davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

I have never received a notice to dispute the debt in question, and despite reaching out to the concerned party four times, I have yet to receive satisfactory validation that the debt is indeed mine. I possess certified mail receipts as evidence of my attempts to communicate with them. Regrettably, each time I sought information or validation, my requests were either ignored or met with insufficient responses. Despite my efforts to rectify the situation, they have persistently refused to remove the disputed debt from my credit report. This lack of cooperation is not only frustrating but also raises concerns about the accuracy and legitimacy of the reported debt. I am determined to resolve this matter and seek the removal of the disputed entry from my credit report, as it is impacting my financial standing unfairly.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ).

if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I was charged interest after I paid by balance in full XXXX day prior to the end of the billing cycle. The interest charged was XXXX on a balance of XXXX. When I paid my balance in full, I paid it on XX/XX/XXXX. My due date ( end of billing cycle ) is XX/XX/XXXX. I selected " pay balance in full ''. On XX/XX/XXXX, Citibank charged me XXXX in interest in the amount above. This makes no sense. I called to find out why. The explanation was that I did not pay the balance in full prior to the end of the billing cycle, and the interest accrued between that time and the end of the billing cycle. They said they allow this to happen " in the event I need to make more purchases. '' This also makes no sense. 

I did not understand the man 's explanation, but he was adamant this was how they did things. I told him it sounded more like a pre-payment penalty which is illegal in Washington, or Citibank just wanted to make money off of people. 

According to the XXXX statement, the balance I paid had accrued interest of XXXX. If the XXXX is the interest the balance accrues between the previous statement and the billing date ( XXXX ), Citibank must update their computer records to show this, so that when people go into pay their bill, the amount accurately includes interest. 

This is the third time this has happened with Citibank. There does not seem to be a way to completely pay off a balance with this company as they send you another bill for interest. For all I know, interest will accrue on the interest, and they could continue sending me bills? How will I ever know when I have a XXXX balance?
Consumer complaint received 2024-02-03
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (PA)

Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from XXXX XXXX, XXXX, EXPERIAN is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, I mailed to Discover 's corporate address, a restrictive endorsed payment. This tendered payment was received on XX/XX/XXXX and picked up XX/XX/XXXX. 

I contacted Discover on XX/XX/XXXX as to the status of my accounts and the reflection of my balances for the tendered payments. I was instructed to call back in XXXX days. 

I called back on XX/XX/XXXX and was told no one in the Discover Executive Office was available so I was forwarded to the voicemail. After some phone tag, I finally spoke to XXXX and was told Discover would not perform per the Cardmember agreement listed under the " Payment Instructions '' section which states, in part, We can accept late payments, partial payments or payments marked payment in full or with any other RESTRICTIVE ENDORSEMENT without losing any of our rights under this Agreement. 

I was escalated up to another lady, who stated she would escalate the call up to her manager. Instead of performing per the cardmember agreement, Discover sent me a solicitation to complete form XXXX which I declined as it had no bearing on their performance and I believe was retaliatory in nature.
Consumer complaint received 2023-09-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

The consumer reported on my XXXX and experian report from XXXX XXXX The property is XXXX XXXX. Not only did I live at XXXX XXXX XXXX  address at the same time it was reported. The rent recovery company has a different social security number from the one that I have. This was clearly identity theft and not mine. XXXX is still reporting it without removing it off of my credit.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2023 I have noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. I do not recognize any of these inquires and I am unsure why they are there.
Consumer complaint received 2023-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have applied to receive PSLF since XXXX of XXXX. In XXXX of XXXX I was notified by Mohela that I had reached over XXXX eligible payments and the expected date of forgiveness was not provided. I was told that by letter and over the phone that it would take up to XXXX more days for my loan forgiveness to be processed. From that point on all information given between Mohela and the FSA is vague and I am not provided with any updates and when I ask when exactly my loan was sent to FSA for discharge every customer service representative says that they do not have that information. Therefore I have no specific updates on loan forgiveness standing-they just say to be patient. The last call I made I was told that I made in XX/XX/XXXX they said I may receive an update by XXXX XXXX. That did not occur.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a letter from Wells Fargo on XX/XX/XXXX saying that I was enrolled in the XXXX XXXX product from XX/XX/XXXX through XX/XX/XXXX. I never authorized enrolling in this product and am not sure what to do about this letter, especially since this supposedly occurred almost 14 years ago. Please help - thanks.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CashRepublic Holdings, Inc. (TX)

Omni violated the Military Lending Acts prohibition on requiring repayment of loans by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit.

Omni also violated MLA interest rate provisions, roll over provisions, and failed to make due consideration of borrowers ability to repay.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This agency violates 15 USC 1681i. Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

American Express keeps incorrectly reporting the last date of activity on my account to all three of the credit bureaus making it seem like it was more recently active and. higher score impact. There was no activity on the account since XX/XX/XXXX when the last payment was made. 

No account activity occurred in XXXX of XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through Mr Cooper / XXXX Mortgage company. Initially, the closing was uneventful, however there were issues between the Title company and Mr Cooper for 2 months following the closing. Mr Cooper continued to be difficult with the Title company, and would not accept the payoffs that were sent to the mortgage company. At one point, a Mr Cooper representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to Mr Cooper, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a 30+ day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I haven't had XXXX XXXX since XX/XX/2019. I moved to a new service provider XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX paid off the balance due at XXXX as part of their promotion, so I am unaware of any unpaid bills. I haven't received any correspondence from XXXX XXXX regarding this. I am positive that this is not my account, as the telephone number I have was ported over from XXXX, and that can't happen if the bill is not paid. This is someone else 's account, which may be using my information, and for sure, I have NOT received any bills or mail from XXXX regarding this. Further, I haven't received any correspondence from Jefferson Capital Systems, who is acting as a debt collector after purchasing the debt from XXXX. I am surprised this is on my credit report.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I had a balance of {$3600.00} and the payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$3500.00}. which left a balance of {$120.00}. My XX/XX/XXXX, statement shows a balance of {$200.00} which includes a balance of {$120.00} and an interest charge of {$75.00} for carrying a balance of {$3300.00} on XX/XX/XXXX. 
I asked why I was carrying a balance of {$3300.00} on XX/XX/XXXX when I paid {$3500.00} on XX/XX/XXXX. They answered that they charged interest on the whole balance ( {$3600.00} ) which still does not explain why they are charging interest on {$3300.00}. 
I was expecting they would charge interest on the remaining balance ( {$120.00} ). I think there is an irregularity in the way they calculate the interest. I would like to have a better understanding of how they charged interest.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service (AE)

I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In search for an apartment on XXXX. I reached out to the ad and the person reached out to me through text but then a link was sent to me for background check and credit reporting. I entered my social and some personal info along with my bank account info and then when I tried to login to the site again I was unable to. I haven't heard back from the person since. This is definitely a scam
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MD)

XXXX is claiming I owe them money for 2 separate items purchased from a company called XXXX. This is ridiculous because I know for a 100 % fact that I have never purchased anything from a company called XXXX. I want proof showing this purchase was made by me. I looked up this company and it seems to be some kind of cell phone company or electronic items. I have cell phone service through XXXX and before that I was with XXXX XXXX XXXX for over 20 years. My cell phone I have is one purchased from XXXX XXXX XXXX when I was still with them. The only other electronic device I have is an XXXX which my wife bought me almost 10 yrs ago from XXXX. I am not going to be railroaded into paying for fraudulent charges. I have repeatedly told XXXX that I have not purchased anything from XXXX and have not used XXXX since purchasing and paying off my XXXX XXXX 5 years ago. I have the right to any information that XXXX used to determine my Identity Theft is not legitimate. These hackers are continuing to victimize people and I refuse to pay for their theft! Companies need to do a better job protecting customers from this craziness. I want my information blocked and my account with XXXX deleted. I was not aware there was even an account there. Again, I only used XXXX when I bought our XXXX XXXX  5 yrs. ago and I promise you I'll never use them again after seeing how easily they let someone else use my information to purchase something! A quick review of my credit will show you that I have worked very hard to establish my credit and I pay my bills. My past purchase through XXXX for the XXXX XXXX would indicate the same. This is not my purchase and is a result of someone hacking and using my information with XXXX.
Consumer complaint received 2024-04-09
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. (FL)

I hope this message finds you well. I am writing to address a matter of significant concern regarding the repeated attempts made to rectify the late open accounts associated with my account. 

Despite my prior communications and efforts to resolve this issue, I regret to inform you that the situation remains unresolved. It is distressing to note that despite our previous discussions and agreements, the matter continues to persist, causing undue inconvenience and frustration. 

Despite these efforts, I am disappointed to report that the issue has not been effectively addressed, and I continue to face challenges due to the unresolved late open accounts. 

I expect a prompt response detailing the steps that will be taken to address this matter effectively. Additionally, I request assurance that such issues will not recur in the future. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$38.00} ; XXXX XXXXXXXX Balance : {$67.00}.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I called into Chase Bank to dispute two transactions that were pending on my account from a merchant that I did not authorize to charge my account, and I have to speak with a XXXX  XXXXXXXX XXXX representative on the phone that just wanted to overt me and be very disrespectful and rude, and not listen to what I was telling him and then furthermore When I asked to speak to his supervisor, he over, talk to me and just told me he was going to transfer me to the dispute department even though I asked speak to his direct supervisor. Chase is just doing real shady bad Customer Service I do not appreciate it and already having to be on hold and wait a long time for a callback finally reaching the agent, and then they have the nerve to be a XXXX is very disrespectful on top of transferring me to another department that I have no idea if that was right department or not because he transferred with an attitude and I wasnt XXXX wait a whole Nother 10 minutes on this is such a XXXX bank with bad customer service