davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Subject : XXXX  Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number XXXX  XXXX XXXX Date opend XXXX XXXX and closed date abr / XXXX. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 
Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 
During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 
My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 
Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 
Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (RI)

Company XXXXXXXX XXXX Identity theft someone hacked my account and purchased items. 
Bank sent to debt collector, debt collector is requesting payment of {$9600.00} on a totally different account number at XXXX XXXX that is a bank account. 

Called company 4 times and emailed 2 times and have not gotten response back. 

I do have police report and identity theft report for proof.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

I have encountered numerous difficulties in successfully making payments to Affirm. Despite multiple attempts, including providing my checking account routing information and debit card details, I have ultimately had to resort to sending Affirm checks from my bank to settle the loan. My bank has confirmed, with documentation, that the checks have been delivered to Affirm before the due date. However, Affirm consistently processes the checks two weeks after the payment due date. As a result, I am receiving harassing phone calls and emails from Affirm regarding outstanding payments. 

Furthermore, I have engaged in several phone conversations with my bank, XXXX, to investigate why my payments via debit card and checking account routing numbers are not processing. XXXX has assured me that there have been no attempts from Affirm to charge my account using the provided information. When I contacted Affirm to resolve the issue, I was informed that the payment method indicated insufficient funds on my side, which is inaccurate. 

I am deeply concerned that this situation will negatively impact my credit score. I have taken all possible measures to demonstrate my diligence in paying my bill, yet the problem persists.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX I had discovered that there had been multiple accounts opened under my name or social security number. The accounts are as followed : XX/XX/XXXX Medical Bill {$55.00}, XX/XX/XXXX Medicall Bill {$650.00}, XX/XX/XXXX Medical Bill {$970.00}, and XX/XX/XXXX Business Acct {$4600.00}. I filed a FTC report # XXXX on XX/XX/XXXX and notified the credit bureaus. Months have passed and I was unable to have everything cleared up with Equifax , Inc, however, life moved on and I just didn't have the time or patience to deal with it. I called Equifax and got the run around and NO HELP at all. Fortunately XXXX  and XXXX  have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting certified documents, so I have no choice but to file this complaint in an effort to clear my name.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX 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 XXXX 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 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 2019-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Blue Global Media, Inc. (NY)

XX/XX/2019 - Approved for a {$5000.00} loan through ELOAN XX/XX/2019 - Funding Date XX/XX/2019 - I called in inquiring when funds would be deposited. Advised within 3 days XX/XX/2019 - I called advising funds still not deposited. Eloan discovered funds went to an unknown bank. Not mine. Advised they have to locate the funds. 
XX/XX/XXXX, XXXX I called in looking for funds? Still not deposited. Told I have to wait. 
XX/XX/2019 - Spoke with XXXX XXXX - stated the escalation dept. was notified. 
XX/XX/2019 - Spoke with XXXX XXXX, no activity, nothing to report. 
XX/XX/2019 - Spoke with XXXX XXXX, advised account with resolutions. Advised he could not deposit funds into account while they looked for the money that went to wrong account. Advised he could not cancel loan and issue a new one without running credit again. Advised the credit hit could not be removed even though I never received funds. Could not give me a a date of resolution. 
XX/XX/2019 - Receptionist would not transfer me to XXXX XXXX nor XXXX XXXX. 
stated they did not have phones. Advised me that the issue would absolutely be resolved by the next day. Per XXXX XXXX thru reception. 
XX/XX/2019 - XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX XXXX advised he did not have an answer as to when the funds would be deposited nor did he have an answer as to how to resolve. He said he needed time, but didn't know how much time. 
I asked to speak to XXXX XXXX, XXXX XXXX superior. I was advised he did not have a phone. Subsequent to that, I was advised he was not in the office. 
XX/XX/2019 XXXX XXXX, left a message for XXXX XXXX advising I did not want the loan and to please refund the payment of {$110.00}, as I never received the loan XX/XX/2019 - Sent email to XXXX XXXX, SVP of Vendor and Operations, advising him of the complete scenario of events. Funds still have not been deposited, despite ELoan, pulling my credit. I have not heard back from XXXX XXXX, nor, XXXX XXXX as of XXXX XXXX
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (KY)

I have two emails today sent from Experian related to my Credit Report. I have no way of opting out of the emails. I dont want no emails from Experian. I told Experian to stop working on my credit report without my permission until arbitration is finished Experian have fully committed fraud. Making false statements to creditors is fraud I want the employees id that dont this I want them fired Im going to sue this company in arbitration I want arbitration found immediately based off this companies abusive ongoing actions. I will not wait. Theres nothing that you can do to fix this situation. The damage has already been done. 

I want the legal department email today I can not get through the phone for nothing. Its been a month.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

A transaction error occurred on XX/XX/2022 while I was trying to transfer funds from a checking account with Chase bank to a XXXX XXXX checking account using XXXX pay. The transaction was for the amount of {$1000.00} and was sent to an incorrect account due to an error in the phone number. Within 5 minutes of realizing the error, I reached out to the unintended recipient of the funds and reached out to Chase bank to notify them of the error. Chase bank responded that they would reach out to the recipient bank and would open an investigation. Within 3 days, I received an electronic letter notifying me that the dispute was closed and that Chase bank would not be doing a reversal. All attempts to reach out to the recipient failed.
Consumer complaint received 2024-09-13
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: Colony Brands, Inc. (PA)

Dear CFPB, Im writing to you about a serious issue with XXXX and other credit reporting agencies. Ive encountered multiple problems that indicate fraudulent reporting, and despite my attempts to resolve these issues, Im met with what seems like deliberate stalling tactics. 

I initially sent disputes to XXXX on XX/XX/XXXX, concerning several accounts : 1. XXXX XXXX Account Inconsistent Reporting : The account shows conflicting statuses like " Derogatory, '' " Collection/Chargeoff, '' and " Paid charge off. '' These inconsistencies are misleading and damaging to my credit profile. 
Contradictory Information : The report lists an " Unpaid balance reported as a loss by credit grantor, '' which contradicts the " Paid charge off '' status. This discrepancy negatively impacts my creditworthiness. 
Fraudulent Reporting : The contradictory information appears intentional and could be considered fraudulent. I requested the removal of this account, but it remains unresolved. 
2. XXXX XXXX Account Re-Aged Account : XXXX shows the " Date of Last Payment '' as XX/XX/XXXX, and the " Date Last Active '' as XX/XX/XXXX. XXXX changed these dates to XX/XX/XXXX, making it appear as if the account is negative longer than it should be. This alteration seems deliberate and fraudulent. 
3. XXXX XXXX XXXX Account Errors and Misleading Information : Account Type : Reported as " Open Account '' instead of " Collection. '' Date Opened : Shows as XX/XX/XXXX, which is unusual for a collection account. 
Balance and Terms : Reported inconsistently, with vague comments and discrepancies in the terms and payment status. 
4. XXXX ( XXXX ) and XXXX XXXX XXXX Reporting Conflicting Information : Both entities report the same account with conflicting details : XXXX ( XXXX ) : Account Number : XXXX, Status : Charged off as bad debt. 
XXXX XXXX XXXX : Account Number : XXXX, Status : Collection. 
Despite providing XXXX with copies of my ID and Social Security card, they claim they have not received these documents. This is incorrect ; I have attached proof of my disputes, ID, and Social Security card for your review. XXXX has repeatedly sent me stall tactic letters, claiming they can not locate my file with the provided information. I received four such letters on XX/XX/XXXX, and XX/XX/XXXX, which I believe are maliciously intended to hinder my progress. 

This situation feels like a deliberate attempt to obstruct and mislead, as my attorney, XXXX XXXX, has also noted. I am deeply violated and hurt by this treatment. XXXX and the other involved agencies are engaging in fraudulent practices, and I am considering legal action. 

Please investigate these issues thoroughly. I am seeking your assistance in resolving these fraudulent entries and ensuring that my rights are upheld. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
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: LEXISNEXIS (MA)

I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

Hello. 

There were unauthorized transactions ( over {$200.00} ) made on my CHIME checking account. I contacted CHIME and made a dispute, 3 days later, they rejected my dispute and closed the card. They gave me no information on why and provided little to no security on my checking account. The unauthorized transactions are from XXXX Now I have little to no money to pay my payments.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OH)

Around XXXX I attempted to purchase a XXXX online from XXXX for XXXX. Before I made the purchase I talked to my friends, online searchs for reviews, and relied on past shopping experiences. I guess I was the XXXX chosen to be scammed because I never recieved the product. I filed a refund request with the business and they denied refunds. Cash App is denying the refund because the funds were sent to a private account versus a business account. I am not claiming discrimination but I am on XXXX for cognitive inpairments. I chose to use cash app because the website gave me the impression I was being provided with a high level of protection from scammers. I did not see anywhere that there was even a difference in accounts. I have screen shotted the chats with cash app and the seller
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX at around XXXX Eastern time. There were multiple withdrawals taken from both my checking and savings account. I received a notification at this time stating my balance was low. This was not me withdrawing money, my card was on my person, and no one has authorization, so I immediately called chase and spoke with claims department. 
While we were on phone, the remaining balance in my account was taken. I was assured this would be taken care of and a credit would be processed. 

XXXX weeks following, the credit that was given was reversed. I then called XXXX again, who then informed me that my claim was denied and closed and they have no other information for me. 

On XX/XX/XXXX i called chase and requested information they used to come to their conclusion. They stated their technology confirmed that my cards chip was used and that is enough to dispute my claim and that it is impossible that I did not approve or use my card.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, I filed a claim with wells fargo ( XXXX ) against XXXX XXXX for ~ {$170.00} because they charged my card for a subscription AFTER I cancelled my free trial. Wells fargo completed their investigation and credited my account. Months later, they reversed the credit and I called again to confirm the information I had provided about my claim the first time and spoke with a lady who said it would all be taken care of and it was their mistake. They never rectified the charge, so my account was closed.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/year> I initiated a {$500.00} transfer to my bank in the XXXX using my Western Union online remittance account. I submitted the remittance and received a rather great rate of XXXX XXXX  per XXXX XXXX Within a few minutes, I was notified that the transaction was cancelled by Western Union but they had already debited my XXXX checking account for the {$500.00}. I called to find out why and they said my bank account in the XXXX was closed. I immediately informed them that the account was open and there was no reason for them to cancel the transaction. I requested a refund but was told it could take up to 9 business days to get my money back. I find this business practice to be unacceptable and something needs to be done about them holding funds that long. It is the XXXX of XXXX and I still have not received my refund.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

I have been trying to get my PSLF from Student Federal Aid, they seemed to misplaced, lost, or gave my info away. I have been trying to get my PSLF resolved over a year now. I have been told to wait, we are updating the system, or tried getting information but can't get past the XXXX-first caller to speak to a supervisor. Multiple scheduled calls to have a supervisor call back never happens. I have completed over 10 years of public service to grant my PSLF. I get the run around and spend a lot of time on the phone with either my service or FSA. If I can't get help with either, I am contacting this agency, next is seek legal attorney, for help. If the next president does away from the PSLF, then my loans become my problem, which the FSA should have helped me. Who else can help if FSA and CFPB can not?
Consumer complaint received 2024-06-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (CA)

MAURY COBB ATTORNEY AT LAW LLC has called me more than 30 times and WILL NOT stop the calls or harassment. They claim I owe a debt that I do NOT owe and has nothing to do with me or ANYONE i know. This is COMPLETE FRAUD. 
There have been no less than 42 separate complaints to the BBB, 20 of which were this year alone and these guys still operate with total impunity from the law. For once I wish there could be some justice from these frauds. 

Info for his business : XXXX XXXX XXXX   XXXX BBB Complaints : XXXX XXXX   XXXX
Consumer complaint received 2024-07-29
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: Nelnet, Inc. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sentry Credit, Inc. (CO)

On XX/XX/year> at XXXX XXXX mountain time, I received a phone call from XXXX XXXX. They left a voicemail that said the following " Hello my name is XXXX with the FBI, please call me back at XXXX. '' I have a copy of this voicemail which is being uploaded to this complaint, and that can be provided upon request If you call either of these numbers, it links to Sentry Credit , Inc .