davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I signed up for a subscription online using the company XXXX to pay in monthly installments in XXXX XXXX I did not want or use the product past the promotional period and the original company would not allow a refund. XXXX reported a late payment past 30 days in XX/XX/year> to Experian. When I disputed the inaccurate credit report of 30 days late the company claimed it was accurate but provided no evidence. The line is paid in full. Since XXXX has not proven in writing the late payment the FCRA requires them to remove the reporting.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX which closed my account 3 days after opening the account they notified me of information that chexsytems reported a XXXX XXXX  account was opened fraudulently also a XXXX XXXX XXXXXXXX a XXXX XXXX  account and a XXXX XXXX XXXX credit card and a XXXX XXXXXXXX checking account and a XXXX XXXX credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank you
Consumer complaint received 2020-06-24
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: NAVY FEDERAL CREDIT UNION (FL)

On XXXX XXXX, XXXX, I placed an order via telephone with XXXX XXXX  XXXX ( dealer ) in XXXX, FL for an item. The amount was {$550.00}, charged to my Navy Federal Credit Union ( NFCU ) XXXX XXXX. I followed up on XXXX XXXX to learn that the dealer could not secure the item from their vendor. I requested a full refund of the amount. The dealer issued the refund and provided me documentation. However, I have yet to receive the refund. I checked with the vendor and they indicated I should have already received the refund. I kept checking with NFCU to determine the refund status ; however, was given no information or insight as to the status. 

I waited eight days before moving forward with a dispute with NFCU, and provided proof of refund documentation. NFCU now indicates the " investigation '' into the matter would take up to four months, and insist that I pay on the account the amount in question. I asked for a provisional credit while the matter is being investigated and they declined. At one point I was told by the NFCU rep that the department I was communicating with were merely " pencil pushers '' and had no further information for me. I asked to speak to the " investigator '' of the matter and was declined. I spoke with a supervisor and was told " there was nothing they could do. ''
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

This account was abruptly closed and then a 30 days late was reported on my credit profile, I contacted XXXX to protest the way I was being treated, as a result they kept reporting 30, 60, 90 days late onto my credit report. The last time I contacted them was last month via certified letter. However, my credit report was updated to a 30 and 60 days late.
Consumer complaint received 2022-12-05
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: Block, Inc. (AZ)

On XX/XX/2022 {$500.00} was taken from my account @ XXXX XXXX On XX/XX/2022 @ XXXX XXXX {$500.00} from an atm but was declined On XX/XX/2022 {$500.00} was taken from my account @ XXXX Total of {$1000.00} has been taken out of my account I filed with cash app a dispute over and over and I have called them over and over I got an email that told me that my claim on the deputed claims have been denied I emailed them back asking why they told me because I have used my card at the location in the past I went back online in a live chat over and over I have called over and over I am told that they will reopen my claim and they will get back to me by email only I have asked to speak to a manager I am told that they dont take phone calls I have asked to talk to someone that is in charge of the claims I am told no they only email no phone calls I am told that someone will get in touch with me by email and its the same thing over and over I asked if they could tell me what atm it was that was used they told me it is a XXXX atm and the best thing I can do is call XXXX  and see if they can refund my money so I did that XXXX didnt have a clue what I was talking about and said they have nothing to do with a refund it would be the bank my card is from I went back to Cash app live chat and it was the same thing over and over I am told by the person in the chat and or on the phone that they have sent my claim to the manager and it will be taken care of and as of Today XXXX NOTHING HAS BEEN DONE TO HELP ME I asked if they can please pull film of who made the transactions they told me no Cash app told me no thats not there job to prove it wasnt me that made the transactions I asked them how or why the 2nd transaction was declined but not the 3 rd one they can tell me nothing it is to the point that when I go on live chat and ask why nothing has been done to help me get my money back I get a message in the chat telling me they have no updates on my claims Something is very wrong with them people they dont care that I wasnt the one that made the transactions they dont care if I get my money back its not them so they dont care I have been hung up by the XXXX over and over and told they cant help me cause the claim has been denied if you need dates that I have called them and or have been in live chats PLEASE HELP ME GET MY MONEY BACK FROM THEM ITS BEEN MONTHS AND MONTHS They tell me it takes 10 days but could be as long as 90 days I just want my money back from them ( CASH APP
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (CA)

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account ACIMA DIGITAL FKA SIMP ( Account Number : XXXX, Date Opened : XX/XX/year>. XXXX {$400.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IN)

Citi advertised the ability to use the Citi Custom Cash credit card instantly via a virtual card that does not require you wait for the physical card to arrive. I have a large purchase that needs made before the card would arrive, which is the reason I went with this corporation/card specifically. I applied yesterday, was approved, and never received a virtual card to be able to use immediately. I called yesterday ( XX/XX/XXXX ) and was told the system was down and I would need to try back later. I attempted again today ( XX/XX/XXXX ) and was told that there was no way to issue a virtual card and I need to wait 7-10 business days for my physical card to arrive.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (PA)

On three separate occasions, This Debt collector sent texts to my wife identifying themselves as follows : " This communication is from a licensed Bill Collector. '' My wife neither signed for this debt or was an authorized user. This is my debt alone.

I was under the impression that contacting a third party & identifying themselves as bill collector is a criminal action that is punishable by hefty fines.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (WV)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-06-22
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. (NC)

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the names below and contains erroneous details that do not reflect my financial history accurately. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. Open Status : This account is not supposed to be listed as " Open ''. This account is inaccurately listed as such. Payment status : This account is reporting as " Missed Payment '' on my report. Under the the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. I urge you to take the following actions promptly : Investigate the inaccurate information. Remove the incorrect account from my credit report if it can not be validated. Correct my credit report accordingly and provide me with an updated copy. I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (GA)

I have been contacting Aidvantage since XX/XX/XXXX trying to get them to extend my current payment on the PAYE plan onf {$190.00} ( which was in effect since before COVID ; orignal amount was {$230.00} and decreased because I paid off the subsidized portion of my loans ). My PAYE repayment plan was set to recertify XX/XX/XXXX, however, per Student Aid 's language, any recertifications prior to XX/XX/XXXX would be pushed out until XXXX. My PAYE plan was automatically recertified with a new payment amount of {$580.00} because my tax information is automatically linked somewhere to Aidvantage/Student Aid. I have been contacting Aidvantange since late XXXX to get this straightened out and was finally told in XX/XX/XXXX I would need to contact Student Aid directly to request this change because they " can not do anything as the payment plan amounts come from Student Aid and they just administer them. '' I can not get ahold of anyone at Student Aid and they claim they have forwarded requests which have not been resolved. Aidvantage has contacted me twice throughout this entire process promising to have the issue corrected within one week and it has not been resolved either time.
Consumer complaint received 2024-05-07
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. (MI)

I have been trying for XXXX years to reset and get access to my Experian acct I have register and have sent messages via Experian XXXX works a with no result at this point the info on my credit report is incorrect and I am unable to log in to my Experian acct.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX **Complaint against Creedence Resource Management for violating the Fair Credit Reporting Act** I am writing to file a complaint against Creedence Resource Management for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a copy of my credit report from [ credit reporting agency ]. The report included inaccurate information that was reported by Creedence Resource Management. The inaccurate information included : {$290.00} shown as debt on my credit report, I did contact credence to explain/send information regarding information on report to verify, no response, also i send certified mail, it was returned to sender. 

This inaccurate information has damaged my credit score and made it difficult for me to obtain credit. I have contacted Creedence Resource Management several times to dispute the inaccurate information, but they have not responded to my requests. 

I believe that Creedence Resource Management has violated the FCRA by : * Failing to investigate my dispute within a reasonable time. 
* Failing to correct the inaccurate information on my credit report. 

I am requesting that the CFPB investigate this matter and take appropriate action against Creedence Resource Management. I am also requesting that the CFPB help me to get the inaccurate information removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc (WA)

My bank ( Chime, XXXX XXXX XXXX XXXX has not reported to XXXX since XXXX and they advertise they report once a month to all 3 bureaus. I asked them why they werent reporting, they said it would report the day after I had contacted them about this ( XX/XX/XXXX ). After that did not happen, they then lied and said it was an error with XXXX. Multiple people in Chimes various online forums have also reported having no reports since XXXX using the same card, and they are actively deleting posts pointing out this issue out on said forums.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XX/XX/XXXX, Bank of America placed a hold on my account for the amount of my total available balance at the time, {$2000.00}, putting my account to {$0.00} balance. 

I've called several times to the bank and I've been tranferred to several different departments, and nobody in the bank seems to be able to tell me why did I get this debit on my account. They said that it shows on the system as a scam hold, however, nobody can tell me which incoming transfer into my account has originated this claim/debit. 

It is incomprehensible how my bank just debits my account without informing about anything or asking me about the transaction that is causing the problem. 

It means that you can receive a payment today and some weeks or months later the money can just be debited from your account without any explanation nor investigation? 
It means that today I pay you for a service that you deliver and in X weeks I call my bank and ask to reverse the transaction, and you will just get debited from your account .... just like that? 

Banks are making it too easy for scammers and fraudsters.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I sent a written Notice of Dispute and requested validation of alleged debt to Navy Federal Credit Union. NFCU did not perform as I requested and continued to attempt collection of said alleged debt. On XX/XX/XXXX, NFCU filed a lawsuit with State of North Carolina in XXXX XXXX via XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX