davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

Affirm Inc added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with XXXX Affirm Inc ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( XXXX ) ( XXXX ) - Permissible purpose, of consumer reports. ( XXXX  ) in general Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( XXXX ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the XXXX
Consumer complaint received 2022-03-23
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. (TX)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX  XXXX  XXXX Balance Owed : {$170.00} ; XXXX/XXXX  XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

I am a XXXX year old woman who is nearing retirement. Now I have to extend my employment and work longer because I was a victim of a scam. Sadly as I spoke to attorney, I was so angry as I learned more. I have never made transactions beyond a couple XXXX dollars. And in less than 24 hours I transferred large sums from my Home equity to my checking account. Then I used my Debit card to make XXXX in large purchases ( XXXX and XXXX amounts ) at XXXX. Again I have never made transactions of this size. Not once did my bank think this was suspicious. if they are protecting me, they would have seen this is very much not normal activity and if they understood the market place and the fraud in the industry, they would have had a clear reason to call me and question the transaction. I would have told them I was working with you on a catching fraudsters. but you would have explained you were not and I would have been protected from a scam. but not one call. in fact I called you and no one even thought to question the massive amounts of money moving from my account. now I am here, extending my employment another year to replenish XXXX dollars as I have a bank that never even had time to call me. my attorney said this is basic fraud prevention for highly unusual activity to be flagged and my bank to call me. it gets worse. I called to report my on line banking was compromised as part of this scam. they have my user ID and pass word. I was told by the fraud team they could only help me with my debit card. so someone could transfer money through OLB or ACH money out and they cant turn off my OLB or change my user ID or even tell me how to do it. in fact the agent told me he wasn't sure they have on line banking? I guess I might be lucky that M & T built on line access for just me and didn't tell anyone. so it makes sense if they don't even know they have OLB and cant help me, how would they ever be able to notice unusual transactions that are so egregious. I am a victim of elder abuse. and a victim of a neglectful bank.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

In XXXX we received notice from Mr. Cooper ( our Mortgage Company ) that our Escrow account showed a shortage and we had to pay it in 1 payment or increase our monthly escrow portion of our mortgage payment. Upon review of the escrow account statements on their own website, there were multiple disbursements and credits, including removal of our " ANNUAL '' property tax amount on a " QUARTERLY '' basis. When we were notified about the shortage, we have had multiple phone conversations with their representatives. One of them they actually called our County with us on the phone and the county stated they had only received the payment at closing in XXXX, and no other payments in XXXX or XXXX, or any over payments. Even after this, the mortgage company is refusing to credit back our escrow account, stating that since the county has received no overpayment, there is no error on their end, yet never addressing the money taken from our escrow account causing the shortage.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My XXXX XXXXXXXX XXXX credit card was closed and charged off as bad debt in XX/XX/2017. However, Experian continues to allow XXXX XXXX  XXXX to inaccurately report the account as an open, revolving account WHICH IS NOT THE CASE. As a result, I have a TON of 90-day late payments reporting each month on my Experian credit report despite several attempts to have both Experian and XXXX  XXXX XXXX correct it. I am kindly requesting that they PLEASE show this account as closed and remove the derogatory 90-day late payments dating back to XX/XX/2017 immediately! I have enclosed a side-by-side of Experian and XXXX  's reporting as a point-of-reference and benchmark for you ; XXXX shows that the account is indeed closed and no late payments post chargeoff. Please help me by having Experian remove the late payments and report the account status correctly because closed accounts should not be able to continuously report new, negative information on my reports. This is hurting my credit tremendously as I'm sure you can imagine. 

Per the FCRA, Experian AND XXXX XXXXXXXX XXXX are responsible for correcting inaccurate credit reporting and this has been going on for far too long. I've disputed this directly with XXXX XXXX  XXXX and Experian and they've done nothing to rectify the situation.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

The company has failed to generate a statement for the cycles I have a {$0.00} balance on. This is not registering with the credit bureaus that this account continues to maintain a positive and good status - it last reported in XX/XX/XXXX, with a " STATEMENT CLOSE DATE '' of XX/XX/XXXX, yet there is NO statement for XX/XX/2019. The balance is reporting accurate as {$0.00}, but the lender can not confirm this is for XX/XX/XXXX and that I did not all of a sudden purchase a ton of items between the last reporting and now. This is going to interfere with my ability to obtain a mortgage.
Consumer complaint received 2019-07-25
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: JPMORGAN CHASE & CO. (NY)

Dispute case number XXXX Merchant : XXXX Amount : {$670.00} Transaction Date : XX/XX/2019 I filed a dispute with JB Morgan Chase Bank for this charge on XX/XX/2019 ; Reason code : Merchandise/Service not received. The charge was for a flight ticket that was canceled by XXXX for engine malfunction reasons, this flight never departed the airport and I didnt receive any compensation from XXXX. 

XX/XX/2019, Chase posted a letter to my online banking account stating the following : We contacted the merchant to discuss the disputed transaction ( s ). The merchant sent us information showing why they believe the charge ( s ) is valid. We sent the information to you in a letter and asked if you wanted to continue the dispute ( s ). We reviewed the information available and found that you either received the services or the merchant made them available for your use. 

I sent Chase secured message requesting a copy of the documents they received by XXXX. I also mentioned that I didnt receive any communication or letters from them regarding this case as they claimed. 

XX/XX/2019, Chase opened a new dispute for this charge ; case number XXXX XX/XX/2019, Chase posted a letter to my online banking account stating the following : While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. 

XX/XX/2019, I sent Chase a secured message requesting the documents they received by XXXX and pointed out that the dispute reason code is not for billing error but for Merchandise/Service not received.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) 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. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

This is an ongoing issue I have with Wells Fargo. I was charged an overdraft fee of XXXX on an item that posted to my account for XXXX even though my ending balance at the end of the day was XXXX. I had and item pending for XXXX which they include all pending items, even though it did not post in your ending balance. I still had enough to cover all pending and posted items and still charged me an overdraft fee. 

I have had numerous problems with this and have had to get the charges reversed. Some they would not reverse because my ending balance they say was not enough to cover pending charges. This I do not feel is right. If an item has not posted to my account then it should not be included in the totals for the day.
Consumer complaint received 2019-04-04
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: Experian Information Solutions Inc. (TX)

I have paid the debt with the original credit with XXXX/XXXX   service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

Going through the XXXX wavier process I did the paper work, submitted, my loans went from XXXX to Fedloan. Before XXXX they were with XXXX. I received an email with the case number : XXXX from Federal Student aid stating that I put the wrong EIN number for XXXX XXXX XXXX. However, when I reviewed the forms I submitted to Fedloan, that EIN number is NOT THE ONE Federal student aid is saying I submitted. Now they are telling me they closed my case because of the number mix up. Ive called them, they told me to call fedloan, I called fedloan, they told me its a student aid issue. Im getting screwed on this deal just like the other thousands of Americans have been. We are always lord to and it is getting old!
Consumer complaint received 2019-04-04
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. (GA)

I've requested XXXX  XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Consumer complaint received 2022-03-22
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: MoneyLion Inc. (TX)

Moneylion Inc Account XXXX is not mine, and should be deleted immediately, and for this reason alone. However, it is clear that this is being falsely reported, and that the information is incorrect thus the account should be deleted for the following reasons : 1.There is pending litigation with this company over predatory lending violations, which demonstrates that this company is unscrupulous at its core. 
2. Across multiple CRAs the account open date is listed differently as XX/XX/XXXX and XX/XX/XXXX XXXX. The stated balance is {$310.00}, but upon looking at the payment history the balance jumps from {$300.00} to {$310.00} on XX/XX/XXXX for no logical reason. 
4. Payment history is reported as none for XXXX, OK/nothing/OK for 11 months then nothing and OK for two months followed by nothing on XXXX, and charge off on XXXX for all months in the same time period with exception of one.

5. High credit is reported differently as {$430.00} and {$500.00} across all CRAs.

6. Past due amount is listed as {$310.00}, but the payment history reflects {$300.00} around the time it was charged off, and the amount that was charged off is listed as {$430.00}. 
7. The date last active is reported as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all CRAs. 
8. The date of last payment is reported as XX/XX/XXXX and XX/XX/XXXX across all CRAs.

Not one piece of information is being reported accurately, and this is a violation of my rights under the FCRA. I kindly ask that this account be immediately deleted from my credit report across all CRAs, and any collection efforts now and in the future cease. 

Thank you,
Consumer complaint received 2022-03-22
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: Credit Karma (CA)

On the XXXX of XXXX I contacted credit, spend account customer service to report fraudulent activity on my account explain to them via phone call all of my money was gone out of my account which was deposited from the IRS my taxes and I had gotten notifications on my email that the new card was issued and sent out to an address that I was unfamiliar with and that the phone number on the account I was locked out of the account the pain was changed to the card I had all these no notifications and when they told me the transactions these people drink my money through XXXX XXXX and at a casino and threw up it's very obvious and evident that it was fraudulent activity they have now not giving me an explanation why but they have denied my claim twice and that is not right they have also blocked my access to my credit karma account and will not send out any Credit Karma spend account card which I have money on my card still and I had a direct deposit so I need my money they are robbing me
Consumer complaint received 2019-04-04
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-14
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. (MD)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan Chase bank had enrolled me into the covid deferment program but they continued to charged and states that they have no record of enrolling me into the program. A 30 day late payment delinquency is put on my credit report for XX/XX/2021 and I would like it to be removed because of inconsistencies with this company.
Consumer complaint received 2022-03-13
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. (IL)

XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, Equifax, and XXXX do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.