davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

XXXX XXXX # XXXX I placed an order on XX/XX/XXXX through XXXX  I attempted to chat to confirm the fittings & was assured theyd fit my tumblers. The site had multiple errors while I was trying to order but I was assured my satisfaction was guaranteed. I even screenshot this from their website. I ordered on XX/XX/XXXX. I received the order XX/XX/XXXX. I contacted the company within 10 minutes of opening the box. I was excited to get my order but quickly disappointed. They were not even close to a proper fit. 

I requested an exchange & was told they do not do exchanges. They said returns are subject to shipping. I did not have an issue with that. Then I was told they will charge restocking fees & also do not accept returns if the package is open. Well I had to open it to see it was not the correct order. If I could determine a proper fit by looking at an item, I wouldnt have ended up with the wrong items to begin with. I trusted their site & their guarantee to be factual. It was not. It is very fraudulent & deceptive. I still have the items in their original box. I have never used them as they are NOT what I was promised. 

I contacted affirm since it was their digital card I used to purchase them. At first they insisted I did not send them the info. I had to send it again, twice. Then they failed to investigate the fact that I did NOT receive what I was promised. I was assured these caps would fit my tumblers. They were wrong. All I asked was to exchange for caps that will fit. They refused. So I asked to return them. I submitted the dispute twice with affirm. They failed to listen to the fact that I did NOT receive what I ordered. Since affirm decided to ignore my dispute, I stopped responding to them. I am not paying for a product that was purchased under deceptive advertising. 

I have used affirm for years and never had an issue. I have other loans with them that are nearly paid off. Unfortunately they now call me 20 times a day. Send emails & texts. They were also sending nonstop pings through the app so I deleted that. I will gladly finish paying those off as soon as they do the right thing & stop harassing me for payments for merchandise I did not receive as advertised. They are harassing me for a loan that is fraudulent due to deceptive advertising by the manufacturer XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-13
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. (NC)

According to FCRA 605B, I think we need to eliminate any incorrect accounts from my credit report. Could you please examine the documents? There are inaccuracies in the reporting of some accounts, including the amounts and dates.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 


XXXX XXXXXXXX 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 2024-08-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I have Synchrony Bank for several of my store cards Lowes, XXXX XXXX, QVC, Sams Club. The one in question here is Lowes. The company began trying to force me to accept online ( email only ) statements vs physical ( hard copy ) ones by charging XXXX per statement for not accepting this demand. 
I called around mid XX/XX/year> and was advised I needed to set up an online account with them to opt out of the physical mailing feature and into an emailed statement. I was advised of this fee by mail and was told not doing so would result in a monthly fee of XXXX each statement ( a fee for the physical mailing ). 
When I voiced my concerns the associate excused herself, got back on the phone and indicated if the amount is under a specified figure : I believe she said XXXX then no fee if paid in full. I asked about their XXXX interest option for 6-12 mos, depending upon purchase amount and she admitted that the fees would be charged for each statement mailed regardless of amount being paid off or the card agreement of XXXX interest for _said amount of months.

I voiced my concerns with this as I do not download any financial apps. related to my banking or credit cards. I do not trust that they will not be compromised. I work in healthcare and many systems as well as the largest clearinghouse that tranmits electronic insurance claims and payment as been compromised lof late. I requested to opt out of the online emailed statements.

Most of my store cards, I do not use as revolving credit, but instead opt to pay off in full each month are held by Synchrony Bank, thus, this would be an inordinate amount of fees being charged at XXXX per statement, per store card, per month.
Consumer complaint received 2024-06-15
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. (NJ)

Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX  XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX help finan Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 




i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (FL)

I requested an investigation into errors on my credit report. many accounts had errors such as incorrect balances and charges and date of last activity. i asked them to investigate and instead they just updated all dates of last activity without cause or justification. they did not provide a response to my request of proof of an investigation. they did not provide proof of any kind. This is illegal. I have a right to an accurate credit report.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (IL)

I am a clerk for USPS and I have been off work all year due to Covid 19. I was due to receive unemployment benefits for the entire year. Key Bank was to mail out the card by XXXX XXXX,2021. The card hadn't arrived and when I called to inquire about it, they told me that XXXX was spent from the card. I put in a dispute on XX/XX/2021. Yesterday, they sent me correspondence saying thee investigation was closed and i am responsible. I never received dispute papers and when I try to call I am on hold for two hours only to be hung up on when someone gets on the line.
Consumer complaint received 2024-08-04
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-19
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. (UT)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX No late payment 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Consumer complaint received 2024-06-04
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. (TX)

I looked at my report back on XX/XX/year> and noticed some things ae incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate this account listed below because : XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate and I have never heard of XXXX XXXX be fruadulent.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (MA)

-Car was purchased on XX/XX/XXXX. All purchasing was completed ONLINE through XXXX app - Loan payment was made in XXXX online to bring account up to date - Wells Fargo denies claims that I enrolled in autopay saying account was not up to date - XX/XX/XXXX I open a letter telling of repossession and stating that the full principal balance is due -I contact wells fargo immediately and they claim they have called multiple times regarding loan ... they admit to calling THE WRONG NUMBER -My loan has 3 forms of contact on it with email proof of the 3 forms of contact, they refused to call the other number or email me -I spoke with XXXX who first claimed they dont call the 2nd number because " they dont like to bother people at work '' ... they he later stated that I never gave consent to call that number despite it being listed on the legal document. 
-Over the past 8 months Wells fargo has emailed me regarding credit card offers but not my auto loan, not even a receipt for an online payment... 
- On XXXX  XXXX, XXXX told me he would contact me with reasoning for Wells fargo not contacting the forms of contact that were given - On XXXX XXXX Wells fargo claimed they were sending me a letter regarding the final verdict on my loan. Today is XX/XX/XXXX, I have email proof that my notifcations/statements are to be emailed and mailed, yet I have received nothing Wells Fargo demanded a payment of over XXXX on XX/XX/XXXX without notifying me of how to pay or where to pay despite not sending me a final verdict on my loan. 
-Wells fargo has committed unfair business practices with refusing to contact me depsite having my contacts on a legal contract, refused to give me a verdict on my account and demanding a payment beforehand -Their website claims they provide a CURE letter to reinstate the loan and catch up on payment which i have offered and told them I can, yet they have refused this - Wells fargo reports they reported delinquency to credit bureaus for mid XXXX, yet wont allow for " CURE letter '' to occur despite contact to them 2 weeks later
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On Wednesday, XX/XX/XXXX, I was contacted by an alleged Chase member, from the same phone number located on the back of my debit car. He asked me if I approved a wire transfer to XXXX for {$1200.00} and XXXX for XXXX I said no. He told me I had to complete XXXX " reversal '' wire transfers in order for these to remain in my account. The first wire transfer of {$1200.00} was taken out of my account, however the second transfer of XXXX was not because of insufficient funds. After a few days of the money not returning to my account I became suspicious and called Chase at the same number that I was contacted from, ( chase customer service ). I spoke with a representative from Chase and she was able to complete a recall for the first transfer. I told her I was concerned that the second transfer of {$1100.00} would come out of my account once I had sufficient funds so she transferred me to another representative to insure that this second wire transfer would not go through once sufficient funds were in my account. I spoke with the second representative to insure this so I expected the second transfer to not go through. On XXXX, XXXX, the first transfer of {$1200.00} was refunded to me and then the second transfer of {$1100.00} was taken out of my account. I contacted Chase again, but the representative was not able to do a recall for this second transfer and advised me to recall the transfer here. The recipient is XXXX. XXXX ID is XXXX for the amount of {$1100.00}. 

This is what happened and this is the same message that I sent to chase wire fruad department. After several weeks they reached back out to me explaining that they made multiple attempts to contact the recipient bank but never recieve XXXX reply or a response
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (GA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (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 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 has violated my rights. 
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 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services was paid in full, they were only paid late because of their insurance and its ineptness not due to any fault of my own. They have refused to fix the status of the account for years. 

I am simply asking now to be accurate across all 3 bureaus. My issue is with XXXX who shows this debt is unpaid when it was paid IN FULL!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Response to Closure of Complaint Case # XXXX Regarding Discover Card Account Ending in XXXX Dear CFPB Case Review Team, I am writing to formally address the recent developments concerning my complaint against Discover Financial Services, under the CFPB Case # XXXX. I appreciate the efforts of the CFPB to mediate this issue ; however, there are several discrepancies and procedural concerns that require your immediate attention. 

1. Issue with Updated Dispute Status and Immediate Case Closure Upon review of my credit report on XX/XX/XXXX, I noticed that the dispute status was changed from " account disputed '' to " dispute resolved - reported by grantor. '' This update contradicts Discover 's statement in their communication dated XX/XX/XXXX, in which they assured, " We have reported the account to the credit bureau reporting agencies as? disputed? and will continue to report it as such unless you tell us to stop reporting it as disputed. '' - Argument : The change in dispute status is concerning as it contradicts Discover 's own statement and fails to provide transparency. Moreover, the case was closed without providing me with an opportunity to respond or present further evidence, which undermines the standard procedures of dispute resolution. 

2. Lack of Consideration for Unique Circumstances and Legal Obligations The Cardmember Agreement does not adequately address how unauthorized transactions by minors should be handled, and Discover 's rigid application of policy overlooks the unique context in which this late payment was reported. Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to ensure maximum possible accuracy in credit reporting. 

-Argument : The continued reporting of the late payment under these circumstances does not accurately reflect my credit behavior and violates FCRA requirements for fair and accurate reporting. 

3. Request for Re-evaluation and Reopening of Case I kindly request the CFPB to : - Reopen Case # XXXX to allow me to provide additional evidence and documentation supporting my request for the removal of the late payment from my credit report. 

- Investigate the Change in Dispute Status to determine if Discover Financial Services acted in compliance with both FCRA regulations and the assurance provided in their communication. 

Conclusion I remain committed to resolving this matter amicably and ensuring that all information reported on my credit profile is accurate and fair. The premature closure of the complaint and the inconsistency in Discover 's reporting require further investigation to uphold the integrity of the credit reporting process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX