davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (MD)

First I would like to comment My credit report states that I was late on XX/XX/2022 and XX/XX/2022. I was not late on either month in 2022. 

In XXXX I was injured and I required emergency XXXX on XX/XX/XXXX to repair a herniation in my stomach. I made a payment of {$330.00} on the XXXX of XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my short-term XXXX payments to come in the mail from California. I live in XXXX. They did not put the money in my account. Rather mailed a paper check to me every week. XXXX  XXXXXXXX XXXX XXXX assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

XXXX XXXX XXXX XXXX made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not 30 days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the short-term XXXX insurance company was reinstating my XXXX for an additional XXXX weeks and again it was taking time to process and mail those checks from California. 

I called XXXXXXXX XXXX XXXX XXXX  on the XXXX day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into XXXX payments over XXXX, XXXX and XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX of XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

XXXX XXXX XXXX XXXXe agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a 30 % service connected XXXX veteran.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WA)

i purchased XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX couple weeks later, i moved to XXXX  from XXXX XXXX since then ' i fiulled out XXXX different form and sent fax to hyundai finance for state to state title transferring. and hyundai said different lies since then. 1-we haven't received your title request from capital hyundai ( which i sent them twice ) 2-oh sorry, we lost your title transfer from 3-i see that your title is on XXXX  and on your way home, congrats 4-we can not reach out to XXXX  dmv, it's their fault.. 
when i finally reached out to supervisor of XXXX  dmv, she said that she already sent copy of my title to hyundai on XX/XX/XXXX. 
i have been driving expired title since XXXX XXXX and right now it's XX/XX/XXXX XXXX i financed my car through hyundai finance and pay it every month same day. i need a solution
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

In reference to XXXX Contacting XXXX was not correct to submit complaint to ... see their response beloe " Customer Support XXXX XXXXXXXX XXXX  ( 38 minutes ago ) to me Good Morning XXXX, To protect investors and ensure the markets integrity, XXXXthe XXXX XXXXXXXX XXXX XXXXis a government-authorized not-for-profit organization that oversees U.S. broker-dealers. We work every day to ensure that everyone can participate in the market with confidence. XXXX is authorized by Congress to protect Americas investors by making sure the broker-dealer industry operates fairly and honestly. We oversee more than XXXX brokers across the countryand analyze billions of daily market events. 

XXXX regulates broker dealer firms and representatives within the U.S. securities industry. A broker dealer is in the business of buying and selling securities stocks, bonds, mutual funds, and certain other investment products on behalf of its customer ( as broker ), for its own bank ( dealer ), or both. If your issue is not conducting this type of activity, then XXXX would not be the appropriate regulator. 

Thanks, XXXX Customer Support ''
Consumer complaint received 2023-01-25
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (CA)

Netspend is engaging in a variety of deceptive banking practices in how they are running their XXXX XXXX prepaid checking and savings account combination. 

The checking account was supposed to give a {$100.00} cash bonus. After numerous customer service inquiries with chaotic and nonsensical responses, three CS agents in a row told me over 2 weeks that the {$100.00} bonus would be paid to my account NO LATER THAN XX/XX/22. That date came and went without a bonus. upon inquiry, another agent reversed course and said it would not be paid blah blah blah. This is deceptive and unfair. 

The savings account could only be opened after receiving a qualifying direct deposit. Upon receiving that DD, I was allowed to open the account, which comes with a monthly fee. The only reason the monthly fee is " worth it '' is that the account promises to pay 6 % interest. yet the account did not pay any interest for XXXX. they keep taking the fees but not paying the promised benefits. 

so I'm now in the red on this fraudulent account.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}
Consumer complaint received 2022-08-01
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: Conn's, Inc. (LA)

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I have made 4 separate calls to Ed Financial starting on XX/XX/2022 regarding a refund of payments made during the pandemic. The first two calls I was told it would be 150 days minimum to process the refund. On the third call I was told it wouldnt take 150 days and that 90 days was the maximum. On the 4th call I was told it wouldn't be automatically refunded. 

On the 4th call I also had to press multiple times for the customer service agent to provide me with my original request date. This along with a constant refusal or inability to provide email confirmation that a request was submitted is crazy to me. This level of delivery of inconsistent and unverifiable information is something I have never experienced in 13 years as a borrower or 8 years in financial services. 

On top of this, I am seeing online that every other service provider is able to provide a reasonable time line for loan reinstatement and refund, while it is required to submit a complaint before any movement occurs for Ed Financial. 

I would like to see my balance reinstated and the payments refunded in a timely fashion, not a nebulous and unconfirmed 120 day then 150 day, then 90 and then automatic time frame.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/XXXX I went to a Dentist appointment and tried to use my Care Credit card issued by Synchrony Bank. I was told by the Dentist that they could not find an account in my name using the last four of my social. On XX/XX/XXXX, I called Care Credit and the automated message said I had an account ; and, when I spoke to a representative they informed me that my account was closed by Synchrony. I asked if I could reopen it and they asked to run my credit report and I agreed. I was then informed that I was denied credit and my account would stay closed by Synchrony. Yesterday, XX/XX/2022 I received my " denial letter '' from Synchrony with reference to my application for my care credit card. The denial reason was " existing account with our credit program. '' So, do I have an account or not. If I do, why did you state that I didn't and then run my credit report again? Synchrony Bank continues to play around with my credit and ruin me!!!
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (NC)

I Have made XXXX calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted again XXXX  to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX XXXX  XX/XX/XXXX. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I called to inquire about *the possibility of* a product change ( downgrade ) in XX/XX/XXXX. During that call, I decided against downgrading, told the representative that I was not going to downgrade, and hung up. However, when I checked my account a few days later, I had been downgraded, so I called customer service to re-establish my prior product. They told me that nothing would change as a result of this. 

However, I have not received my {$300.00} travel credit that is part of my product ( Chase Sapphire Reserve ). I usually receive that in XXXX of each year. I received it in XX/XX/XXXX, but have not received it in XX/XX/XXXX. 

Chase has charged me the {$550.00} for the yearly fee, but has not provided me with the {$300.00} travel credit that is sold with the product. 

I have had to call and talk to a representative XXXX separate times over the months since I found this error, and every time they " escalate '' the problem to the correct team. Every response I then receive does not answer my underlying issue, nor applies to my account the {$300.00} travel credit.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

Hello, On the week of XX/XX/XXXX, I had XXXX $ Wiped from my account on Wells Fargo. XXXX $ was done through my debit card using XXXX XXXX, and the other XXXX $ was from XXXX. My roommate who had access through my phone, knowing my password and also had her XXXX XXXX in my phone as well, got into my accounts and sent all of the money to people she knew. I instantly called Wells Fargo once she left and left me a note, I filed claims. My claim for XXXX, and a separate claim through XXXX, which I was told I would be getting the full amount back as soon as the transactions posted, and was never told I needed to file a separate claim for the XXXX transactions. After about a week, I got an email saying that my claim was APPROVED for the debit card transactions. When money is sent on XXXX XXXX, you must use a XXXX XXXX. I call back today XXXX to get a check up on the XXXX transactions. They said the claim was denied because XXXXXXXX XXXX was used to log in. This makes no sense because they approved one claim when XXXX XXXX was used and not the other. She had her XXXX XXXX  in my phone so she could access anything. I want my XXXX $ back and this to be reversed, this is not fair to approve one and deny the other.
Consumer complaint received 2022-12-12
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: Exeter Finance, LLC. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AK)

Why can't these people just let me withdraw my money in peace? I've already completed my XXXX period, but I still can't access my funds. They told me that the bank I used could withdraw, but that was a complete lie ; they kept rejecting it even though the bank was approved in the account. Please allow me to transfer funds to my friend 's PayPal account. I'm sick of filing complaints all of the time.
Consumer complaint received 2022-08-01
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. (MN)

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( XXXX ) and no date for XXXX. All three bureaus are reporting different dates. Thanks
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (CA)

Hello, Was finally able to access my account through Grains app, although it kept disconnecting from the connection to my bank account. XXXX problem is that every time the connection to the bank account disconnects, the app wont let you do anything. Same issue as before but thankfully this time was able to stay connected long enough to make a payment. 

Grain states due date is on XX/XX/XXXX. I had autopay turned on but never received any notification that my payment was scheduled. I scheduled the payment on XX/XX/XXXX and suddenly got an email my account was still past due. 

This has been confusing because if I cant access the app then I cant access the statement that Im supposedly receiving every month. I got another email that my due date is XX/XX/XXXX so I should have been on time and should not have gotten a late fee charged and also gotten a late payment mark on my credit report. 

Grain please fix this, this is the second time this has happened and the excuse I keep getting is that I should have gotten a statement through the app, but how does that help the customer if the customer cant access the app?! And also if the customer keeps getting incorrect email information!!! XXXX attach another screenshot of another email from Grain stating the wrong information. Ive never had payment issues with any other bank/credit card other than Grain!! My only negative mark on my credit report. 

Please review the screenshots included. Last time they were just brushed off
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am a victim of ID theft, my wallet and luggage was stolen from my car on my way to the airport, my passport, ID and ss card was compromised and I filed a police report that has a ongoing investigation with XXXX XXXX division, I also recently filed another police report for the fraud accounts that are showing up on my credit report
Consumer complaint received 2022-09-28
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. (CA)

I am filing a complaint against Equifax and XXXX credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.
Consumer complaint received 2022-09-28
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

In addition this account has been paid in full and is still being reported open by all 3 Credit bureaus.