davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: M&T BANK CORPORATION (AL)

I had a credit card with XXXX XXXX XXXX XXXX from XXXX until I closed the account in XX/XX/XXXX, after paying off the remaining balance in full. At the time, I requested that M & T immediately close the account. However, after the account was closed, XXXX XXXX XXXX charged me approximately {$2.00} in interest, which I was unaware of since the account was supposed to be closed. 

Because the account was no longer active, I did not receive any notifications or billing statements informing me of the interest charge or that payments were missing. It wasn't until I opened an Experian account almost a year later that I discovered my credit score had significantly dropped due to these charges, which had gone unpaid because I had no knowledge of them. 

Upon realizing this issue, I immediately paid the outstanding balance. I then contacted XXXX XXXX XXXX XXXX to request that the missed payments be removed from my credit report, as I was never informed of the charges, but my request was declined. 

I believe this situation is unfair and predatory, as I was not made aware of any balance after the account was closed, nor was I notified about missing payments. I have a strong payment history and have not missed payments on any other accounts, and this issue is now unnecessarily impacting my credit score. 

I am requesting that my credit report be updated to reflect that I was not delinquent in making payments on this account, and that the negative impact on my credit score be rectified. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I was a student at XXXX XXXX from XXXX to XXXX. I still have a student loan to pay at Navient. This has being going on now for over twenty years. Navient is now transfering the loan to a new company XXXX. I want this student loan to end and get it dismissed! 

I still owe about {$15000.00} dollars after years of paying it off. Can you help me? 
I am now approaching retirement age and I would like to use that money for my savings. 

Sincerely, XXXX in California
Consumer complaint received 2024-09-14
Product: Credit 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: Law Office of Michael J. Scott, PC (SC)

In XXXX  I re d XXXX letters from XXXX XXXX XXXX of a fraudulent pymt made on both access paying them off, immediately called credit card company as they wanted to pursue me for an illegal transaction. They determined it was fraud and closed both access. I pulled my credit report a few weeks ago to dispute the XXXX current seeings and both accts are not showing on my report like they shouldn't, then in XXXX I am now being sued and harassed by a debt buyer co. They will not listen to me they can.not show proof of anything other than bills w an account I have never had, sat on phone for them.to investigate and they to thus day have never called me back. I have asked for contract w my signature, transactions w my signature anything w my signature or anyone for that matter using mine or there signature they just continue to send the same stats and not even all of them. I did go to to police they looked at my paperwork and said they can't do a report since in XXXX  it was handled and doesn't show the original accts on my credit and to co tact your company, the debt co Scott and assoc sent q filing in court and asked for a continuance and was granted even tho I denied and wanted to show my paperwork Judge said it would be in by best interest they were still trying to fi d proof of debt, now 1 wk ago I get a XXXX XXXX  w a less amt and same acct number as first filing, went to court house and showed same acct but because there XXXX different dollar acts they will not remove it, I am beside myself as to what to currently do, it seems the debt buyers k ow I can't get a report because this happend a few yrs ago, a judge who will not listen to me or any reason, only one other card on my report had an issue to to not receiving an item but history will show I have paid all my other accts, and I wouldn't be fighting so hard to straightening this out but it is affecting my hojse, job etc. And no one will listen to me or instant me except the police who sent me to your company and also about 2-3 other debt companies as well are sending me collection letters, so multiple companies have bought thus debt??? I truly don't u derstand
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AUSSRQ Holdings, LLC (IL)

Hi, my name is XXXX XXXX, and my DOB is XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CONCERNING : Oliphant USA LLC {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I hope you are well. I am writing to request a review of the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this action may have been taken by mistake, as I have not breached any of XXXX XXXX  policies or engaged in unauthorized activities. 

Maintaining a reliable and positive relationship with PayPal is very important to me. I have been a loyal user and am dedicated to resolving any issues or concerns that may have led to this situation. 

I kindly ask for a thorough review of my account 's status and the circumstances that led to the limitation. I am confident that a detailed examination will reveal any errors or misunderstandings. I am ready to provide any documentation or additional information needed to support my appeal. Restoring my account would help alleviate my current financial difficulties and allow me to continue using PayPal for secure transactions. 

Thank you for considering my request. I look forward to your prompt response and hope for a favorable resolution. Please let me know if you need any further information or documentation from my side.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm ( s ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife XXXX XXXX XXXX XXXX XXXX I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I was checking my credit report and noticed that there are inquiries that I don't remember I have allowed to be reported on my file - and it is so stressful to see because I do not in any way have permitted for these.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX AND DEPT OF ED/XXXXXXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND DEPT OF EDXXXXXXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TN)

Hi, I went to pay a credit card payment on XX/XX/year> - the payment due date - I was asked if I wanted to sign up for automatic payment, so I agreed and provided my banking information and a payment was approved on XX/XX/year>, the company never processed the payment and now they asked for a {$41.00} late fee. I tried to call customer service but was denied access to a manager, The XXXX women i was speaking to would not transfer me to a supervisor. The XXXX is XXXX or Continental. I had asked the women on the phone to close the account, but she rambled on how late fees would be taken out of my account, all I wanted as a credit of the {$41.00} late fee Please Help, this has upset me for hours
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I have been a XXXX XXXX in the XXXX XXXX  since XXXX 
I have been charged an AMEX annual membership fee every year from the time I opened my account until XXXX when I canceled it. 
I have requested that someone look into why I was charged the fee and each time, I am told the following : ' ... we have checked & reviewed the account & did not find any related case nor details for the reported concern. ' It seems as though they are failing to verify my eligibility under XXXX. 
I have closed the account because from XXXX through XXXX I have been charged an annual membership fee.