davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (NJ)

On XX/XX/XXXX, Affirm Inc hit my credit report claiming I had a past due balance of 30 days. I didnt have an account with them, my husband did. They dropped my credit score 100 points because on that day, they added the delinquent account, closed a former account that had been in good standing, and added the 30 days past due. 

When I called them, I wasnt even in their system. The woman I spoke with said she needed my name ss # etc just for verification and I didnt pop up. She told me she would escalate my request to have this corrected as I wasnt even on of aware of the account. She didnt. When I called back to speak to a supervisor, they now had added all of my information to their system and claimed that I was added to this account in XXXX, that my husband added me. Funny, because I have documentation from my credit monitoring apps that I was just literally just added on XX/XX/XXXX when it went delinquent. My husband has since paid the balance in full but my score has only gone up XXXX points. I want this account removed as I did not open it, was not aware of it, and none of my information was added until they had to verify me. The old account I had that they claimed was the account this debt was added to was closed by them and a new account was specifically created for me without my knowledge or permission. I had nothing to do with my husbands account and even though he opened it in XXXX, it did not notify me until XXXX?? 

I can not get anywhere with this company because they lie and are unethical. I have tried. Please help me get this removed.. I went from a XXXX to a XXXX all because of their falsifying information and adding me to account that I had nothing to do with.
Consumer complaint received 2024-07-11
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 (TX)

In accordance with the fair credit reporting has violated my rights. 
15 usc 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plans as late for and purpose. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is a result of identity theft i have provided and police report to XXXX XXXX XXXX and the credit bureaus they still refuse to remove the account, the account now shows close but XXXX XXXX XXXX is consistently updating it as late.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX i realized my bank account was completely wiped out. I had XXXX in my checkings account. My bank card was linked to my XXXX and all of my money was transferred to XXXX  to someone i do not know. I immediately called my bank, Wells Fargo, and submitted a fraud/scam claim. I was told by a representative that my funds would be reimbursed. I was later denied my claim and I have been calling for days trying to get an explanation. Representatives have been giving me the runaround. I believe my XXXX account was hacked into and I have been trying to express that to my bank. No one is willing to help me get my funds back at all. I even contacted XXXX XXXX support team. They also denied my claim. This was all of the money that I had to my name and I am very upset because I have never been scammed before, and the bank that I have been with since 2019 is not willing to help me get it back. I have filed a police report against the person who received my money on XXXX XXXX. Please help me get at least some of my money back. I am not able to provide for myself or my child.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (AZ)

From XXXX to XXXX I attended XXXX XXXX  who lied to me about loans, loan amounts, school loans, advertising of a degree and obtaining a job. They lied and misrepresented themselves and this was supposed to be a group discharge and I have seen nothing yet. They misrepresented themselves and then sold themselves to the XXXX  XXXX XXXX for XXXX and yes I am correct XXXX to get out of all the trouble they were in under the XXXX XXXX  name.
Consumer complaint received 2023-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (PA)

I have requested via email on the XXXX of XX/XX/2024 and again on the XXXX via email along with a follow up phone call on the XXXX  to Cross Country Mortgage. I requested in writing the policy for removing PMI insurance. Our value is higher than the 20 % equity required to justify PMI, We have invested over XXXX into our home and would like to have the mortgage insurance removed since it is no longer applicable. The company has only responded with a letter acknowledging the request, but has not provided the information requested. I have come to the conclusion that they are attempting to prevent me from removing the PMI.
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Charge on my credit score under LVNV Funding for XXXX  XXXX states I owe {$XXXX} + in credit fees affecting my credit. I already paid the one for XXXX. That was correct and I owed that amount. The XXXX dollar card was taken out in my ex wife 's attempt to steal my identity. Thus leaving me with the burden of my divorce in XXXX  and extensive debt. I pray you understand my position. Again I paid the one amount. But I refuse to pay for what she damaged in my ex marriage. I put that behind me. I'd like this ti be the last thing. XXXX. XXXX XXXX.
Consumer complaint received 2024-07-16
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. (TX)

Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct this account : XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

In prior complaint, I detailed reporting unauthorized access to my account, and an unauthorized withdrawal for {$9900.00}. I ultimately ended up working with XXXX XXXX XXXX where someone opened an account in my name, to get the withdrawn funds back to my Credit Karma account. Thankfully this worked, but no thanks to Credit Karma. 

In response to my first CFPB complaint, Credit Karma made false statements and misconstrued events in order to distract from its own failures to follow federal laws regarding electronic funds transfers. They lied about detecting the fraud first. I detected a withdrawal that I didn't recognize and reported it. They lied about waiting on me for information and documents for a week, where in actuality I was emailing everyday for updates and being told to wait. They failed to ever share any details of the investigation with me. They tried to get me ( twice ) to sign indemnification agreements protecting the bank and making me responsible for everything, just for them to investigate the transaction. 

SUMMARY : Credit Karma deliberately obfuscates and lies in its response to the CFPB to cover for violations of federal law and a complete lack of internal controls and oversight.
Consumer complaint received 2024-07-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (ID)

This loan is being serviced by Fay Servicing , LLC. This all started over a year ago when my father passed away, he and my mother are signed/guarantors of a loan on properties through an LLC. My mother and I are identified as managing partners of the LLC that owns the properties all legally identifiable through Idaho Secretary of State. I have called Fay servicing since his passing to get the account organized for me to access and manage, I always get a different customer service representative who will give me a line about my father who has passed must call to give them authorization to allow me access. They then give me an email thats never the same to send legal documents from our family attorney that shows all legal access for myself to manage. I then call back several weeks as they say this will be handled. Once I call a different representative will say nothing has came through to a customer service email or that email wasnt real and to try another. This process has gone on for XXXX  months now with still no access to our account. I am needing access due to Fay servicing pulling almost {$44000.00} per year over the necessary amount to service the escrow account. This is an alarming situation that needs resolving.
Consumer complaint received 2024-07-16
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)

PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT. I SAW MY CREDIT REPORT THIS AFTERNOON BUT I'M STILL SHOCKED BY IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE.
Consumer complaint received 2024-07-16
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 SAW MY CREDIT REPORT THIS XXXX  BUT I'M STILL DISAPPOINTED WITH IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE. PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

JPMCB AUTO Failed to ACH my Bank Account timely, Every time I Dispute, JPMCB AUTO response with a generic letter, that they verified that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX Payments were late, JPMCB AUTO never provides those statement. These were due to suspicious activity and fraud activity on the account and consumer is not responsible for JPMCB AUTO security failure or the bank failure to timely credit the account when the money was readily available.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NJ)

Some one tried to open an American Express Card in my name, at an address I have not even lived at in over 40 years. My sister still lives there and got these things in the mail. I am assuming someone either stole my SSN or is fishing. I have not contacted American Express since I do not " trust '' doing this. I have contaceted XXXX concernign this, and they can find no records of any activity on their end, but the notices, etc keep comong in the mail to my sisters address ( place I have not lived in for over 40 years ). I am suspicious that someone may have picked up my name, SSN, etc due to activity in the last few monts of recovering an old pension fund I had, which was issued over 40 years ago when I did live at that address.
Consumer complaint received 2023-09-04
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. (IL)

======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX XXXX  Partial Acct # XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NY)

on XX/XX/year> AT XXXX XXXX WAS TAKING FROM MY ACCOUNT XXXX WHICH COME TO XXXX CALL UP CANCELLED CARD RIGHT AWAY.COMPANY TOLD ME TO FAX OVER WHAT I WAS DISPUTING AND THEY WOULD GIVE ME A PROVISIONAL AMOUNT BACK ON XXXX XXXX SENT OVER RIGHT AWAY XXXX XXXX XXXX XXXX ON A FIXED INCOME.KEPT ON CALLING XXXX CAME AROUND CLOSE ACCOUNT BECAUSE I LIVED IN THE AREA.I GUESS CARS CAN NOT BE HACKED.WANTED TO TALK TO DISPUTE DEPT TOLD THEM TO CALL ME BETWEEN XXXX AND XXXX XXXX XXXX WOULD CALLED AT XXXX WHEN I DIDNT HAVE ACCESS TO PHONE.I WAS AT A RESTAURANT WITH MY WIFE USED MY CARD THERE YOU CAN SEE ON DEBIT CARD TOOK XXXX THERE ATE AND TOOK XXXX BACK TO MY HOUSE .CANT BE XXXX PLACES AT XXXX TIME XXXX BASICALLY SAID I TOOK MY OWN MONEY, INSULTING.IS THERE ANYTHING YOU CAN DO THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NM)

I have an existing " installment loan '' from BMO which was transferred to BMO when the bought out Bank of the West.

I've contacted BMO in an attempt to receive statements on my loan that include the balance, interest rate, and interest charges. BMO does not, or will not provide an account statement either electronically or by mail. I am unaware when interest is charged to my account, verify the amount, or even review an amortization schedule for the loan. I have reached out to BMO through their website chat service and little or no information can be provided to me regarding my loan.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express withdrew {$2900.00} from my XXXX XXXX XXXX account erroneously, they said they did so in error and confused my account with a different account holder. Did not tell me about this until I saw a credit appear just now in my AmEx account ( they illegally withdrew it from the bank and put it on the card ) and I started asking questions.
Consumer complaint received 2024-06-30
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: Atlanticus Services Corporation (PA)

On approximately XX/XX/year> a charge posted to my credit card account in the amount of XXXX. I did not make or authorize the charge. When I later found out about the charge I disputed the charge with the credit card company and they denied my dispute saying that I would be held responsible for the charge. I called the company XXXX  times to no avail. They provided no acceptable reason for holding me responsible for the fraudulent charge on my account. I do not believe the bank did any investigation at all regarding this issue. The company is the Imagine Credit Card. The Imagine app indicates that the Imagine credit card is issued by XXXX.