davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: CITIBANK, N.A. (CA)

I noticed on my XXXX report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called XXXX and they said " it belongs to me ''. I don't have an account with Citi Bank. I went to a Citi Bank location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with Citi Bank or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I received a credit alert from XXXX stating that Elan Financial Service reported that my balance has increased to {$2900.00} and as the result, my credit score dropped by XXXX points. I checked my XXXX credit card statements for the entire year and did not see any statement balance that exceeds {$2000.00}. I paid the majority of my credit card balance before the statement date and have auto payment set up to make sure I pay off my credit card every month so that my credit score won't be impacted. I contacted Elan Financial Services, the credit card issuer on XX/XX/2022, and was told that I need to speak with XXXX. When I called XXXX on the same day, I was told I need to speak with Elan Financial Service. 
I don't know whom I should contact and what I can do to prevent something like this from happening.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/2022 I have requested a validation of debt, to understand why Ally Financial was requesting for payment, when the contract was with a different party. I never received any check stating an amount of money for a loan. 

They have not fulfilled my request, and trespass on my property on XX/XX/2022 to take the vehicle while I was in peace playing with my children.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I sent Equifax a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Equifax sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Equifax removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I called XXXX went through the. Automated added up. My charges and found out none of it added up right it said XXXX. And really with adding it should of been XXXX and nothing negative.the XXXX # is NetSpend the bank.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The credit bureaus have failed to follow the FCRA laws as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX, as defined under XXXX XXXX. XXXX ( XXXX ), per the qualifications for blocking adverse credit information according to XXXX C.F.R. XXXX ( see attached rule ). Because of their actions not taking place in the allotted amount of time, I am suffering. Please investigate these bureaus. They acknowledge receiving the complaints but fail to block the information without any reasonable cause. They had XXXX business days to request any additional information and they have not complied. The date stamped on my previous CFPB complaint indicated they acknowledged receipt of my complaint on XX/XX/year>. Today is XX/XX/year> and they have not responded which is a violation.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I still have yet to receive a response to an contact form inquiry I submitted to Edfinancial Services on XX/XX/XXXX. I have not seen the corrected balance on my account after speaking to a customer service representative. An incorrect balance has been showing on my account as of XX/XX/XXXX. Prior to this date, the amount was correct. My account displays an " adjustment '' of {$8300.00}. This is the exact amount paid from my Federal Employer via check as of XX/XX/XXXX. This adjustment wrongly increased the total current balance, now at {$12000.00}, including interest which has been accruing based on this balance. My most recent payment ( via Employer ; XX/XX/XXXX ) applied to the principal and interest, that would not have accrued at the rate it has been, based off of an incorrect account balance. I have requested Edfinancial Services to adjust my loan balance, as well as recalculate/adjust interest based on the correct total. I reached out on XX/XX/XXXX via a contact form, as well as called numerous times until reaching a customer service representative on XX/XX/XXXX. I was not guaranteed a resolution. I have yet to receive an account adjustment and poor communication from the servicer will not allow me to be notified if my account is ever corrected. I have offered to provide documentation as well as record of previous payment history.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

We made the credit card balance payment on the due date XX/XX/2022 at XXXX pm CST ( the time zone where we live ). But the card issuing bank ( Citi ) still charged us a late fee ( {$29.00} ) and an interest ( {$27.00} ) saying that the payment should have been made by the Eastern time. Never did they say clearly that the deadline is according to the EST ( or, it must have been in very fine print which we were never made aware of ). In our opinion this amounts to defrauding the consumers by using a different time zone to slap consumers a late fee and an interest, and hence we are seeking a full refund of the total disputed amount ( {$56.00} ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-11
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts..
Consumer complaint received 2022-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc. (NY)

I have tried multiple times to get onto a repayment plan after defaulting on my loan. My loan was given to a collection service, however, because the loan was distributed in the statement New York the collection service cant legally collect. Now I have no way of actually paying my loan and kept being told some one will contact me about getting my loan to be payable. Every time Im told to wait a few but no one ever gets back to me. My loan is damaging my credit and my co signers dreading because its going unpaid and they have not offered any solution after months of trying to resolve this issue.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I got a call from a XXXX Agent claiming to relieve the loans I have through their debt relief program. Being naive I gave them my SSN and applied for their program. I've made 2 payments but realized something was fishy and decided to login to my FSA student account. I saw that my loans where forgiven by the XXXX administration and that I have {$0.00} loans to pay back. On XX/XX/XXXX I logged back into my account and realized SOMEONE HAS COMPROMISED AND STOLE MY IDENTITY AND APPLIED FOR THE SAME AMOUNT OF LOANS FROM A STUDENT LOAN SERVICER I NEVER HEARD OF UNDER MY NAME. Which didn't make sense because my loans just got forgiven and I'm not in school anymore! 


I went to check the email linked to my FSA student account and saw an on XX/XX/2022 saying I received an email from a Student loan Servicer call Mohela about taking out a loan for the amount of {$13000.00}. I NEVER authorized this payment! The email also included that they have been trying to call me and mail to my address but the address they have on file is invalid. So that means someone is using my SSN along with invalid information to attempt to apply for a student loan in my name. 

The file is currently still being processed but I need it to be canceled and the loan Disputed, BECAUSE ITS NOT ME!
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

Hi, my name is XXXX XXXX and I am contacting Discover Bank on behalf off my account # XXXX. It is a secured credit card that is supposed to be helping my credit however it is doing the total opposite in which wasn't proposed to me when this account was opened. There are two late payments for XX/XX/2021, and XX/XX/2021 however this is my own money I put as a deposit on this account so it is impossible to be late on my own $ that I put down as a deposit for this account according to the FCRA and USC laws. Please see the enclosed documentation attached. Also I have autopay enabled there was an payment processing issue on Discovers behalf reason to why the payments never cleared in the first place.
Consumer complaint received 2022-08-10
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. (AR)

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave equifax, XXXX, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX, equifax and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have submitted too many complaints with CFPB regarding my issues with XXXX. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with XXXX investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX is suppose to have came with {$1.00} XXXX in Identity Theft Insurance - my information was sold to the dark web and XXXX did nothing. My phone number was sold to the dark web and XXXX did nothing. My email address was sold to the dark web and XXXX did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.
Consumer complaint received 2022-07-30
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: JPMORGAN CHASE & CO. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MA)

I was at a Wyndham XXXX XXXX  presentation in XXXX  with my wife. The sales rep said they needed my social security # in order to see what type of time share package I would be eligible for. At no time did the two representatives that did the presentation said anything about me applying for a credit card. We spent 2-3 hours at the presentation and about a half hour after we left, I got an email stating I have been approved for a Wyndham credit card. I never authorized anyone to apply for a credit card in my name. I immediately called the credit card company, explained my situation and closed the card. I tried to contact the Wyndham XXXX XXXX presentation site, but was unable to find a way to call the location directly. I spoke to a sales rep who is unable or unwilling to find out who opened a credit card in my name without authority. 

Secondly, they also did a bait and switch on us. We were told we could sign up for their " XXXX XXXX '' and try out all the time share benefits as a time share owner without commitment. After signing some documents and handing our credit card and financial info over, we discovered the XXXX XXXX have limitations and DID NOT have the same benefits as a time share ownership. The Wyndham XXXX XXXX might have been a decent product, but the sales tactics are so manipulative and deceiving! We were told one thing and then given something else.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$XXXX} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I WAS LOOKING TO RENT A VEHICLE ON XXXX AND CHECKED TO CHECKOUT PAYMENT WITH AFFRIM AND WHILE LOOKING AT THE PAYENT PLANT THE TRANSACTION ACCIDENTALLY GOT PURCHASED AND CANCELLATION POLICY WAS STATING CANCELLATION WITHIN 24 HOURS WILL NOT BE GRANTED NOR APPLIED. 

AFTER THE FACT THE PURCHASE IN THIS CASE A VEHICLE TO BE RENTED WAS NEVER INTEDED NOR USED AT ALL AND AFFIRM RELEASED THE MONEY TO XXXX XXXX XXXX DO NOT PROVIDE ANY POSITIVE FEEDBACK/REFUNDS.
Consumer complaint received 2022-08-10
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 (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$3900.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX