davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 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 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. ''
Consumer complaint received 2024-06-17
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. (NY)

I have tried contacting Aidavantage for them putting me into forbearance several times without my permission. Thus resulted in me being charged unwarranted interest, I contacted them several times and they can not give me an explanation as to why they are doing this. 

From XX/XX/XXXX- XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (SC)

I funded a Chime credit card with {$300.00} and then immediately closed the account, in XXXX of XXXX  They said my {$300.00} would be mailed to me in XXXX days and I never got my money. Ive called them every month since asking where my money is and they always say, it will be sent. My ticket number when I call them for this issue is XXXX.
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (AZ)

I had three disputes recently. One was for XXXX XXXX. XXXX was for XXXX. One was for XXXX XXXX both XXXX XXXX and XXXX never got them. In fact I contacted one of the delivery services XXXX because the picture they posted was not my location and I told them and I was told to take it up with my bank no help. I have contacted everyone from the seller to delivery to my bank and Ive had absolutely zero help with XXXX eats it was just an order that I never got as well. Same thing. I had contacted XXXX and XXXX XXXX as well through their apps and each time I did either one I got disconnected or two I was told to take it up with my bank
Consumer complaint received 2024-06-17
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: CITIBANK, N.A. (TX)

This is in regards to my Citi Diamond Preferred CardXXXX. I have lost my card and it have a lot of unauthorized charges. I called and reported right away around XX/XX/year> but they were unable to locate my account and told me to wait till I received a code in the mail. I waited for two weeks and then call back again on XX/XX/year> when I didn't receive anything int he mail. I was told the same thing again that they are unable to verify my identity and I need to wait till I received a code via mail. I asked them if there is another way to get it faster, and their answer was NO. I waited again and finally got a letter in mail on XX/XX/XXXX. I called and reported my card lost then. Now they are not resolving my issue and its not fair with me to pay for something that I did not authorize.Total amount is around {$2000.00}.
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 — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (GA)

I would like to file another \complaint against Landmark for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to XXXX XXXX XXXX. I am hereby requesting all disclosures required by federal law. 
In addition, Landmark failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As part fair credit reporting, they did not adhere to the following practices : XXXX. XXXX XXXX XXXX : We ensure that the credit information we report is accurate, complete, and up-to-date. This includes personal information, account status, payment history, and any relevant public records. 
XXXX. Adherence to XXXX XXXX Guidelines : We follow the detailed specifications of the XXXX XXXX Format to ensure that our data is formatted consistently and accurately. 
XXXX. Regular Updates : We update credit information monthly to reflect the most status of your accounts. 
XXXX. XXXX XXXX : We have established processes to address disputes or errors reported by consumers efficiently and promptly. We investigate claims thoroughly and make necessary corrections in a timely manner. 
XXXX. Compliance with Regulations : We adhere to all relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), governing the reporting and handling of consumer credit information. 
XXXX. Ongoing Training and Monitoring : Our staff undergoes regular training to stay updated on XXXX XXXX compliance requirements, and we continually monitor our processes to ensure ongoing compliance. Considering these discrepancies and the forgery of my signature, I assert that XXXX XXXX XXXX XXXX XXXX is in violation of the following federal laws :
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-05-25
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account Name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-17
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/year>, I purchased two items at XXXX XXXX using my XXXX credit card and my XXXX XXXX coupon, not XXXX cash. The receipts are attached. The cashier did a post adjustment for my coupon. On XX/XX/year>, I I returned the hand bag, and customer service returned only {$9.00} of the {$15.00} ( {$1.00} sales tax included ). I was told they can not change the computer, so that is all I can get back, and I must have used XXXX  cash, which is now lost. I did not use their cash on that purchase, but maybe the cashier made a mistake. I wrote and mailed a letter to the XXXX address on the back of my old statement, since I had not received a current statement. The letter is attached. I demand a refund of the missing {$5.00}. My payment by check to the store in XXXX, Indiana is for {$75.00} which is {$5.00} less than the {$80.00} they claim I owe. I will not pay any late fees for this problem I created, and want my account closed with a zero balance as requested.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (NC)

I cancelled a membership with XXXX as the program did not help me. It was too hard and I needed to use something more at my level of knowledge. They were happy and kindly cancelled and set my account at a XXXX balance. Affirm was taking the payments, I called them and they said they still had not received the cancellation from XXXX but that it should take approximately 30 days. I kept receiving emails for months saying I owed them money, even though the account had been cancelled and it was well past the 30 days. I called them and they said they were still waiting. They now submitted this to a creditor who is saying I owed them a ton of money, I told them I had documentation that the account is at XXXX balance, and they asked me to email it to them at XXXX. I sent them the documentation. they said it could take 30 days to review, less than 30 went by and I received an email saying I still owed them money even though the account is at XXXX balance since XX/XX/year>, with XXXX. They reported this to my credit the same day and said they would give me a grace period to resolve it before they did this. I emailed them back and said I did not owe this money, and I was reporting it to the FTC if it was not resolved. 

The company 's name is XXXX, the website is XXXX, the account number ends in XXXX.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not had any updates on my Transunion credit report. However, every other bureau delete all of the accounts that did not belong to me. Transunion did not process them and they are taking a long. There is no way there were able to validate any of the debt because I have never lived at any of the addresses on my credit report. I sent in an FTC identity theft report with all of the accounts that I was requesting to be removed and maybe only one account was removed. I have sent in my ID and Social which I am very uncomfortable doing being that I am a victim of identity theft. I don't understand why these accounts are taking too long and they they are not able to update these items.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: MECHANICS BANK (CA)

The payments have increased from roughly {$3400.00} to {$6300.00} Mechanics Bank has filed a default against my property a month ago. 

I inherited the property in XXXX. 
There is over {>= $1,000,000} In equity and I only owe {$2500

00.00}. I need to refinance and due to the unique property. I tried this past two wee
ks to get it refinanced. I was denied... the lenders are confused because i have a XXXX XXXX  here. Which is my XXXX... plus I live here. They can't figure out if it's commercial or residential. 
There are two homes on the property and because the XXXX XXXX is a little bigger than the main house they said they could not help me get a new loan. 

I'm a single mom with XXXX kids ... with no help.ive lived here since XXXX. 
I grossed {$93000.00} in XXXX and XXXX. 

I can easily afford to pay a mortgage on a new loan... but no one will help me. 

What do I do?
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (IN)

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge. This company is displaying inaccurate information. I have never attempted to nor have ever had a account with XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

ChexSystems had no option to correspond yet I keep getting emails about corresponding. The link provided takes me to the front page of their website. There is no account options for a individual to open in order to receive direct correspondence. 

I am being denied XXXX opening a bank accountdue to my credit report allegedly. I requested my report. And there is ABSOLUTELY NOTHING IN MY REPORT HISTORY IN REGARDS TO OPENING A BANK ACCOUNT EXCEPT THE XXXX XXXX OVERDRAFT CHARGE OF {$130.00} THAT I HAVE ALREADY FILED COMPLAINT ABOUT TO CFPB. REFERENCE TO MY COMPLAINT HISTORY. 

XXXX XXXX FRAUDULENTLY ALLOWED UNSURPRISED TRANSACTIONS ON A ACCOUNT THAT HAD INSUFFICIENT FUNDING. 

PLEASE REMOVE THE XXXX XXXX OVER DRAFT FEE THAT IS ABSOLUTELY ILLEGAL AND REMOVE THIS DEROGATORY MARK FROM MY CREDIT REPORT CREDIT REPORTING THAT IS VALIDATION FOR CHECK CASHING ABILITIES, EMPLOYMENT ( although I have NEVER had my employment history reporting reviewed for potential employers ONLY CRIMINAL HISTORY LOL ) and never has my CREDIT REPORT AFFECTED MY CHECK CASHING ABILITIES OR OPENING A BANK ACCOUNT. IM NOT WRITING THE CHECK, WHY DID MY CREDIT HISTORY EVEN BE REGARDED? WHY IS MY CREDIT HISTORY BRING REGARDED FORT OPENING A BANK ACCOUNT?? HOW DOES DEBT COLLECTION REGULATE A BANK ACCOUNT?!
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (NC)

1. **Failure to Fulfill Agreement** : On [ XX/XX/XXXX ], we entered into a binding agreement in which [ Conns ] promised to remove a negative mark from my credit report upon my maintaining the account in a current status. Despite my full compliance with this condition, the negative mark remains on my credit report, constituting a clear breach of our agreement.

2. **Retaliatory Actions and Unethical Practices** : Following my report to the XXXX XXXX XXXX regarding [ Conns ] s conduct, I have been subjected to retaliatory actions. My credit has been held hostage, and I have experienced further detrimental impacts as a direct result of exercising my right to file a complaint. 

3. **Unauthorized Charges** : On [ XX/XX/year> ], [ Conns ] unauthorizedly charged my credit card despite my explicit denial of authorization for the transaction. This unauthorized use of my financial information is both a violation of our agreement and an unacceptable breach of trust. 

4. **Harassment and Threats** : I have been repeatedly harassed and subjected to insults, XXXX XXXX, and threats to my life, credit, and well-being from the phone number XXXX. From XXXX XXXX the general manager himself. These calls, which total 25 minutes, have been video recorded and can be provided as proof. This behavior is intolerable and adds to the grounds for immediate termination of our contract. On XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CO)

I have tried to make payments, lower payments, online, yet they'll tell me to call back to speak to someone else, or that I can make a payment today but they can't discuss a lower payment plan until another day. I receive multiple calls a day, throughout the week, from Discover. At least XXXX calls a week. My voicemail will get full and I end up missing calls from my job that I just started after being XXXX  for XXXX XXXX months, I'll also miss calls from XXXX XXXX XXXX who can not leave a message due to the excessive calls and voicemails. I also receive multiple emails. I've explained my situation, and that stuff happens, and sometimes, you can not foresee it, nor can you immediately remedy it. The calls are usually daily starting at XXXX on until late in the evening, from XXXX different phone numbers, that I can tell. I CAN get detailed phone records from my phone company, for however many months needed, but this has been going on since around XXXX, I believe. If there is absolutely XXXX money to get from someone right now, then there's no money. What do you do? Sell a XXXX?
Consumer complaint received 2024-06-21
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (OR)

I self-enrolled for the Wisely Prepaid Debit card in XXXX XXXX XXXX for my paycheck direct deposit and in XXXX XXXX XXXX I requested that wisely close the account and it shows the card as inactive with no indication of account closed, just inactive. I Sent a written request to wisely to close the online account and I received no response or communication from them. I called their customer support hotline and they said that I need to " Delete the app '' and i told them that doesn't delete my account and i can still login to my account, the rep hung up on me and all I want is for wisely to close the account permanently and remove any and all of my personal information from the online account ( Login and any and all access ).
Consumer complaint received 2024-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (OH)

I checked my credit report and found an account ( WAKEFIELD & ASSOCIATES ) that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( XXXX ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.