davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MN)

My credit card was charged the following amounts on the following dates from XXXX XXXX XXXX. {$260.00} XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and I contacted XXXX trying to figure out what the charges were for when we discovered that I had a medical policy in XXXX with a company at this number with a different name. I cancelled that policy in XX/XX/XXXX because it was not the Health Insurance I was told I would be getting. XXXX told us that they would need a complete copy of my credit card statement in order to figure out what I was being charged for. They did confirm my cancellation in XXXX. 

I next called Discover and disputed all of these charges. Temporary credits were issued by Discover. XXXX sent paperwork to Discover claiming I requested their services. Their claim is false and I tried to explain to Discover that my name is misspelled ( XXXX XXXX ), my address is incorrect, my phone number is incorrect, my email is incorrect and the signature is not mine. 

I have been trying to resolve this issue since XX/XX/XXXX. I have received credit back for all charges except {$530.00}. The XXXX charge of {$240.00} and XXXX charge of {$290.00}. 

On XXXX XXXX Discover placed a stop pay on my credit card to try to prevent XXXX from charging my account again but on XXXX I was charged again. I contacted Discover immediately and they then shut down my card and issued a new card. 

A Discover Card representative told me that if I got a termination letter from the company all charges would be removed so I contacted the company and forwarded the termination letter to Discover only to be told it did not matter. I again tried calling Discover and was transferred to a XXXX XXXX, in Ohio. She told me that the merchant had shown proof that I did agree to this transaction and the case was closed. XXXX was on the call wil me and was asking how their claim could be valid when all of the information ( spelling of name, wrong email, address, etc ) when XXXX announced she was ending the call and hung up on us. 

Please note in compiling this information to file with your agency, I have found that the charge of {$290.00} on XX/XX/XXXX was not issued a temporary credit and it should have been part of this dispute. There have been so many charges and credits regarding this matter it has become very confusing. 

At no time in XXXX did I authorize XXXX to charge my credit card nor have I requested their services.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please UPDATE and CORRECT the status of the account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I previously had a loan with them as my car as collateral. I had no issues and every payment was on time. I was paying off the loan fairly quick because I made an extra monthly payment. They emailed and called me asking if I wanted to take out more on the loan. I was involved in a XXXX XXXXXXXX situation and said yes to use the funds to get out of the house. They now have the loan at {$20000.00}. Ive paid almost {$1000.00} since XX/XX/2022 and the loan only went down {$200.00}. I called them and they said all loans in Texas are now interest bearing loans so a certain percentage goes to the interest and the rest to the main balance. I explained thats NOT what I had previously. They refused to send my loan agreement ( claimed they emailed it previously but I dont have it ). Theyve been very uncooperative.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

In XXXX XXXX XXXX, the company, ( EdFinancial ), changed addresses for delivery of payments to service the accounts. We had an automatic payment set up with my XXXX XXXX Savings Account to go to the old address. 3 payments, ( 2 of {$300.00} and 1 of {$24000.00} ). The total amount of the checks sent were {$600.00} more than the posted principle payoff amount totaled. and were sent and received well before the forebearance period had ended. When they switched over to their new system and mailing address it took an incredibly long time to find 2 of the 3 checks ( 1 for {$300.00} and 1 for {$24000.00} ) and to date still have not found the 3rd for {$300.00}. When they received the {$24000.00} check they misapplied it and the {$300.00} check to the outstanding loans. 

There are 7 loans in total. A combination of Direct Subsidized and Unsubsidized Loans. The balance on 4 of them has been taken to {$0.00}. One has a negative amount listed for {$7700.00} indicating an overpayment. The remaining 2 have active balances of {$5400.00} and {$2000.00} Respectively and are showing that they are actively accruing interest. The overage amount is approximately {$300.00} more than the active amount. They are not applying funds correctly, are charging interest on loans that should be paid off and are holding funds that should be returned to me.

Contacting them is a nightmare, Repeated calls and 3-4 hour wait times are the norm. When they take notes and promise to get back to you, it never happens. If you try and take advantage of their phone system callback feature it never works.
Consumer complaint received 2023-12-08
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. (FL)

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 Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Have repeatedly reported that company has lost financial information in disputes for past XXXX months and have each time been ignored by credit reporting agency. If they looked they might find it very odd that the final charge off was XXXX after the original balance was XXXX and the account has been open since XX/XX/year>. The multitude of missing payments have Left an account costing more than the original balance and yet that didnt seem suspicious to agency. When given the correct amount that company attempted to hide they went in and added a new pay down amount from prior repossessions of vehicle ( that came after incorrectly posting payments ) even with the update the final balance did not change and they company still is asking for a incorrect Balance. Balance owed shows {$2600.00} before company manipulated data and attempted to delete information. Company has also ignore emails after asking for that to be the form of communication so to lying over the phone
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

I Have 2 credit inquires that i believe its fraud The First One is by Best Buy credit card services Second one is by XXXX XXXX credit service never applied for any of these credit cards to have inquires from these companys can you help please thanks
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX an identity fraud took my driver license and went to a Chase branch in XXXX to perform an unauthorized wire transfer. They were able to issued {$18000.00} out of my checking account plus added {$40.00} fee including wire transfer fee and card replacement fee. The impersonator was able to do that with just a driver license without an account number or debit card. I filed a claim with Chase as soon as I saw the suspicious activities through email. I also worked with the local police department and they started their investigation. 

Chase claim department denied my claim in a week, they said due to the lack of evidence. Since then I have tried to fax them information about my whereabouts to prove that this is an identity theft case. After multiple attempts of faxing them the documents, they said they do not need this but a police report. I got the police report from the detective on XXXX. Since then, I have tried to fax the Chase claim department the report but they gave me the wrong department fax number every time. I have tried at least 10 times on faxing them the report after spending hours on customer service. Finally I was able to speak to a supervisor on the claims department and he direct me to the right fax number and mailing XXXX XXXX XXXX XX/XX/XXXX. This time they received the report electronically and in mail. Today when I call back to ask for the status of the claim, they told me the claim is denied again and there is nothing they can do to recover my funds even the police report has stated that this is an identity theft case and also I have a XXXX case with the state police. Not only they denied my claim, when I tried to inquired further, they hung up on me.

Since the claim was opened with Chase, I have spent many hours speaking with customer service, running around to local banks, getting stressed about whether they received the fax or not. They often route me to the wrong department over the phone and have told me a wrong fax number many different times. They denied my claim base on that was a valid ID and the Chase branch was within 30min from my home location. Despite I have evidence from both XXXX and the Police that it's identity fraud. It's not my fault that the identity theft took my ID and did fraudulent activities. I should not take the loss, Chase should have a better fraud prevention at the first place. They didn't require a second identification despite the large amount of wire transfer. Also the woman shown in the surveillance footage does not resemble me other than we are both XXXX.
Consumer complaint received 2024-05-17
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. (MI)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts removed
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have always made sure to pay this account on time and have never missed a payment. I don't understand why there are late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

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 2023-12-08
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I attempted to enter into a payment plan with the company for my Value City credit card. the company approved the payment plan but will not provide information indicating that I am in a payment plan. I need this information for my records and to verify with my current employer.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my account.
Consumer complaint received 2024-05-17
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. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

The Date It Is Saying Open Is XXXX I Called Today And The Operator Stated That And Account Was Open In XXXX XXXX She Stated That She Didn't See Anything Else I Ask For A Manager The Manager Ask My Name Address Email And Phone Number I Gave It To Him He Said It Didn't Match He Stated That He See Two Different Address A Different Email Phone Number And Address He Told Me To Dispute With The Credit Bureau
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX Closed account on XXXX XXXX. OFFERED SETTLEMENT for previous bank account that is closed. Settlement paid on XXXX XXXX. Status of account was never updated, company continued to report poor remarks and demand full payment. Company shill continues to demand full payment. Credit reporting agenecy has incorrectly stated account meats FCRA standards without running investigation. When asked to delete file they update with wrong information. They have recover disputes since XX/XX/2023 and have refused to resolve error 's for 12 months now
Consumer complaint received 2024-08-31
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX