davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

Purchased prepaid XXXX card in the amount of {$XXXX} from local grocery store on XX/XX/year>. Immediately visited XXXX and set a new PIN for the card. I then tried to use the card to make an online bill payment to my local water and electric utility company. I have made online payments to this entity ( EWEB ) using their online site and OTHER prepaid cards for years without issue. Payment using this XXXX XXXX XXXX XXXX was declined. I then tried a second time for a lesser amount, which was also declined. I then tried to pay a XXXX XXXX insurance bill, which was declined. I also tried to use the card to pay an XXXX XXXX bill, which was also declined ( note : that transaction doesn't show up on the XXXX website, but I am including a screenshot of the actual declined transaction notification ). And finally, today, I tried to make an in-person transaction at my local grocery store, which was declined ( 3 times, which included a supervisor at the checkout trying to get it to work ). As of now, this company has {$XXXX} of my money, and I am unable to use the card anywhere I have tried. The company 's ability to effectively float my {$XXXX}, apparently indefinitely, is untenable.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc. (GA)

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX employees XXXX  XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I would like to dispute off the following accounts on my credit report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-01
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. (NY)

The Credit Bureaus TransUnion, XXXX XXXX XXXX, can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and sharing my private information with affiliates/nonaffiliates. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

-- I know for a fact that XXXX does not report a bankruptcy on my report. They removed it in 2020 because they could not verify it. ( see attached letter ) -- Transunion clearly states ( see attached screenshot from their website legal section ) that they get this " public '' information from XXXX. They also told me they verified the information with XXXX when I disputed it many times, when they clearly absolutely did not. 

-- I requested XXXX furnish notification of the deletion to all three credit bureaus after receiving their letter. In addition, I sent this proof to Transunion directly, with the letter from XXXX, instructing them to remove it. I requested, and then demanded for a total of three certified letters, that they remove the bankruptcy from my report. ( see attached ) -- They are legally required to remove any information that they can not verify.
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (AR)

I have been receiving multiple calls a day from the loan servicer, I was put in contact with a male whom supposedly consolidated my loans and brought everything current and have a new payment date for XX/XX/year> but they have kept the past due delinquent and has seriously affected my credit score. I was told once I consolidated all the past due would become current.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX and transunion has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. The XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXXThe account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.XXXX, Transunion, XXXX please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My and my sister 's personal and credit information was inaccurate as a result of Equifax blending as as XXXX information ( ex : initially it was my sister 's name formerly known as my name and after sending a bunch of information om several occasions they have it as my name formerly known as my sister ). As a result, my online account consists of my name, formerly known as my sister, and all of my sister 's credit history. We are XXXX separate people. I have been mailing documents and calling since XXXX XXXX. My most recent letter is dated XXXX XXXX. On XXXX XXXX, and Equifax representative confirmed the mailing was received on XXXX XXXX. Why hasn't been my online account adjusted?
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Hello, I was assessed a {$95.00} fee on my business checking, even though I was told by my Chase banker that there would be no monthly fee for upgrading to the business platinum account. I remain concerned that Chase staff don't actually understand the products and services they are offering, and relay inaccurate information to customers.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-08
Product: Credit 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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2024, my credit card was charged by XXXX XXXX in the amount of {$980.00}. Subsequently, I noticed a billing error in the amount of {$240.00} and have made several attempts to contact the merchant and resolve this billing error. Unfortunately the merchant never responded to my multiple communications. 

On XX/XX/2024, I initiated a credit card billing dispute with Barclays. The dispute case ID is XXXX. 

On XX/XX/2024, Barclays sent me a copy of merchant response to my billing dispute. The merchant response itemized billing items, including the item that was billed in error. I provided additional supporting documentation to Barclays to explain the billing error. 

On XX/XX/2024 and XX/XX/2024, I received additional communications from Barclays notifying the case is closed without resolving the billing error. No further documentary evidence was provided by Barclays to explain its decision. 

In accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

By closing this billing dispute without providing documentary evidence to support its decision, Barclays has violated the Fair Credit Billing Act.
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

Prior to moving out of our apartment where my wife and I had lived for 3+ years, our landlord tried to get us to sign a document agreeing to pay for {$200.00} in cleaning fees outside of the lease. We had the place professionally cleaned before move out and left the apartment in good condition, so we declined paying for additional cleaning. 

A month after we moved out, the property manager sent us a bill with multiple incorrect or unauthorized charges, including double charges for utility bills that we had already paid, a handwritten bill for carpet replacement throughout the apartment, and a {$200.00} cleaning fee. According to Department of Housing and Urban Development guidelines, landlords are responsible for normal wear and tear and can not charge tenants for charges not authorized by the lease. 

We asked them for justification for the charges and an itemized accounting multiple times, but they never provided that information. Instead, they sent the full bill to collections and we started receiving calls and letters from the collection agency. We asked the collection agency via certified mail to provide justification for the bill and an itemized accounting, but never received a reply. The credit report has had a significant impact on our credit scores and is affecting our ability to receive new credit.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I'm enrolled in SAVE and, for the past 3 months ( XXXX 2024 ), Mohela is sending me bills for $ XXXXmonth which I can't pay. I've been XXXX  for 2 years and I can not pay. I've tried to reach out and can not get a hold of anyone.
Consumer complaint received 2024-07-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Unlock Technologies, Inc. (CO)

We applied with Unlock Technologies to enter into a XXXX XXXX XXXX and got to the appraisal portion before finalizing. They never communicated that they use something called a " hybrid '' appraisal process since it's cheaper and they are coving the " appraisal '' cost if a customer doesn't decide to enter the HEA. Their hybrid appraisal process consisted of a real estate agent coming to the property, measuring the outside of the house and snapping a few interior photos that they then used for an " appraisal ''. The first appraiser used XXXXt to appraise the XXXX property remotely from XXXX. He appraised it for $ XXXX using XXXX of XXXX comps that aren't even in the same neighborhood of XXXX as our property being appraised. We also brought to our attention we had an in-person formal appraisal from XXXX  ( XXXX  years ago ) that was for $ XXXX and that given the in accurate comp pull, an appraisal from XXXX  years ago for the same amount, and the appraiser not being local that they should have concern for this appraiser and the accuracy. We said we would be willing to pay for a formal appraisal not using this " hybrid '' method we never heard of. Instead the said they had a second appraisal done on the property and that it came back pretty much the same at $ XXXX. The even more questionable part of all this is that the second appraisal they shared has the exact same comps pulled and information it's just the appraisers name/company and appraisal amount has changed. If a neutral 3rd part was truly contacted to run a second appraisal there is no way they would pull the exact 3 same comps especially in a high density market like XXXX XXXX  and with XXXX being not even in the same neighborhood as the address being appraised. There's strong concern that Unlock Technologies is requesting certain details and alignment from appraisers or they are straight altering appraisals to benefit them. 

To put a bow on this. As a realistic average and estimate this property would conservatively appraise for at least $ XXXX. We aren't unrealistic and looking for it to appraise for XXXX like some of the high end of the true comps. Ultimately the bigger concern with this new product and these companies offering HEA products is that they are working with appraisers to appraise properties low and inaccurate to loan out lower amounts of money and then when the agreement ends and they appraise the property to cash out the appraiser will appraiser at a much higher market value resulting in a huge pay day for the lender Unlock Technologies. 

I have attached XXXX documents. The XXXX appraisals Unlock Technologies had done that are virtually identical except the appraiser info and the appraised amount by XXXX and then the appraisal we had done back in XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Barclays Old Navy credit card in store in XXXX of XXXX. Someone used that information and opened a second account under my name that I was not aware of. They used the card without my knowledge, I only found out about it after I started to receive many calls, emails, and text messages about my past due payments. I ignored them at first because when I checked my account it was on auto pay, until I realized that they were talking about a new account in my name that I never even received a card for. I called Barclays Bank many times and have been told that both accounts are now closed and the fraudulent charges are not due, however I continue to receive constant communications about money owed. When I call asking why they tell me that the debt collection department isnt aware of fraud departments closing and XXXX out accounts but that doesnt seem right to me. They also would no use any sort of written confirmation that both accounts were closed and no money is due.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I entered into a Equal payment no interest account at rooms to go with synchrony bank. I was on a monthly payment of {$170.00}. On my bank statement dated XXXX I noticed {$30.00} late fee, {$1.00} paper statement fee, {$2.00} interest. 

On XXXX XXXX I called XXXX and spoke with XXXX XXXX XXXX advised that there was a paper statement fee starting XX/XX/2024 and I was charged interest and late fee because my payment was short the paper statement fee. My new payment was to be {$210.00}. I was told the {$30.00} would be reversed but I still am required to pay {$210.00} otherwise I would incur additional fees after the XXXX of XXXX. 

I advised that it was unethical to charge interest and fees on new paper statement fees but agent communicated there was nothing that could be done. I was made to establish paper less statement option to avoid {$1.00} monthly fee which would be subject to additional interest. I requested all fees for paper statement and interest charged since XXXX be refunded and the agent was not able to do so. 

I was forced to pay additional {$32.00} to avoid fees on top of fees. Additionally, my account was closed due to no adverse action on the account.