davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; XXXX date : XXXX XXXX & XXXX, 2021 ; XXXXXXXX XXXX XXXX date : XX/XX/2021, and XXXX XXXX date : XXXX XXXX, 2021 were properly investigated but how is that possible if these account only report on one credit bureau? This is clearly inaccurate which means it is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (SD)

On XX/XX/XXXX I had requested to withdraw all of my investments from Gemini, totaling approximately {$48000.00}. Their advertised XXXX for processing is 5 days. As of today the withdrawal has still not been processed. Upon contacting their support team I was informed that all withdrawals from the Gemini XXXX platform have been suspended indefinitely and they could not provide any additional information.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

This account belonged to my sister. Who passed away. The account then became mine. Beginning in XXXX XXXX XXXX XXXX began withdrawing money under the name XXXX XXXX ( XXXX ) for a total amount of XXXX. Ive received a partial refund. But no where near the amount stolen. The transactions were caught XX/XX/2022. Wells Fargo is the bank.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX XXXX XXXX FL XXXX TJX Rewards Platinum Mastercard XXXX XXXX XXXX GA XXXX I made a purchase at a XXXX XXXX XXXX  On XXXX. They convinced me to get this credit card to get a big discount for this purchase and future purchases. I planed on paying cash anyway so I new I would pay it off as soon as I got the bill. 

However, I didn't get the bill until after their due date which already included a late fee!! 
This was on XXXX so I called immediately and they removed the late fee. 
I complained about this fraudulent practice and cancelled this card right then. I paid the balance in full that same day as well so there would be a XXXX balance. 

Then I received another bill for interest of {$13.00} dated XXXX despite the bill being paid within 30 days of purchase! The woman I spoke to closed this account but didn't tell me that I would be charged interest otherwise I would have demanded that be removed as well. I verify every bill I pay so I was able to protect myself. I am turning to you to make sure this company gets investigated and stopped immediately. 

IT IS CLEAR TO ME THAT THIS BANK/COMPANY ENGAGES IN FRAUDULENT BILLING PRACTICES FOR PROFIT. PLEASE STOP THEM.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (CA)

Hey, I was going through my reports and saw some inquiries on there that I have no idea why they are even on there. 
XXXX XXXX XXXX  Usa ( XX/XX/XXXX ) ~XXXX XXXX Na.., XXXX XXXX ( XX/XX/XXXX ) THESE WERE NOT AUTHORIZED
Consumer complaint received 2022-07-29
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. (GA)

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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo took money from my account by withdrawing {$1900.00} without authorization and took an additional {$1900.00} by refusing to deposit into my account those funds that had been taken out of another account. Here are the details... 

I deposited a {$1900.00} rent check on Friday ( XX/XX/22 ) at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Saturday ( XX/XX/22 ) I had noticed that the teller did not deposit the check but actually debited the account {$1900.00}! The deposit ticket had the account number of the tenant as though the check was deposited in their account. The tenant sent me proof that the check was not deposited in their account but in fact their account was debited for the amount of the check. 

On Saturday ( XX/XX/22 ) I went to a different Wells Fargo branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke to a teller. The teller initially told me that I needed to go back to the original branch to resolve this issue, but they later reluctantly agreed to submit a claim. I was told it would take up to two weeks for this to be resolved and a credit given to my account. These are funds that belong to me and should have been returned immediately. 

On Monday ( XX/XX/22 ) I went back to the original Wells Fargo branch XXXX XXXX XXXX and spoke to XXXX XXXX. He again refused to resolve the problem and told me that I would have to wait two weeks. 

Today ( XX/XX/22 ) ( after trying to resolve this with two different Wells Fargo branches ) I sent an email to XXXX XXXX at Wells Fargo. I have not received any response from XXXX XXXX or anyone from Wells Fargo.
Consumer complaint received 2022-07-29
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. (NY)

There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! Equfax reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Consumer complaint received 2022-12-06
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the addres
s XXXX XXXX XXXX XXXX XXXX fl not mine
Consumer complaint received 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MD)

I submitted a refund request for my last student loan payment on XX/XX/XXXX. I was told that my loan refund request had been submitted when I called on XX/XX/XXXX however in my most recent call on XX/XX/XXXX I was told it was submitted on XX/XX/XXXX. The process went as follows : ( XX/XX/2022 ) - I called edfinanical and requested a refund for my last payment made which was made on XX/XX/2022 for {$11000.00} ( XX/XX/2022 ) - I called edfinancial and requested an update on the refund. The rep said that it had been submitted but could not give me a time frame on when it would be completed due to the high rate of refund requests. 

( XX/XX/2022 ) - I called edfinancial to request an update on the refund. I requested information on the status of my refund from the first rep and was then transferred over to a different rep who I was told handles these types of requests. The new rep said the refund was submitted for processing on XX/XX/XXXX and can not provide any further updates as they do not have any more information.
Consumer complaint received 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

I have made over XXXX payments on my student loans and have been employed in nonprofit ( public schools & state universities ) for over 25 years. I have detailed records of being advised against XXXXXXXX XXXX. Once in the XXXXXXXX XXXX I had forbearances added to my account without my knowledge because I took graduate classes ( this automatically prompts the system to add a forbearance ) so I have payments that were made that will never be counted against my loan. After 25 years I still owe over {$10000.00} and have only XXXX payments count as qualifying for the loan program despite making many more payments. The current provider ( Mohela ) has several inaccurate things on my account which I have been unable to correct. These include saying that the loans are waiting to be consolidation ( have been consolidated over 5 years ), saying they are waiting for employment certification ( I have records of submitting the appropriate documentation ) and they sent me a letter that my account was being processed and my request for discharge would be answered in XXXX business days. It has been over 70 days and I have no correspondence. They have no mechanism to talk with an account XXXX. I have waited on hold for hours, been cut off several times and have had customer service agents run me in circles and then hang up. I have detailed notes on everything and am often reduced to tears because of the situation. I don't know where to turn or who could help me. My loans just keep rising due to being from the early 1990 's and having high interest.
Consumer complaint received 2022-07-29
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. (CT)

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, Equifax reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by Equifax and XXXX and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. Equifax reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. Equifax reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.
Consumer complaint received 2022-07-29
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 (VA)

I have used synchrony bank because it is tied to a card through XXXX they offered years back. Supposedly they have an internal or third party deal with a company called card security which essentially is automatically enrolled in a shady way when I signed up. After 7-8 years I just have come to realization they have charged me over a XXXX dollars possibly thousands of dollars for a service I never wanted or agreed to with a concious awareness. I called card security and they refuse to refund any charges past a year ago. Synchrony bank seems to work with them but will NOT dispute any of the charges and tells me to call them and they can not do anything. Card security says this is a final decision and will not offer me refund of the thousands they literally stole and charged me. I hope to find relief in your solutions and also this must be happening to millions that use the card. The company is a scam loophole it seems in the system ( card security ) and synchrony bank dosent seem better for working with them. Unfortunately this is the first time Ive ever had to reach out externally from a credit card company due to them not helping me recover the charges through disputes. Neither will cooperate. Thank you.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this account.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (LA)

I am not a current customer of Care Credit. I was looking into applying for a loan/line of credit with this company until I saw the outrageous APR interest and how interest can be applied. I am a citizen of Louisiana where the interest on such loans is capped at 12 %. The state Care Credit is based in caps interest at 10 % and the bank it uses, Synchrony, is capped at 12 % in its home state. Yet these companies participate in usury and go unchecked. Their practices are predatory and they should be held accountable. After reading dozens of reviews and reading Care Credit 's user agreement I opted to not apply and to report them.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 2022-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

False debt collection / credit agent scam / threat to have my personal information I received debt collection from this company ( " credit management LP '' XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that I own XXXX communication bills. I called XXXX  to check if I actually own any bills but apparently NO. I called this credit agency to ask for this debt collection information and they keep threating me to give them my identify information and I refused. After contact the XXXX  and they told me no debt was found under my name, I realized this credit agency is a scam. And there are many victims had the similar experience under this company 's XXXX review. Now this debt collection has showed on my credit report and affected my score. Please help to contact them, this is not OK to put false collection and keep threating me to give out my personal information. Need this collection to be removed.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (PA)

In accordance with the Fair Credit Reporting Act, Exeter Finance LLC., has violated my rights, thus this complaint for Unfair Debt Collection practice. I purchased XXXX XXXX XXXX on XX/XX/XXXX. The Auto loan was finance by Exeter Finance LLC. However, on XXXX XX/XX/XXXX, l suffer a job loss. After reviewing my consumer credit report, l noticed debt collection charged off by Exeter Finance. They alleged charged amount owed {$23000.00}. Amount reported to Credit Bureau {$25000.00} ... by Exeter Finance LLC., without proving any relevant additional contact information for account transfer see attachment F. 
I have made numerous attempts to contact Exeter Finance to address this debt obligation, see attachment XXXX XXXX XXXX, in an effort to make a payment arrangement and received no return correspondence. 
Subsequently, l attempted to dispute the debt from the Credit report and the Credit Bureau reported that the debt was in fact, verified by Exeter Finance and continued to report the debt see attachment XXXX XXXX. This Continued reporting without providing me a opportunity to paydown the debt is now creating employment issues for me as well as making it difficult to get hired due to the derogative reporting by Exeter Finance.
Consumer complaint received 2021-05-18
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. (TX)

On XX/XX/2021. My Equifax credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with Equifax, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.