davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

on XX/XX/2021 i learned of multiple synchrony bank accounts being opened in my name. 
the following accounts were not opened by me or my consent given for them to be open. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
on XX/XX/2021 a FTC id theft affidavit was filed report # XXXX please see attached document.
Consumer complaint received 2022-08-06
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. (OH)

In accordance with the 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 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: LendUp Loans LLC (TX)

I opened an account via XXXX XXXX 's website for an credit card called XXXX After filling out application received card. After a month with the card, I was not comfortable with the telephone customer service and the lack of information you receive on their website. I paid the balance in full and requested my account to be closed. They later billed me {$59.00} for Annual Fee and told me it was on the forms I filled out. I advised I never received any notice or forms stated that. I requested an supervisor and they refused to give me a supervisor. I later called back and given the same run around. I wanted this fee credited off the account and not to reflect as an balance on my account. The account is less than a month old and I never heard of you paying an annual fee when you close an account. 

The customer service was very unhelpful when I called to address concern.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need help
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CO)

I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER!

I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years!

I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). 

The check was ILLEGALLY sent back to XXXX XXXX  instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. 

I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. 

I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE!

In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence!
Consumer complaint received 2022-08-06
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. (WV)

In accordance with the 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 2021-02-05
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: DISCOVER BANK (CO)

From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. 

In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (VA)

Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union have an active extended fraud alert on my account. I can never get in touch or get customer service to answer the phone and I can not get my extended foot alert off my account. I dont remember the pin that was said I dont even remember it was a pin and its affecting my credit. I cant apply for stuff because this is the second verification to ask them for a need a credit freeze to be removed from my TransUnion account immediately this fraud alert was removed from XXXX XXXX. Trans Union is the only bureau to have extended for alert on my account I need it to be removed. I will send a send them proof before of my identification. I called them no one I guess no one on the phone
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

On XX/XX/2022 my account was closed and that is unlawful Pursuant to 12 CFR 1002.7.

12 CFR 1002.7 - Rules concerning extensions of credit.

CFR 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Consumer complaint received 2022-09-20
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)

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2018-02-12
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. (SC)

I noticed on my credit report there is an address being reported that I am associated with. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. While there is a similar address of XXXX XXXX XXXX XXXX, SC XXXX. 

As a result there are several accounts being reported erroneously. The account listed below does not belong to me and would like the reporting of the associated address and account to be removed from my credit report. 


XXXX XXXX XXXX with a {$160.00} balance
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

I was affected from Covid 19 pandemic. My XXXX  was temporarily closed. I am facing on financial hardship and depending on unemployment benefit. I have asked the Wells Fargo Bank to defer my credit card payment to XX/XX/2021. I am waiting for California Relief Grant to take care of it but the Wells Fargo Bank management ignored my inquires many times. See attached file.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting acXXXX 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. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-02-04
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. (CO)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 50 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will like for litigation due to the stress you have caused me.
Consumer complaint received 2020-01-27
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: SYNCHRONY FINANCIAL (CA)

I got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect my credit report.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AFNI INC. (FL)

AFNI has called me 18 times since XX/XX/XXXX. 5 of those 18 times were before XXXX on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. 
I have not received any letters that explain what this debt is or who it belongs to. They have never left a voicemail to identify themselves or what the nature of their call is. I believe this debt belongs to whoever had my phone number before me. 
My credit report shows no debt and I do not have any other debt.
Consumer complaint received 2022-01-06
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. (HI)

I contacted XXXX finance in 2018 and provided a court order to remedy my dispute. XXXX returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. XXXX financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, XXXX financing refused to honor the court order and placed this negative debt on my credit report.
Consumer complaint received 2022-08-25
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. (IL)

There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Bank reversed my stimulus payment in XXXX which caused my account to go negative. They also did not credit my account for a deposit in the amount of XXXX which created multiple overdraft fees. I called to discuss the transactions and freeze my account but they allowed charges to continue to occur. They also debited my entire government funds with intention to resolve overdraft fees that put me in a financial devastation. The insitution then in turn did not properly notify me or acknowledge any disputes and have since closed my account.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

On today, XX/XX/XXXX, I received an alert from TransUnion that a Nelnet account was reporting 120+ days late. This caused my credit score to drop 61 points! I called and spoke with a representative and she said that they have not reported on my account since 2016 and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

SYNCB/Sams Club is reporting an account as outstanding on my credit file ; however, I contacted Sams Club and was advised that there is no balance due. I requested that this is reflected as zero/PAID IN FULL on my credit file, however, report is still showing this amount as delinquent.
Consumer complaint received 2022-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

I co-signed a student loan almost 17 years ago for my oldest daughter. The terms of the loan clearly stated a 120 month re-payment schedule. Now 193 months later the AES is trying to get me to pay the loan, because they kept deferring payments and allowing the interest to accumulate to well over {$20000.00}. 
I have requested a co-signer release numerous times, but they keep denying it. 
Now they are harassing me about the payments, and have ruined my credit score. 
I went from an XXXX to a XXXX in 4 months because of them.
Consumer complaint received 2019-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I found three ( 3 ) unauthorized hard inquiries on my Equifax credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my XXXX  credit report also. I called, and they  gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!
Consumer complaint received 2021-02-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX XXXX agreed to honor my cease and desest all calls and collections and communications to account XXXX. on XX/XX/XXXX I  received another communication of harrassment from XXXX XXXX XXXX XXXX additional establishment of validity. I request that XXXX be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under XXXX code as well as Federal codes. 
Thank You XXXX XXXX