davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (NC)

On XX/XX/year>, I was looking into my personal credit report and noticed that there was some incomplete, and inaccurate information on my report. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. As well as Whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX. XXXX Section ( I ) ( XXXX ). This account XXXX XXXX, XXXX XXXX, is not complete and is not accurate. 

XXXX XXXX, XXXX XXXX open date is not reporting correctly, date of last active, date of last payment, this account is not accurate or complete. 

I mailed out a letter for verification on XXXX XXXX. Asking all Credit Bureaus to reinvestigate this account. 

I got the investigation back ( XXXX Report XXXX XXXX ) but noticed nothing modified or updated. According to XXXX XXXX XXXX ( I ) ( XXXX ).
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : - **Creditor Name** : XXXX XXXX  - **Account Number** : XXXX -**Last Activity ** : XX/XX/year> According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately. 

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

After viewing my credit report a few moths ago I started paying off old accounts ... ... I have a paid in full letter from XXXX XXXX XXXXXXXX XXXX XXXX  ... I asked that XXXX remove this account which still shows incorrect info because it's been paid off for since XX/XX/XXXX '...
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

Company reported an amount I owe on my credit report for a company that no longer exists. They refused to give me any information in regards to the debt and were extremely rude over the phone when I ask for information. Im working to get issue corrected now.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}
Consumer complaint received 2023-12-15
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I XXXX XXXX contacted these companies multiple times and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

To whom it may concern, On XX/XX/year>, I received an email from XXXX XXXX a division of Webster Bank N.A., that stated they were changing the investment account that would be available to me from XXXX XXXX to " XXXX XXXX ''. I was happy with the fee schedule at XXXX XXXX and XXXX XXXX Included in the changes to XXXX XXXX  are new fees that they are charging to the account, with the minimum fee being 0.1 % per year. In addition, I would now be forced to invest with " XXXX XXXX '', a new broker I don't know and I am not comfortable investing with. I gave XXXX XXXX  a call, and they confirmed my only options were as follows : XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and then move the money to another company for a {$25.00} fee. 
XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and move them into the new consolidated account at " XXXX XXXX XXXX, where I will incur annual fees that are no less than 0.1 % of the account. 

I think it's ridiculous that a company changes their rules so that, no matter what you do, a customer is required to pay fees that they did not wish to pay in the first place. I ask that somebody take a look at this and direct XXXX XXXX to allow free transfers for customers not wanting to participate in their new program. 

Thank you!
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB (IL)

I looked up number for XXXX XXXX to report funds taken out of my grandson 's account for {$20.00}. Person told me he would " test '' the app and had me input amount of {$2500.00} which I did but the amount failed. He then asked me if I had an account with Klarna or XXXX XXXX and I stated yes. He said he could send me a {$20.00} gift certificate and sent me a link https : XXXX XXXX XXXX XXXX XXXX XXXX which I clicked on and he accessed my Klarna Account and committed fraud for the amount of {$1100.00} by obtaining E Gift Cards from XXXX. He had access to my account telephone and email address since it is listed on the Klarna Account. My XXXXXXXX XXXX notification immediately texted my phone and notified that my bank account had been charged {$300.00} for the first installment of four equal payments. I immediately disconnected the call with " XXXX '' and he attempted to call back but I did not answer. The number he called from was XXXX. I contacted XXXX  and thet informed me that the E Digital Cards had been redeemed and I am having problems with Klarna in trting to have this charge removed from my account. I have obtained a police report and have documents from my bank that they are conducting an investigation and also XXXX who stated there is nothing further that they can do. 
Please let me know what other options may be available to get this issue resolved. 
Thank you, XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-07-18
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: JPMORGAN CHASE & CO. (CO)

I called Chase bank to inquire about a promotion that I had applied under, and was informed that the actual promotion that I had applied under could not be applied to my account as it was past 90 days since opening the account ( the account was opened XX/XX/XXXX, I called XX/XX/XXXX ) and that for some reason another promotion had been applied, a promotion that I had not agreed to nor was I under the impression that I had received. I had previously been informed by Chase that the points related to the promotion could take some time before they were applied to my account, so I waited patiently just to find out that the actual promotion I had applied under was never on my account to begin with.
Consumer complaint received 2024-07-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (DC)

I have made four separate attempts to resolve a two-fold issue with Mohela over the last two weeks. First, my student loan account was transitioned to a new platform and access to the previous payment platform was immediately restricted. During this period, Mohela continued to accrue interest on the student loan, which is not only unethical but also unlawful. Second, I have requested detailed payment history from Mohela because the transitioned amount does not reflect all 2024 payments. To date, Mohela refuses to provide this information.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

LexisNexis reports that I was in a XXXX XXXX. This is not true, Ive never been in a car accident in my life. I figured out that my dad who has the same name as me backed into a light pole in a parking lot 2 years ago, and that the accident was wrongly attributed to me. I requested a report multiple times but my request for a report got denied the first few times. I eventually got it. Im trying to get the accident removed from my record, but they make it so difficult. I am paying far more for my car insurance than I should be paying because of their mistake. Also my report has a lot of other information that is not true. They appear to think that my dad and I are the same person. It says I'm a homeowner, which isn't true. It says that I've been in car accidents, which isn't true. It even says that I have multiple birthdays ( one being mine and one being my father 's ) which is obviously not true. There is a great deal of inaccurate information and it is directly hurting me. My car insurance rates are double what they should be. I can prove that my dad was the one in that accident and not me. Several months ago ( XX/XX/year> I believe ) they claimed that they were starting an investigation. I followed up XX/XX/year> to no avail. I have been trying to follow up again, but their hours aren't good for me since I have a job and I get stuck on hold for long periods of time. But even now when I try to get a new quote on car insurance, the insurance companies say that LexisNexis data shows that I was in a XXXX XXXX, so I know that it hasn't been resolved even though it has been several months and they have all of the information that they need.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (UT)

My loans with MOHELA were recently transitioned to a new platform. It appears that my loan balance has increased even though I was told during the transition I would be on an administrative forbearance. They are also still withdrawing auto debit payments. Since my account was transitioned I have no way to access previous payments or statements to verify that I am being billed correctly. I am also unable to access information on how much interest has accumulated for individual loans. I messaged MOHELA and have received no reply.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist. 
I have sent out debt verification letter to creditor requesting signatures and dates. I have received no valid response.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 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 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 can not furnish an account without my written instruction 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.

For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

I originally opened my Chime Account so that I can move money into it and have another source for funds whenever I needed. I regularly move money into this account and it has never been an issue, but on XX/XX/XXXX, I attempted to transfer more than the allotted limit into my Chime account causing it to be locked. Ive been going through back and forth communication with this business via email and via phone and neither have made a strides towards resolving my issue. In email, every time I submitted the required documents or tried to respond to the email to ask questions to the agents they sent me the same email requesting documents again. I complied and yet those emails kept coming. Now abruptly, they told me via email that my account was closed and that I would not be getting a refund, I read the Deposit Account Agreement and didnt see where I violated and asked the company to provide further information, instead of doing so they sent the same automated email again refusing to explain why my funds were taken. To further explain my issue, I explained to Chime that the money I deposited came from my XXXX account. I received the money from. A Client for my freelance social media work and I moved some of it into that account so that my account would not be empty. I sent emails to Chime on XX/XX/2013, XXXX, XXXX, and XXXX XXXX and each time I kept getting automated messages. The support team at chime assured me that my funds would be secure but now they are telling me that they have been seized, I would like to get this issue resolved as soon as possible. The only reason why I can try to understand why they closed the account is because they said it cant be used for business purposes, however the account isnt used for that. Chime allows transfers and all I did was moved some of the funds from my account into this account. I had more than the needed amount in my main account so I moved some to chime to increase my balance which isnt a violation On XX/XX/XXXX chime emailed me and said my funds would be returned in 30 days and so for the past week or so Ive been trying to get an update on that because its almost been 30 days, well today they told me I wont be getting any refund. 

I sent a complaint to the XXXX  and in response chime said that I could reach out to XXXX but if you look at my images every time I do that I get an automated message with discrepancies in communication
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I have a business checking account ( XXXX XXXX XXXX ) with chase bank, the bank have ignored my request for information regarding the freeze on my account with about {$63000.00} of credit balance and this have been on since the last quarter of XXXX. 

I just need answer for the bank 's drastic measure without explanation to what the issue or facts regarding this unwarranted decision by the bank.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and Equifax which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2023 i had taken a installment loan for flloring and was given 0 % interest rate until XX/XX/2023. I was told after that date. Interest will be charged for the remaning balance at that time. I had a balance if {$1200.00} as of XXXX. However wells fargo has charged me interest of {$1400.00} on XXXX for the entire loan amt of $ {$6000.00} and not just the {$1200.00}
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I do receive an email showing a purchase of a bitcoin through PayPal. I havent never request or buy any bitcoin or authorized this transaction. It looks like a Scam. 

Please make and investigation regarding this company and the fraudulent transaction. 

Thanks