davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : Requesting your good office to kindly update or correct my personal information on your records and remove all inaccurate information on my credit profile. Below are the ONLY information expected to appear on my credit report moving forward. Attached are my valid drivers license and Social Security card for your reference. 

Name : XXXX XXXX SSN No. : XXXX Date of Birth : XX/XX/XXXX  Current Address : XXXX XXXX XXXX XXXX Georgia XXXX Phone No. : XXXX Lastly, kindly remove all the other addresses off my report, as they are not deliverable to me by the U.S. postal service, and they are not reportable as per the FCRA, since they are inaccurate. 



Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (AE)

In XX/XX/2023, I was looking for a loan and found credit ninja online. I read some of the information and went through the verification process. I am currently working XXXX so the internet was not that great. I went through the prompts of verification with my bank. I clicked the prompts and it kept refreshing and assumed it didnt go through. Then the next day funds were deposited. I couldnt return them and they have been withdrawn if money from my account. I want a payoff but they want to charges me XXXX extra on a XXXX loan where I have already paid {$600.00}. I am about to close my bank account to them. I attempted to reach the company to cancel the loan and received no response and tried calling the number on the website.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

On XX/XX/2023 I had my garage door repaired. I tried to use my card via XXXX XXXX XXXX so they could get the money sooner. But, my transaction was rejected. So, I called Customer Service to see why. I was told that platform was not an option. Neither was XXXX. Instead, I could go to the bank for a cash advance. I went to the Bank, with Teller assistance we found out that a pin was required, which I was not told till the rejection. The Teller even tried to assist me at the ATM first, before the call to Customer Service. 

The staff there seems not well informed and indifferent. I know I can't be the only person they have treated so carelessly.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, Chime/XXXX  sent me an email stating that my accounts were not in compliance with their user agreement and subsequently closed them and told me my balance was not eligible for a refund. They did not specify what account activity was out of compliance with their user agreement. They asked me to send verification of recent activity on my account, among other identifying documents, which I sent to clarify to them a recent deposit that was made, which came from the XXXX Treasury by way of a XXXX tax refund check. My tax return clearly reflects the amount expected from the refund, as well as the account activity showing the deposit coming from the XXXX XXXX XXXX I sent them over various personal and private financial documents, only for them to tell me the information I provided was not sufficient to account for the activity nor retrieve the balance on my accounts. They requested XXXX and XXXX tax returns, a photo of me holding my own identification card, proof of current addres, a paystub from the job located in the state I worked in for which I filed taxes, as well as any other information that would " help my case ''. After receiving generic responses via email, I called and was told that the email instructions were incorrect, and that I should be in fact sending my verification documents to " XXXX '', which I did, and in which all the emails bounce back to me undelivered. After two days of this, I have just gotten off the phone with a customer service representative of theirs, who tells me he has no further information to help me with regarding this perplexing matter. All these emails were sent between my personal email account XXXX, Chime 's customer service email accounts XXXX and XXXX, as well as XXXX.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2018-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: J J Marshall & Associates, Inc (MI)

On XX/XX/2018 I contacted JJ MARSHALL in an attempt to pay off a debt, not only were the customer service representatives rude due to me missing a previous payment ( due to financial hardship ) but they voiced that I was already being summons so they wouldn't accept my payment. I spoke with XXXX XXXX and she was hard to deal with and even had an attitude when I tried to discuss payment methods, she transferred me to XXXX who I initially set up the payment arrangement with and she pretty much dismissed me due to me missing the first arrangement ( even though I was ready to pay the debt today ). I feel it was unfair of the company to treat me as if I was less of a person in the discussion when I was trying to determine a method to pay, as a debt collection company, I would think that getting their money would be the main focused, she proceeded to tell me that I was already being dealt with by the court so there was pretty much no need in me trying to make the payment that I was trying to provide and to just wait for the summons. JJ Marshall overall is not a debt collection agency that wants people to pay their debt but they're trying to get people to get sued in court instead taking the payments.
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (VA)

On XX/XX/XXXX XXXX  I made purchase for {$130.00} on XXXX XXXX XXXX. I used Affirm, and XXXXXXXX XXXX policy is no refunds if you use Affirm ( only store credit ). I contacted XXXX 4 times via email and 6 times on XXXX XXXX because my item was not shipped after 5 weeks. They sent me 2 emails with vague/non-committal explanations for why it was late, but no shipping date and no store credit, as their policy states. I opened a dispute with Affirm and they held me liable because XXXX ' policy is no refunds through Affirm. Below are websites showing the site is fraudulent. I provided all my attempted correspondence and the fraud/complaint websites with Affirm, but they still held me liable for the loan. The loan ID is XXXX. Why is Affirm in business with fraudulent websites that steal people 's money and then offer no form of protection? Affirm is acting just as shady as the fraudulent merchant because they are protecting them by citing this ridiculous refund policy. Other websites provide refunds no matter what payment method you use. I have received refunds via Affirm in the past. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute resolution statement from Affirm : Hello XXXX, " This is XXXX from the Affirm Resolutions Team following up on your disputed XXXX, XXXX purchase ( loan ID : XXXX ) that was processed for {$130.00} on XX/XX/. I understand how frustrating it can be when purchases do not go as planned. I do have an update to provide you with on your disputed loan. 

I am writing to let you know that we have closed this dispute in favor of XXXX, XXXX ; you should have just received an automated message indicating the same. I know this is not the resolution you were looking for and want to provide more context. We have made this decision after reviewing the evidence provided and according to their policies, if you decide to use Affirm for monthly payments you will not qualify for a refund. 

We did not receive evidence indicating XXXX, XXXX was working outside of their policy. 

We understand that this may be frustrating news, and apologize for any inconvenience that this has caused. Affirm simply manages the financing of your purchase and to that end, this dispute process ultimately rides on the nature of the merchants policy. As the merchant is operating within their policy, we are unable to resolve this dispute in your favor. "
Consumer complaint received 2023-07-16
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. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX : {$5500.00}
Consumer complaint received 2023-07-11
Product: Credit card or prepaid 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. (ME)

I opened a credit card with Chase Bank on XX/XX/XXXXXXXX  that offered a XXXX first statement credit and my first statement has arrived as of yesterday ( XX/XX/XXXX ) but the credit has not been applied. 
I did see online that they never applied the credit, and I did call Chase Bank on XX/XX/XXXX to ask why the promotion had not been applied and they said give it a couple days. 
In the meantime, I am accruing interest on the money that was supposed to he credited to me and I believe that is the strategy on Chases part. 
I have looked online and see Im not the only one who is experiencing this. I believe Chase is behaving in a predetory manner, trying to collect extra interest by delaying or never giving the promotion at all. 
Thank you
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.
Consumer complaint received 2023-12-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : 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 I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Consumer complaint received 2023-09-11
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)

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 information is inaccurate.
Consumer complaint received 2023-09-11
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. (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.

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 2023-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (OR)

I had a loan with MoneyLion, I had forgotten about it. The company continues to withdraw a {$19.00} fee monthly and does not apply it to the loan and says I can not unsubscribe or close the account until the loan is paid. So my account monthly sees a withdraw of XXXX and I can not stop this because the loan is not paid. This has been going on for the last 3 years and during times when I was unemployed and had no means to pay.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

A little over a month ago I opened an American Express business account. When my first bill arrived I was quick to call them ( early XXXX ) as they were billing me at a time of month that was problematic. I was informed by the representative that my bill would be changed for the next billing cycle, which would have made this bill due in XXXX. However, AmEx delayed this request and instead is attempting to charge a late fee for a late XXXX statement, despite the fact that I was promised I would now be on a cadence to pay in the first week of each month. This manner of business is highly unethical and clearly meant to confuse customers and extort funds as late fees. I demand that this bogus {$40.00} fee be removed from my account immediately. Please note that a simple review of the calls ' transcript will prove that I was informed that the change in billing cadence was made, would be in effect for my next bill, which would be XXXX.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I am the owner of AMEX credit card and charge card, I do get some welcome bonus, which is Membership Rewards earlier. At the beginning of XXXX, I was tried to transfer some Membership rewards to XXXX XXXX miles, but it shows " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Meantime, I tried to fix this problem with AMEX MR team many times, they all gave me same response, " we can not do anytime about it " " you have to wait until the process done '' I also ask how long it will be taken, customers services always they are not sure how long it will take, this is very SAD!!! because of this REVIEW, I missed two trips with my friends. Today, ( XX/XX/2018 ) I am still trying to fix this problem with customer service, and I still get the same response, ( I can not do anything for you ), then I ask for speak with the supervisor, I hope the problem will be getting solved, BUT the supervisor say exactly the same words to me as well. THIS IS SAD, VERY DISAPPOINTED!!!! 

I am so sorry I do not know how to organize my words because of my limited English.
Consumer complaint received 2024-04-02
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I sent a letter multiple times to XXXX, XXXX, and Equifax.. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-09-11
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. (GA)

Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : XX/XX/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