davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (WA)

I have been contacting both Affirm and XXXX about the defective fabric on a couch that was delivered in late XXXX. I kept on getting the run around on " no that's normal, it fades ( I live in XXXX, I get at the most XXXX minutes of sun and it's on the sofa ). I purchased the extra warranty which from what I understand doesn't do anything but bring a stranger into my home to look at it after I sent in several photos showing the issue. I have paid my loan on time and looking for a resolution. XXXX, who the couch is from is not helping either.
Consumer complaint received 2022-08-05
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: Bread Financial Holdings, Inc. (CA)

Comenity Bank This account continues to appear on my XXXX Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but XXXX and Comenity Bank have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NC)

It is a violation of Hippa law for medical records to be shared without the consent of the consumer. I did not give the creditor consent to share my information with a third party. I dont not owe any debt to the creditor or to the third party. my insurance covers the cost of all visits to doctors
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (HI)

I structured my XXXX payment through XXXX as an electronic payment which Apple wouldve received on the same day that payment was scheduled, XX/XX/XXXX. Apple, according to XXXX, instructed XXXX to send a paper check instead. Through the mail. XXXX processed that check on XX/XX/XXXX and did as Apple requested, mailing it. Apple received that check on XX/XX/XXXX, but did not post it until XX/XX/XXXX, resulting in a {$52.00} interest charge for late payment. 
The fact that Apple declined an electronic payment and instead created this situation of unnecessary delay, not only through requiring a mailed check rather than electronic payment, but also by failing to post it even though it has been in its possession as of XX/XX/XXXX is entirely Apples problem. Charging me interest under these circumstances strikes me as a scam and I am quite concerned about this. I have had this Apple credit card since XX/XX/XXXX. I have always paid the balance in full electronically on the last day of the month and my account has always been credited immediately with that payment. This changed two months ago when Apple twice converted payments from electronic payment to paper check and Failed to post the check upon timely receipt. In both circumstances Apple charged interest. They reversed the interest charge from my XXXX payment after I complained to you, but have not done so for XXXX. I was told by two Apple supervisors that Apple is trying to move customers away from third-party payment platforms like XXXX, and instead encourage people to pay through Apple XXXX. By creating a situation causing the late payment, and then charging interest, I believe Apple is engaging in unfair and deceptive trade practices.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion never sent any updates by mail or email. Transunion never updated incorrect personal information last name addresses. Under the Fair Credit Act 15.6a I'm requesting all original documents Transunion used to verify and update XXXX XXXX XXXX XXXX XXXX XXXX Transunion needs to do a better job at customer service, I've been trying to get in contact with a person for the last month no response. XXXX XXXX XXXX XXXX XXXX XXXX and corrected my personal information.
Consumer complaint received 2022-08-14
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. (MI)

Equifax has violated my federally protected rights under the FCRA. I have called multiple times and sent correspondence trying to get the method of verification of the following accounts on attachment letter and they failed to provide it by mail as stated. The FCRA gives me the right to request the method of verification to ensure my consumer report is equitable and fair to me.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp. (GA)

I am a licensed firearms dealer and my customer from XXXX was wiring funds for a purchase to secure inventory while I processed an export permit with XXXX. I sent the international wire instructions from Relay Financial Technologies , Inc. that used XXXX XXXX XXXX as their payment processing institution. My customer sent the wire and sent me the wire confirmation. I then received an email from Relay asking for the nature of the wire and for additional information. I provided the information, Incvoice and a letter from XXXX XXXX XXXX that explained the transaction. About an hour later, I received an email notifying me that the transaction was unsuccessful. I then called and opened a trouble ticket with Relay and inquired as to the reason it was unsuccessful. They responded by writing to me that XXXX XXXX declined to process the payment due to internal policies and sent me a link to their site. While this was a lawful transaction, XXXX XXXX applied their internal policies to a wire transfer. This is illegal in the state of Georgia where I have offices, and the state of Wyoming where I am registered, under XXXX. XXXX and Wyoming Statutes Title 13, Article 3 discrimination by denying a service to the firearms industry. Since they are nationally chartered, they must comply with all state laws. I want you to suspend their ability to operate in the united states until they comply with state laws of Georgia and Wyoming.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Every time I try to transfer money from Marcus to an account I own at another bank, different problems happen. It is almost impossible to get my money out. Searching XXXX, it is clear I am not the only one Example problems : 1/ Transfer reversed due to suspected fraud ( no phone calls to check anything, just a full reversal I happened to notice ) 2/ Phone rep telling me my birthday or social is wrong 3/ Supervisor hanging up during the handoff from the phone rep 4/ Waiting 20min for a phone rep to get approval just to send me an OTP over text to validate me ( why do they need approval? ) 5/ The bank requiring a three-way phone call with the destination bank to validate my account, despite me already doing that at the website using Plaid 6/ The bank needing a second three-way phone call because they forgot to write down the account number after confirmation 7/ The bank rejecting a second transfer to an approved account even after all of the above 8/ Pull transfers from other banks also being rejected I really feel like my money is being held hostage.
Consumer complaint received 2024-05-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hi, Assignment of Mortgage filed on our XXXX XXXX Records of Deeds XXXX, without a Power of Attorney, making document Illegal, need Power of Attorney authorizing Assignment of Mortgage, XXXX had no POA, to do anything on our mortgage after XXXX.
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I opened an account with Synchrony Bsnk for XXXX XXXX card in XX/XX/year>. I have made all my payments on time and for more than the minimum required every month. I received an email that my account was closed for credit reasons. I called the company this morning, and they stated they closed an account in good standing. This makes no sense to me, and I believe they did it to intentionally drop my credit score.
Consumer complaint received 2021-11-28
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. (VA)

i am extremely upset with Equifax. i have not heard back from my dispute in regards to the response to an investigative report. I have sent in two XX/XX/2021 and XX/XX/2021 dispute letters. i checked my consumer report and equifax has failed to do their duty and complete my dispute/ investigative consumer report 15 usc 1692e ( 8 ) failed to state that i disputed accounts is also violation. as i am currently viewing my consumer report i noticed that the items in which i have disputed one have not been noted that i have disputed them. which is a clear indication that Equifax has not do their job to complete or do my investigation on my consumer report. items are state that they are verified and i wonder how. based on the definition of an investigative consumer report " However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. how can something be considered verified when factual information can not be on an consumer report obtained directly from a creditor of the consumer which i am the consumer. also, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. well my friends or associates did not have any interviews with the consumer reporting agency. my credit worthiness is not defined its my mode of living, general reputation and personal character tics. I am upset that equifax is not telling the truth and reporting items on my report that i did not provide written instructions to do so. 
there are inquiries listed on my consumer report that is not a firm offer of credit or insurance, 15 us code 1682 ( c ) ( 1 ) ( a ) ( i ) ( 3 )
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Subject : Dispute Regarding Improper Reporting by Discover Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account on my credit report by Discover. The inaccurate information reported by Discover has negatively impacted my credit score and financial standing, and I believe it violates the provisions of the Fair Credit Reporting Act ( FCRA ). I request your intervention in resolving this issue and ensuring that the improper reporting is corrected or removed from my credit report. 

Fair Credit Reporting Act ( FCRA ) Violation : Discover 's improper reporting of the account violates the FCRA, which requires accurate and fair reporting of consumer credit information. The inaccurate reporting has adversely affected my creditworthiness and financial standing. 

Fair Debt Collection Practices Act ( FDCPA ) Violation ( if applicable ) : If the improper reporting involves debt collection practices, it may also be in violation of the FDCPA, which prohibits unfair or deceptive debt collection practices. 


Thank you for your time and assistance in resolving this important issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (NH)

I went on XXXX XXXX with the XXXX  in XXXXXXXX XXXX XXXX and I contacted Military Star asking about SCRA Benefits. They provided an email address which was incorrect and told me this was the only way to get benefits. Around XXXX XXXX XXXX, I called to have pay off the card and have the late payment removed from my credit report. The representative accepted my terms and I proceeded with the payment. After completion of Payment the representative state she was not able to perform the removal of the remarks she agreed upon in exchange for payment. She gave me another email address and told me to contact the dispute department ; this address was incorrect again. After this issues I have filed multiple disputes with the Credit Bureaus and out of reprisal the creditor added another late payment which all three credit bureaus have dropped from my credit score. Additionally, this creditor sent a letter directly addressed to my employer with a partial account number and past due balance in direct violation of the FDCPA. I am supposed to be in a protection period under SCRA and NH State law from these actions against me and request the CFPB assist in protecting my rights under state and federal law.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

I have my loans serviced through MOHELA and they switched over their platforms. During this time I could not log in to pay my loans and I also could not use their new platform. This resulted in me having no way to pay my student loans for XXXX  months. I do not think that it is fair that I was being charged interest with no way to pay my loans.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3. XXXX, Equifax and XXXX assumed this role without permission not only that I never did give my consent. XXXX, Equifax and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. XXXX, Equifax and XXXX did not exercise grave responsibility, XXXX, Equifax and XXXX were unfair, XXXX, Equifax and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX, Equifax and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed XXXX, Equifax and XXXX to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (IL)

I believe I am a victim of consumer fraud, theft of securities, theft by conversion, theft by coercion/under duress, unjust enrichment, deprivation of due process, discrimination and the list goes on. I believe NAVY FEDERAL ( any and all derivatives ) has been committing these unlaw crimes against me since the day we have been in business together due to my lack of awareness and competence at the time of signing our agreements. I have brought this matter to their attention on numerous ocasions by way of email, paper mail, phone call, even their app XXXX XXXX, but they either deflect or ignore this matter, assuming nothing will be done ( I assume ) or maybe because NAVY FEDERAL and/or its agents believe they're above American Constitutional law, not sure, but no one is bigger than Law. I have provided NAVY FEDERAL lawful tender, being restrictive endorsed bankers acceptance and/or registered/asset-backed security. Lawful tender has been specially deposited into Navy Federal 's possession, making NAVY FEDERAL holder in due course of the obligations that needs to be fulfilled. NAVY FEDERAL never fulfills the obligation, and proceeds to resubmit these exact issues to this estate every month. I believe Navy Federal is stealing these securities and trading them on the secondary market WITHOUT making my estate Whole, those assets are MDA Trust Res and needs to be returned to the rightful owner IMMEDIATELY! The securitized assets are valued up to about {$500000.00} USD, NAVY FEDERAL have every original issued security.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

XX/XX/XXXX - I submitted a form to have my payment be calculated for XXXX XXXX XXXX. The website informed me it would be 15 days for that to be processed. 
Sometime in XXXX I called and was told my payments would be in forbearance while the form was being processed. 
On XX/XX/XXXX, after they drafted {XXXX} ( in XXXX separate drafts ) from my account, I removed my bank account information and canceled the auto debit authorization through the company 's website. I also messaged them to say I do not authorize any auto draft as I am in forbearance. I requested a refund. 
XX/XX/XXXX, I messaged them again stating there were XXXX additional forms submitted that I had not submitted and I had not received a refund of the illegal drafts. 
XXXX XXXX, they drafted my account again. And I messaged them again. 
XX/XX/XXXX, I messaged again. 
XX/XX/XXXX, I received the processed letter with my payment adjustment stating my payments would begin XXXX... yet they drafted off my account again on XX/XX/XXXX. Again, no refund has been received. They did respond to this message stating they need more information and I have to call. The issue with that is, I have called. I believe three times I have confirmed with their agents that those payments should not have been drafted and will be returned to me. Yet, they continue drafting... even though I removed my bank account from the website. Even though I submitted to cancel the auto draft. Even though I have repeatedly messaged that I do not authorize the auto drafts. The agent on the phone says the payments are not being auto drafted, that I am calling in and making payments. I am not.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I sent {$300.00} on XX/XX/2022 via XXXX through Wells Fargo to XXXX for a concert ticket but it ended up being a scam. She never sent the ticket and now I am out {$300.00}.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three  credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems