davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
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: Synovus Bank (OK)

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Consumer complaint received 2022-07-21
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: DISCOVER BANK (LA)

Hello, I received an email from XXXX that inquiries were made on my credit to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX. I did not try to open any of these accounts. I also received a message that a Discover card was opened in my account. I contacted Discover and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXX, CT and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
Consumer complaint received 2023-07-20
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. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am filing this complaint against Bank Of America the three major credit reporting agenciesXXXX XXXXXXXX, and XXXXregarding the inaccurate reporting of a late payment on my credit reports from XX/XX/year>. 

I had set up autopay for my credit card in XX/XX/year> for this card and received a confirmation following the setup, but due to a failure on the part of the credit card company, it was not activated. This resulted in a late payment in XX/XX/year>, which I was unaware of because I did not receive any paper statements or email notifications about the missed payment. 

Upon discovering the issue, I promptly contacted the credit card company on XX/XX/year> and paid the balance in full, and had any interest fees removed as it was an error on the Bank. The autopay was reset up and the Bank advised they were going to correct the late payment information sent to the credit bureaus. They sent me a letter on XX/XX/year> saying they researched the deliquency and did not find any errors. I called back in after receiving and discovered the agent who submitted it did not provide accurate info, so a representative corrected the information and resubmitted. This still has not been corrected and when I have called, I have not been provided with any additional information, Despite resolving the matter quickly, the late payment was reported to the credit bureaus, and my credit score dropped significantly as a result. 

I contacted the credit card company to dispute the late payments, but they stated that they found no error on their part and would not remove the late payments from my credit report. 

This inaccurate reporting has caused significant harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I believe that the late payments were reported in error and should be removed. 


Thank you for your attention to this matter.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved. I do not have knowledge or obligation to the account. Nothing has been given or shown to me that this account was investigated.
Consumer complaint received 2023-07-20
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. (WV)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

I was sent a wells fargo credit card that i didnt ask for. It was already set up. I then had financial problems and had to use the card. 
A short time later i paid off the credit card. They immediately reinstated my card with with more credit available. Even though i didnt want the card because i know they can cause problems and hurt your credit. Anyway. I started getting harrassing letters when i was behind.I feel they have unlawfully created this credit card and are taking advantage of elderly people. XXXX XXXX. XXXX XXXX
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESBANCO BANK, INC. (OH)

Booked vacation through XXXX on XX/XX/XXXX using delayed payments. First Payment was {$190.00} on XX/XX/XXXX Followed by Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. & XX/XX/XXXX for {$310.00}. Used XXXX  debit card to make payments. On XX/XX/XXXX received provisional credit for payment made on XX/XX/XXXX for XXXX. On XX/XX/XXXX filed complaint to bank for goods or services not rendered. My trip was booked for XX/XX/XXXX. Bank tells me past 60 days denying my claim. My understanding is XXXX has 120 day time limit from time of service date Out {$2000.00}
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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 : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 believe that the information is inaccurate.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I signed up for automatic payments from my XXXX account. But later I stopped using that account so I called in approximately in XX/XX/XXXX to tell Navient to use another account instead for my payments and to cease using the XXXX account. This company has taken money out of the wrong account several months from XX/XX/XXXX to XX/XX/XXXX even after I repeatedly called and told them that that is no longer an account that I am using for loan payments. I have received 12 overdraft fees ( each fee is {$34.00} ) due to their failure to update my account info after I called them several times to request that it be done. They said that I have to specifically say that I want them to cancel any previous automatic payments when I call in. I believe this to be self-explanatory because if I call in to tell them to STOP deducting from that account and gave them new information, that is telling them to stop taking from an account that is not being used anymore. When I called to complain the ombudsman said they would refund my overdraft fees. However, later when the fees were not refunded I was told they would not be refunding the fees because it was not their fault. Now they have marked my credit late 30-60 days because I refuse to pay them until I have the refund. Further, I can not afford to pay the amount they are asking me to pay. They refuse to lower my payments to an affordable amount that I can pay and they will not refund the fees that they caused me plus they have ruined my credit.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

PNC Bank is engaged in unfair and deceptive practices i have a XXXX savings account -- i lowered the balance and got hit with a sevice fee was told the mimium balance sghould be XXXX per month they did waive it after multiple calls and horrendous time with their VRU the udap is that the service fee is not on their public fee scheduled -- because its an old account the next month, with the XXXX balance i got another service fee this time i got it waived again but was told the minimum balance is XXXX  i raised my balance again to meet that -- but have not idea what the balance should be to avoid a fee The PNC representatives are clueless -- warn me they wont waive fees again but wont give me a fee schedule for my fee ( XXXX ) -- i spent almost a half hour to resolve this this month and over an hour last -- They engage in practices harmful to consumers and make it difficult to address
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

The previous dispute was not sent for a response, it was not found in the email. XXXX XXXX XXXXXXXX XXXX and during the period of " late payments ''. I was under the IL state program for financial assistance. In which the bank failed to communicate with the sate for payments over an extended period of time. I called to check and was told several times that the late payment won't post, as I was approved by the state assistance program and the BANK had to only process their end to receive the payment. The bank falsely lied to me on multiple occasions and still reported the late payment, even after being told by two people that it wouldn't be reported, as the STATE was paying the bill and already approved the payments. 

I want the records from the bank to prove that it was on them, why the payments were late and yet to receive a call back about the issue, after a few years of waiting and calling back to check again for the request. They continuously falsify statements over the phone and claim someone will call me back, when no one does. 

Under this own complaints departments - If a mortgage lender refuses or causes a payment to be late under their own authority or issues. Then the customer is not liable. At this time, The bank held a check for multiple weeks after it was mailed in 2017. Then continued to " wait for the point of contact '' to deal with the state after I was already approved for mortgage assistance. That's a banking policy issues and there is no liability or fault by the customer for the failure of the bank to find ways to accept or find the payment that was sent.
Consumer complaint received 2023-07-20
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. (AZ)

-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-07-21
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. (NY)

PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX  2collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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. (NC)

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. 

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 believe that the information is inaccurate.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IL)

I was going into a dollar general and found a debit card, so went to turn it in at same time I was gon na load {$220.00} onto my chime card, I accidently loaded the money onto the females card I found instead of mine. Chime says account is closed, therefore they can't so anything. That it will go back to dollar general.. dollar general said there's nothing they can do.. that's all kiney I have and I did it on accident.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (OH)

I had been charged and paid for Credit protection on my Verve credit card and they sent me to collections without giving me the opportunity to use my credit protection during my job loss. This is what the credit protection was for. This has caused my account to go into collections and to a lawyer.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VT)

There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for seven years is ridiculous. If you want to believe XXXX sayings about debt after seven years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.
Consumer complaint received 2023-07-21
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I used my CitiCard to purchase a series of flights. Within a day, I found out I had been defrauded by an entity claiming to be XXXX XXXX ( they had cloned the website, but had a different phone number ). I notified CitiCard immediately to cancel the transactions, which they did. Then I found out that 2 of the flights that the defrauders had 'scheduled ' actually were real, i.e. they scheduled 2 real flights- the rest were bogus. I have since found out this is a known scam which utilizes resale organizations ( see XXXX ). I contacted CitiCard to cancel the fraud alert for those 2. Over the next several months, CitiCard charged me for all of the flights, sometimes doubly. Frequent calls to them could not resolved the issues - their phonelines had very poor quality ( XXXX? ) and none of my written correspondences were answered. In XXXX, XXXX I canceled the card and continued to try to resolve the dispute. I paid the balance while the dispute was ongoing so I wouldn't accrue late fees or interest charges. Their only written response is to say that the charges are valid because I authorized them. In XX/XX/XXXX I started receiving robocalls from them that I had an overdue balance. It was from an erroneous charge by XXXX XXXX to renew my membership. That problem took another 2 months to resolve and I again asked them to close the account. Now they are asking for another {$520.00} related to the original fraud issue saying the charge is valid. I was never able to use either of the valid tickets, since CitiBank canceled the transactions, so I got stuck in a city far from home and had to pay a significant amount just to get home. 

CitiBank never investigated my claim- the fraudulent phone number and website info would have confirmed my claim. They never provided me with the true identity of the fraudsters which would have allowed me to open an investigation with the FTC, DOT, or FBI.