davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AL)

I noticed a fraudulent charge on my Direct Express debit card last week on XX/XX/XXXX for {$4.00}. That card is where my Social Security payment is deposited each month. The store where the charge was made is one I knew I hadn't visited in about 6 months & my debit card has NEVER been out of my possession. So I knew it was fraudulent. I called the customer service number on the back of my Direct Express debit card & stayed on hold for way over an hour but finally got through & reported the charge. I asked whether the card should be canceled & was told that since the fraudulent charge was still pendingI needed to wait until it went through. A few days later, after this month 's SS payment was deposited on the XXXX, I got a low balance alert from Direct Express on the same day & discovered that someone had charged {$860.00} to my card in XXXX, AL, which is about 4 hours from where I live. The charge was made at a XXXX XXXX store. I was at the doctor 's office getting tests but within an hour was back home & began calling to report the fraudulent charge. I stayed on hold over & over again, only to get a recording saying they were experiencing heavy call volume & disconnected. Finally after almost two hours of calling & being on hold, I managed to reach customer service & reported the fraud. The rep canceled my card & I paid {$13.00} for expedited shipping of a new one. This was on Tuesday XX/XX/XXXX. I received the card today, Thursday XX/XX/XXXX & stayed on hold almost 90 minutes to get it activated. That agent told me to hold while he transferred me to " Level Two '' and I was on hold for an additional hour and 10 minutes. When I finally reached customer service, that person was incredibly rude, basically accused me of misusing the card myself and told me they would " try '' to get my money back but it would take 45 days. I was so upset I was having XXXX XXXX. I thought I had protection against fraud & that my money would be at least provisionally added back to my card while they investigated. But no. I am appalled that the SSA is using this shady outfit & recommending it to seniors like me who mostly live on a fixed income. This is a disaster for me. I've had some unexpected medical & other expenses recently & have literally no money now to pay my bills this month or even buy food. When I XXXX  the Direct Express card, I found dozens of horror stories identical to mine, of people being on hold for hours & hours, disconnected due to heavy call volume, unable to recover the money fraudulently charged to their debit card ... many people reported never getting their funds back at all. How are they getting away with this? I learned through XXXX that there is or has been a Class Action suit against Direct Express because of these incredible practices.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts should not be on my credit report. 

Credit Inquiries XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX OF XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX # Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (CA)

This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

I have had a Lowe 's store card with synchrony bank about 1 year with a {$1000.00} credit line. I have maintained this card in accordance with the terms with no late or any negative use on my part. I have kept a small balance of current {$130.00}. I was shocked to be declined for a small purchase telling me I had only {$5.00} available credit. Upon calling the bank I was told I was notified which I was not. The reason given were unfounded and unfair. Stating my lack of real estate credit and too many account. My account total size are relatively the same as when I aquire this card. This makes the second time this has happened with last year exact situation only on amazon card same bank same untruthful information. I have no late on my credits with any creditors and now with a forced account set to a maximum debt to balance I have been hit with a major credit score reduction of over 45 points just from this unfair practice. I understand that they have the right to make changes but I also have a right to be properly notified and given a choice to pay off and close Pryor to a line reduced to balance and now holding a at limit debt. Even paying off and close now will negative impact for years on for a unjustly aftion.
Consumer complaint received 2022-11-10
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: VW Credit, Inc (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXXXXXX XXXX XXXX to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-12-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UHG, LLC (SC)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX contacted my mother, and disclosed that they were a debt collector, how much I owed on the outstanding loan, when it was taken out, and how much I needed to pay to settle or pay off the loan. In addition they stated that if I was not to pay the loan by XXXX  the next day they would take out warrants for my arrest due to breach of contract, and fraud. They then proceeded to forward an e-mail to my mother with a document attached for a settlement offer to sign stating that it was to me and that they had a conversation with me related to settling the loan.
Consumer complaint received 2019-12-06
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: EQUIFAX, INC. (FL)

Equifax mortgage services inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX
Consumer complaint received 2021-10-31
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. (MN)

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION (CA)

My credit account was covered by NFCU P3 payment protection plan. 

The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. 

All correspondence goes to the same address with no direct delivery to a particular dept. 

I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. 

At one point they claim I refused to mail in the plan forms. 

NFCU is so big they quite literally do not have to concern themselves with problems that arise. 

I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.
Consumer complaint received 2017-08-15
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 (NY)

On XX/XX/XXXX, I received a statement from Capitalone in the amount of XXXX, plus XXXX interest on an unauthorized purchase from XXXX. The card in question, XXXX, expired in XX/XX/XXXX. The card has long since been destroyed. The service in question is a website : XXXX was closed back in XX/XX/XXXX and is unavailble for users. I have contacted the company by mail twice, and by phone once. The assigned a case # XXXX
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CO)

someone opened XXXX different credit cards in my name. I've talked to the creditors but was told to file a fraud claim to receive a report to provide to them.
Consumer complaint received 2022-08-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2017-10-10
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. (MI)

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (VA)

I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX  Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my  account. 
As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. 

Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, XXXX.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WI)

I reached out to XXXX on XX/XX/XXXX to inquire about removing an old account from my credit profile. After speaking with the representative via chat, and advising they had this account with a balance due to equipment they failed to accept when I attempted to return. The representative advised they could credit my account for the equipment and would remove from collections. I was advised to wait XXXX weeks. On XX/XX/XXXX, I chatted with another representative to confirm account status. During that chat I specifically asked if they were pulling the credit account from Enhanced Recovery Collections, that representative advised yes and to continue to wait the time period provided. After the XXXX weeks advised passed, I reached out to Enhanced Recovery Collections to inquire if they received notification to remove from my credit profile, they did not have any note on file from XXXX. This interaction occurred on XX/XX/XXXX. After call with collection agency, I went back to chat with XXXX during this conversation he advised no note was placed on my account, and agent was not able to locate information and advised they could not assist. We had the same issue with my husband on they pulled his account from the same collection agency within a week. I have attached copies of chat transcripts and chat IDs to this case along with proof, with approval from my spouse, a copy of his report showing they do in-fact delete from the credit profile.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OH)

AFFIRM INC CT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The office of Registered Agent for AFFIRM INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Hello, My name is XXXX. I initially had a student loan with Sallie Mae, and now it is transferred to Navient. The loans were disbursed in 2006 for a total amount of XXXX. And a total of 8 different loans. Some of the loans were deferred without my knowledge for 4 years. So basically after 13 years my loans are still owed XXXX. So I have only paid off XXXX dollars. I have calculated that I have actually paid XXXX in total payments to Navient. I will attach the file I pulled from Navients website as proof. All eight loans have different percentage rates, and it is all very confusing. I feel as though Navient, and Sallie Mae have taken advantage of me, and that I have lost a good amount of money because of their negligence.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My loan has been transferred to navient ... .a while ago ... 
When I started with navient and with my old loan company I was able to repay my loans individually ... .as I have XXXX remaining .... 
navient has changed their policy so I can not pay the XXXX loans I have with them individually unless I call in every time I have to pay. I wanted to repay the loans individually so that I could overpay on XXXX loan only ... .not XXXX so that I could finish paying off XXXX of the XXXX loans first and then pay the other ... I was able to pay that way originally and I feel I should still be able to since they are individual loans that I took out at different times. Therefore, why can i not pay for them individually? That is ridiculous ... the loans have different identification numbers yet I am forced to repay them online or by mail combined ... .that is not fair or just ...