davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AES/PHEAA (IA)

I have Federal Student loans that are in default with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with XXXX XXXX XXXX ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted XXXX XXXX XXXX in early XX/XX/2019. The agent I talked with ( XXXX XXXX ),  told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on XXXX XXXX XXXX 's website ( Invoice # XXXX ). I then called XXXX back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like XXXX/XXXX  are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX and XXXX XXXX specific date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter.

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (AL)

I opened a credit card with Victoria secrets which is now known as Bread Financial. I've had my card for well over a year. I've made on time payments except for one in the very beginning of having my card. So even though I made all on time payments from the one time the decreased my limit right after I paid my card in full. Made contact was told my credit score wasn't good enough, but I explained doesn't my on time payments count? They told me nope try and ask for an increase after making on time payments. Which made no sense considering I was already doing that and I was penalized for it. Then after that kept my card with the smaller limit figured ok I just stay making on time payments I should be able to ask for an increase. Instead I pay my card off again XX/XX/23 for them to close my account because of score wasn't good enough again. Yet I'm not missing any payments and I make all my payments on time. I feel this is completely injust and not right at all. Something has got to be done about this .my advance stay far away from bread financial they reward loyal customers with decreases and then closing ur account. They cause more problems then good.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ARVEST BANK GROUP, INC. (OK)

Booked my vacation through XXXX on XXXX to travel to the XXXX on XX/XX/20. Paid {$3000.00} with my Arvest debit card. 

Got an email from XXXX saying all trips are canceled due to covid and to talk toy bank about refund options on XX/XX/20. My itenerary was updated and showed a refund of {$1700.00} but I got nothing. 

I have contacted Arvest to dispute twice. The first time they took my info and two weeks later sent a letter saying noting could be done. Second time I called to escalate it and they said they couldnt do anything. XXXX isnt answering calls or accepting info, they ha e layed off their entire workforce and are supposedly closing. 

I joined a XXXX group called scammed by XXXX and tons of people have gotten refunds From their credit card companies and banks. 

Please help if its at all possible
Consumer complaint received 2023-06-13
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. (CT)

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.

The letters are stated with items and issues.

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 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I noticed 25 fraudulent charges had posted to my Chase credit card account between XX/XX/XXXX and XX/XX/XXXX, totaling {$1900.00}. These charges were not authorized by me, nor did I receive any benefit from them. I reported them as fraudulent to Chase via phone that same day and they were removed from my account. <p> On XX/XX/XXXX, I noticed Chase re-posted all of the fraudulent charges back to my account and notified me that their investigation determined that the charges were valid because I benefitted from them. <p> On XX/XX/XXXX and XX/XX/XXXX I called Chase to dispute their finding and request any documentation related to their investigation. I was placed on hold several times for over 30 minutes and transferred to different departments. Neither call resulted in Chase forwarding documentation as requested. I similarly emailed their fraud department as suggested over five times with similar requests. No documentation has been received. <p> While waiting for Chase to send over their documentation, I began collecting my own evidence related to these charges in an effort to prove they were not made nor authorized by me, nor beneficial. For instance, one of the charges occurred at a XXXX XXXX on XX/XX/XXXX for {$83.00} at XXXX in XXXX , CA ( see attached ) by someone with the name XXXX . However, during this time, I was meeting with a patient in my home-city of XXXX XXXX, 380 miles away and can prove so.As I slowly collect other receipts from vendors, as Chase so far refuses to send me any of their documentation, I realize that many of the charges occurred during times when I was meeting with patients hundreds of miles away ( I am a XXXX ). <p> I have never spent anywhere near {$1900.00} on restaurants in a similar period, especially in locations far from my home. It is ridiculous that Chases fraud service did not detect nor notify me earlier of these charges. And it is also ridiculous that as a XXXX, during a pandemic, I have to waste my time fighting Chase over these clearly fraudulent charges.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

J.P. MORGAN CHASE. Credit Journey " XXXX, New York XX/XX/XXXX This Banking institution is constantly doing the wrong things ... They are notorious for ruining ones credit. They had me on their " Credit Journey " as being delinquent with 14 late payments to my XXXX XXXXXXXX credit card for the month of XX/XX/XXXX ... ..I am Always on top of my payments, making sure they are submitted by the " Due Date ''. I checked my account and sure enough there is a payment of {$100.00} to XXXX XXXX in the month of XXXX. I am getting tired of having to dispute issues with them ... .They discontinued the use of my card ... ... I think I am going to take my business elsewhere ....
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (SC)

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 XXXXXXXX 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 XXXXXXXX, 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 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CAPITAL ONE AUTO FINANCE The address listed on the credit report is : XXXX XXXX XXXX XXXX, TX XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Capital One Auto Finance have NOT removed this account from my credit reports, or have sent me any kind of validation.

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.

Thank you for helping me resolve this matter.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (OH)

Experian is further violating U.S Code 1681a and 1681b by continuing to furnish the fraudulent information after notice to remove items were given to furnisher. Furnisher is requesting further documentation from me as a consumer and commit more fraud instead of remedy the solution and abide by federal laws.
Consumer complaint received 2019-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXXXXXX 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, 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 2019-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I only have access to my Best Buy credit card statements from XXXX and XXXX, but I was charged a monthly debt protection fee for my purchases. I made a major purchase on this card for a TV around that time, and used my card to pay for it because of the 0 % financing plan they offered. To the best of my knowledge, I was given no option to select this debt protection fee - as I would, say, an extended warranty - at the time of purchase. I was only made aware of this due to a discrepancy between the outstanding total on the Best Buy credit card site and the You Need A Budget app I was trying to sync it with, which led to my being made aware of this to begin with. 

This fee shows up in my statement as " XXXX, '' and after a brief phone call with Best Buy this morning I was able to opt out. However, according to my statements, in XXXX I this fee totaled {$69.00}, and {$92.00} thus far in XXXX. The monthly amount varies but, after further research, I have read that this fee is approximately {$0.00} per {$100.00} credited - which lines up to with the cost of the attributed TV purchase.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to Affirm since I did not receive the purchased item from the merchant that I used the Affirm loan for. In this case I was hoping to use the resources that Affirm had on their website to resolve the issue On XX/XX/XXXX Affirm closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX Affirm immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : https : /XXXX.affirm.com/s/XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (NJ)

My mortgage company ( Fairway Mortgage ) sold the mortgage to another mortgage company ( XXXX XXXX ). My homeowners insurance company ( XXXX XXXX XXXX, XXXX XXXX is listed as the agent ) charged us {$30.00} to do paperwork to transfer the insurance. They said if we don't pay this fee they will terminate the insurance. We paid a full year in advance, so how could they terminate the policy? Why should I have to pay this fee? Shouldn't Fairway Mortgage pay for this since they initiated it?
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

IN EARLY XXXX XXXX XXXX I MOVED DOWN TO XXXX SO I CHANGED MY ADDRESS  SINCE I WAS MOVING TO XXXX  . ALL OF MY ACCOUNTS SWITCH OVER TO MY XXXX ADDRESS WITH NO PROBLEM AND MY CREDIT REPORT CHANGED TO MY XXXX ADDRESS.  WAS IN XXXX FOR 3 WEEKS DIDNT LIKE IT SO I MOVED BACK HOME TO XXXX XXXX I WENT TO THE POST OFFICE IN XXXX TO HAVE MY MAIL AND MY ADDRESS CHANGED TO MY HOME ADDRESS IN XXXX WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX  AND I WENT TO THE POST OFFICE IN XXXX XXXX XXXX  TO HAVE MY MAIL SENT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. . I  CONATACT ALL OF MY CREDITORS WITH THE NEW ADDRESS AND THEY SHOULD OF UPDATED MY ADDRESS TO THE CREDIT BUREAU . THE ONLY REPORT THAT IS NOT UPDATED IS EQUIFAX. I SENT THEM MY INFORMATION THROUGH THE MAIL 3 WEEKS AGO AND STILL NOTHING BEEN CHANGE . I EVEN CALLELD ON THE PHONE AND I AM GETTING THE RUN AROUND. EQUAFAX STILL SHOWS MY CURRENT ADDRESS ON FILE AS XXXX NOT XXXX  SO IF I WAS GOING TO GET MAIL FROM EQUIFAX IT WOULD GO TO XXXX AND YES INTO SOMEONE MAIL BOX . WHICH IS NOT GOOD. . IVE BEEN TRYING TO SIGN UP AGAIN FOR A EQUIFAX MONITOR SERVICE  WITH MY CREDIR CARD WHICH I CANT BECAUSE THE ADDRESS ON FILE WITH EQUIFAX DOESNT MATCH WITH MY ADDRESS WITH MY CREDITORS  AND I MEAN ALL OF MY CREDITORS THAT ARE OPEN. I HAVE 9 CREDIT CARDS THAT ARE OPEN AND IT SHOWS MY ADDRESS IN XXXX NOT XXXX SO EVERY TIME I TRY TO USE MY CREDIT CARD I GET DENIED