davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (AZ)

I was checking my credit on Credit Karma and noticed significant errors recently, specifically on my XXXX report on Credit Karma. It shows that they closed three ( 3 ) ACTIVE in GOOD STANDING credit card accounts that I use on a regular basis. I went to the direct XXXX site and these accounts are NOT closed on the XXXX site. I contacted XXXX via telephone and filed a dispute even though XXXX did not close the accounts on their end. These three ( 3 ) accounts are showing closed on Credit Karma and have a note that they have been included in a bankruptcy. This bankruptcy was prior to opening these accounts a couple of years ago. These ACCOUNTS ARE NOT CLOSED. I also contacted my lenders to advise them that Credit Karma has reported incorrect information and confirm that they did NOT report this information. I then contacted Credit Karma and they said they only enter information as received. THIS INFORMATION WAS NOT RECEIVED FROM XXXX and they closed these accounts in error. Credit Karma refuses to correct the problem. This is a huge mistake and I need it corrected immediately. How can a 3rd party credit reporting agency arbitrarily close someone's accounts with receiving that information from a lender or the main credit reporting agency. This is an error on the part of Credit Karma. This also adversly affected my credit score.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 Amazon.com incorrectly charged {$150.00} me for a XXXX membership renewal after I had filled out a form on amazon.com to contact me before renewing the membership. 

Also on XX/XX/2023, I called Amazon, and they understood and immediately credited my Chase Amazon Credit Card for {$150.00}. These two transactions occurred on the same day, as evidenced by my XXXX and XXXX credit card statements. 

Instead of entering the credit as a credit to the account during the month, Chase entered it as a payment for the credit card, instead of a charge reversal. 

Since I had a 12 month 0 % interest purchase on my account of {$55.00} per month, the way Chase 's creative accounting is done, my statement requested a minimum payment to avoid interest of {$200.00} or a minimum payment due of {$90.00} that would result in me being charged interest, as opposed to the usual {$55.00} payment it should have been. 

Either way, Chase found a way for me to incur interest by posting that charge reversal as a payment instead of charge reversal or credit during the statement period that should offset the erroneous charge by Amazon. Two hours elapsed between the time Amazon charged me and the time I had it corrected, yet I am on the hook for interest for a {$150.00} that didn't really occur. It is a deliberate, unethical attempt by Chase to maximize the possible interest charges, and an underhanded way to do so. 

This is unethical, and I have closed both credit cards accounts I had with Chase, damaging my credit scores due to the loss of extended credit. 

Since it is obviously unethical, I am assuming it is illegal as well, and I am filing a complaint about Chase 's accounting practices regarding credit cards purchases and credits.
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (DE)

In XXXX of 2022 I called prosper to inform them I had to have XXXX in XXXXan i tried to make some type of payment arrangement with them they refused and wanted their whole monthy amount. I told them not to call me anymore I'm about it. 
I still made a {$75.00} a month goodwill payment. They called me 3-4 times day. It got to the point where I had the block for number. They have easily called me over a 100 times. Here are just a few days of calls. I have documentation of them all.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I have a bank account with TD Bank ( checking and savings ). TD Bank restricted my account with no information provided to me other than to walk into a branch to resolve this. I walked into the Td Branch on XXXX XXXX in XXXXXXXX XXXX on XX/XX/year> around XXXX to resolve this and again was given no answer other than the account is restricted. I need access to my funds and I would like to retrieve my money now to pay my rent. I called TD bank fraud department after visiting the branch and again they had no information to provide me. 

XXXX XXXX
Consumer complaint received 2023-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I was scammed out of two months rent ( {$3100.00} ) via wire transfer through Wells Fargo. I had signed a lease with who I thought was a realtor based in my area, and later found out that the person I sent money to was impersonating this realtor and was not actually planning to lease me the unit I had paid for. I went and filed a fraud claim with WF as soon as I found out, but have received no communication since and have not received my money back. It has now been about 4 weeks since I filed that claim, and was told Id have a response in 10 days.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I booked a flight through American Express Travel for travel in XXXX of XXXX. I cancelled this flight due to unexpected circumstances and received a credit of {$580.00} for the cost of the flight. 
In attempting to utilize this credit, I was only able to utilize the base fair of {$510.00} for the new flight. They retained the ~ {$70.00} in original taxes and fees and charged an addition {$140.00} in taxes and fees for the new flight, which I could not apply the residual credit value to. 
I see this as collection of taxes for services not rendered / double taxation and deserve a refund of the original taxes and fees paid to American Express Travel.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2024-04-29
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. (IN)

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Accounts : XXXX XXXX  XXXX : XXXX XXXX & XXXX XXXX. XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX, Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, TransUnion, and XXXX regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

I have disputed 2 card transactions from a merchant as they are unauthorized fraudulent transactions. These transaction seem to be made with my card number. The dispute was rejected and a week after my dispute results that unauthorized merchant has charged me again! I did not authorize these transactions! 

The transactions are listed below : XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$110.00}. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX in the amount of {$41.00}. 
XXXXXXXX XXXX XXXX  XXXX XXXX in the ammount of {$100.00}.
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: M&T BANK CORPORATION (NY)

On XX/XX/2023, I contacted M & T Bank Corporation to opt out of the sharing of my personal information with non-affiliated third parties. 

Despite my request, M & T Bank Corporation has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MI)

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (IL)

Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of 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. Also Experian, XXXX, XXXX is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I paid a collection account in full. The collectionr agency is still reporting a blanced owed. They agreed to remove the collection account with in 3 days of payment. See confirmation where they say I am paid in full, but show I have {$140.00} cents balance and then reporting i owe {$430.00} on all three of my credit reports. Which is it, cause it cant be all three. Their actions are impedeing me from obtaining a place to live. They should have reported it on the XXXX XXXX, 2023 as they report daily. See below Original Creditor : XXXX XXXX XXXX  Creditor Name : Midland Credit Management , Inc . 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/2023, you made a settlement payment of {$280.00} towards your initial balance of {$720.00}. We are happy to confirm that this payment settles your balance. 

You're all set! 
Note : If you paid with an ACH transfer and the payment gets returned by your bank for insufficient funds ( NSF ), we'll reach out to you again for payment as the payment will still be due. 
Sincerely, XXXX XXXX, XXXX A Professional Debt Recovery Agency This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Here is what is being reported on my credit report : MIDLAND CREDIT MANAGEMENT Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX Original creditor. 
They must be fined for false reporting.
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I have no knowledge of these 2 charges that Franklin Service Inc is trying to collect on. I have never been to XXXX or XXXX and do not know of XXXX XXXX XXXX XXXX. I have tried to call Franklin Services Inc. several times and they immediately transfer me to be placed on indefinite hold. I call back and try to speak with the receptionist and she will not even attempt to help. Instead, she transfers my call to be placed on hold which never gets answered. In addition, I have also placed a claim dispute with XXXX. They are not clearing this fraudulent collection for some reason. My credit is clean. I have zero debts to anyone. Please help. Thank you!
Consumer complaint received 2023-12-21
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. (OH)

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation
Consumer complaint received 2023-12-21
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. (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 Account NumberXXXX 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 2023-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (VA)

Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Affirm due to their unacceptable behavior and poor customer service. Despite my repeated attempts to resolve a payment dispute, Affirm has consistently failed to address my concerns adequately. They have closed out cases without responding and claim I am overdue on a payment that is still in dispute. 

I have informed Affirm multiple times that the issue is resolved, yet they continue to prevent me from making the payment and have marked it as late. As a result, they have disqualified me for having late payments. I always pay on time and usually in advance on my payday. If Affirm does not allow me to pay for the disputed item, my hands are tied. 

Additionally, I have faced rejection letters when checking my purchasing power due to this ongoing dispute, which I believe is unfair. Furthermore, I have been attempting to close out my Affirm card after paying off all items in XX/XX/year>, but I have not received any answers regarding what is holding up this process. 

I have warned Affirm multiple times that I would contact the CFPB due to their poor customer service, but they have not shown any concern. I request the CFPB to intervene and help resolve these issues promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX