received 2022-03-01
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. (TN)

In accurate Collection Accounts : XXXX XXXX- shows that account is still open and 7 late payments. This information is incorrect. This account is paid off in full on XX/XX/2022 and no payments were ever late. 


XXXX XXXX XXXX- I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX XXXX I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX. XXXX, XXXX - I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report Inaccurate Hard Inquires : XXXX XXXX- this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it XXXX XXXX - this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

We were recently granted a modification to our home loan with Shellpoint Mortgage Servicing.. The trial period for the modification was completed. Per the terms of the modification any previously reported late payments were to be erased and removed from our file. However the late payments are still showing up after repeated requests for them to honor their side of the modification terms. This is creating a negative impact on my credit rating.
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

In 2020 I see I received a debit card but I never received the debit card and I put a dispute through trying to get my money and they denied me and I gave every document for them to see I did not receive my money or card my mother just passed abs Im just trying to get back on top of everything but it seems like life takes another direction I cant get into my account or anything and they still denied me and not helping me resolve.
Consumer complaint received 2022-05-31
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI (NY)

The debt collection agency, General Revenue, states that I owe them a Balance of {$4100.00}. This reflected on my credit score on XXXX XXXX, 2021. Ive tried to resolve the situation via dispute letters and phone calls with no progress. This has really been a financial burden for me and has prevented me from many opportunities in life already. Please help me!
Consumer complaint received 2018-03-20
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: WELLS FARGO & COMPANY (UT)

According to section 202.12 of the " Equal Credit Opportunity Act '' creditors must retain applications for 25 months for consumers The clock on retention begins on the date that a creditor notifies an applicant of action taken on an application or of incompleteness.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

I asked Wells Fargo why am I being charged all of the {$35.00} fees if the withdrawals from debtors isn't going through. They won't allow the overdrafts but still charge me the overdraft fees.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to be removed.
Consumer complaint received 2022-05-31
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)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have been a customer of chase bank for over 10 years. I have 4 accounts with them. 2 personal and 2 business. 

I tried to use my bank card and it was declined. I called they said go to a branch which i did. I was then told that they no longer want my business and my accounts are scheduled to close. 

I said ok thats fine lets close them and give me a cashiers check for the balance in my accounts. They refused and wont give me my money until they conduct an internal investigation. 

There investigation doesnt concern me. Its my money they are now holding and wont give to me. 

I need help
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 chase bank closed my account with out Notifying me I had XXXX plus XXXX I had deposit therere refusing to give me my funds I went in, in person to ask why had they closed my account they said they seen some fraud activity but I clearly stated it was my mothers check she was Present as well stated her ID and said her self she had allowed me to deposit her check since Chase bank has the third party check exchange, I showed them all the Proves they asked to provide to show theres no fraud going on and yet therere refusing to give my my funds and there saying the have Possession yo hold my funds for up to three years. After proving and providing what they asked for now to them Im a criminal and fraudulent XXXX I dont find that right. I as well contacted the police case number XXXX deputy XXXX, badge # XXXX my name is XXXX XXXX # XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I accepted an at home job that was fraudulent. They asked me to deposit funds into my account and forward them to the vendors that were to provide the computer setup for my home office. The checks bounced and I had already forwarded the funds. I believed that they wanted to get the funds into my name so they could 1099 if I quit. I submitted a police report. I lost {$4500.00} to the fraudulent job scam. It was an actual job that I applied for, but a fake HR representative. I contacted XXXX XXXX and let them know that there was a fraudster representing themselves as their representative. I provided them with all the information regarding the emails involved I also was victim to a romance scam. He claimed he was a solider and needed money to apply for leave. I Bitcoin him {$4000.00}. His online profile has pictures of a XXXX  in XXXX after further investigation and searching his picture.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MI)

in XX/XX/2019 my XXXX XXXX card was compromised by BLUEBIRD.COM with unotherize MONEY TRANSFERS of the following amounts XX/XX/XXXX {$20.00} & XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} & XXXX TOTALING {$800.00} in talking to XXXX XXXX offices for more the 12 hours of being on hold and transfer to different departments they told me XXXX will not give back my money. but yet the could not prove who made any of these deductions. 
I live on a XXXX monthly SS check and now I am afraid to let my money go on this card. 
Please help me I need my XXXX back to pay my house bills.
Consumer complaint received 2022-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

Navient for the last 9 years have been providing incomplete information regarding my loan repayment. Since I have ben employed full time since graduation, Navient has enrolled me in several different programs for repayment each with different lengths and terms. The calls always go the same way, Navient called because your account balance is past due, the only reason past due is because the automatic payments I schedule were only for a certain length of time. They are always only interested in me making a payment. Never not once have all ( eligible or ineligible ) payment plans been given or explained. I'm now of age to try to become a first time homebuyer and the {$14000.00} loan has only risen over the years. So this last call from Navient, I actually took time out ( actually walked out of work ) to ask more questions. The representative acted as if me asking questions was an annoyance to her. She then told me her computer was about to shut down so she needed to call me all, ironically this was just as I began asking questions instead of just giving her payment information and re-enrolling in some program she mentioned. In that conversation, I learned that majority of these programs the agents have been suggesting then enrolling do not help/go towards my principal balance. When I asked the agent what is my regular monthly payment, she couldn't even tell me. After dancing around my question, I found out that a regularly monthly payment is actually less than I've been paying through these various programs that have been suggested by Navient representatives in the past. I think this is predatory behavior, as well as deceptive and wrong. I feel taken advantage of. Anytime I speak with a Navient representative they have ONLY ever been interested in receiving a payment and keeping my account current, NEVER providing complete, accurate and beneficial information to actually pay the loan off. I literally have anxiety and XXXX because of the constant payments being made towards my student loans, yet feeling as though I'll never be able to repay them in full. It's already XXXX to have gotten these loans to try to get a good paying job and that never happened.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

According to my consumer report I received dated XX/XX/2022 I have noticed various areas in the way Equifax is furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. Equifax CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to XXXX XXXX XXXX ( XXXX ). Also XXXX XXXX XXXX ( XXXX ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted Equifax or XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX  such authority. 
Equifax 's apparent and constant neglect to properly carry out their job is costing me by ruining my consumer report. This is an attempt to remedy the following listings you have listed on my consumer report.
Consumer complaint received 2019-10-19
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. (MO)

Sallie Mae has lied about they way my payments were allocated. I was told that forbearance is what I needed instead of a income driven plan. 

Several of my income driven plans were denied and sallie Mae gave me false information in reference to payment plans. 

Numerous payment were made and never applied to my loan. 

I have made several calls in reference to payment history and was told the information was not available. 

I am currently on a loan forgiveness program going back to XX/XX/2007, I believe I have made the 120 payments. 

Sallie Mae has sold my loans to navient and then to XXXX XXXX, I believe the interest and fees were falsely added to my loans. 

Thank you
Consumer complaint received 2022-05-31
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX