davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Equifax XXXX ( Not more than two payments past due ) XXXX  ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) XXXX XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

I reported 2 fraudulent charges made to my account number ending in XXXX on XX/XX/22. They were both in the amount of {$500.00} at XXXX XXXX in XXXX, AL. I have not traveled, did not make this purchase and had other credit cards compromised around this date as well as my cell phone number " ported '' to a different provider. After investigation, Citi claims because it was a chip enabled transaction it is not fraudulent activity. Like I would fly to Alabama and shop at XXXX XXXX to the tune of {$1000.00}.
Consumer complaint received 2023-03-12
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: CLGF Holdco 1, LLC (AR)

In accordance with the fair credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Good morning, I did not know how to classify or put into category according to your site. This has to do with my payments made to Shop Your Way - Sears credit card. I have attached statements which will show my balance for the month of XXXX, XXXX, XXXX as well one labeled Recent Statement - XXXX. My payments have been paid on time since I have acquired the card. In XXXX, I made a payment on time but notice Sears did not show the payment. I resubmitted my payment on 5 days later which was late and I was assessed a late of {$28.00}, which in enclosed as an attachment. However, Sears is saying owe a totat of XXXX as payment for XXXX. In XXXX I made payments of {$190.00}. In XXXX I made my payment early of {$150.00}, yet it still show payment due for XXXX of {$130.00}. On the XXXX statement, it shows a payment due of {$280.00} with my balance being approximately {$85.00} over. On another statement dated for XXXX, it shows my balance of {$4100.00} with a minimum payment of {$480.00}. The XXXX statement shows balance of {$4100.00} ; XXXX statement shows balance of {$4000.00} ; and XXXX statement shows balance of {$4100.00}. During this time in XXXX I made a payment of {$160.00} plus additional payment of {$39.00}. Then beginning of the new year in XX/XX/XXXX I made a payment of {$150.00}. As stated in the of the complaint, I did not know which category to place the complaint. However, I am not trying to be dishonest because I pay my bills on time always. I do believe I am being overly charged since I have not used the account in a while. I am being assessed unnecessarily which is making an extremely high monthly payments due. My usual payments range from XXXX monthly payment to {$160.00}. I want my monthly payment to reflect reasonably without anything extra added. My balance is {$3800.00}. currently. I do not owe anything for XXXX since I made my payment early. I am asking for your assistance in this matter.
Consumer complaint received 2022-12-30
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: Maximus Federal Services, Inc. (GA)

These items on my credit report as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... dept.of education ( Aidvantage ) whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I purchased a set of golf clubs at Dicks Sporting Goods and was told that I would receive cash back if I registered for a card. I did and then waiting for the bill. 

The first bill came and the log-in information was incorrect. I was unable to pay and they told me that I would not be charged any interest or late fees because the correct information was not sent. There is ZERO way to log-in online, they have to send you physical mail. It is 2022. 

I got the second set of information and that also would let let me log-in. They refused to assist and told me that I had to wait again. I was reassured that I would not be charged. 

I finally.. FINALLY figured out how to log-in after getting a LATE FEE notice being told that I now owed money. 

This is intentionally made to make it nearly impossible for anyone to log-in and pay for what they owe. 

They need to be crushed. This is clear fraud.
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My debit card was duplicated and used fraudulently at a post office made  XXXX  money orders in the amount of {$4900.00} on   X/XX/2017 . I f iled a police report and a report with the postal inspector. Chase denied my claim first they said my card was used and swiped with my pin number because that day the machines were down to use my pin. I escalated the call now they are saying it was a chip on chip transaction. I filed another claim to reopen my case and now they are saying  XXXX  out of the  XXXX  transactions are correct. All the  XXXX  transactions were done at the same time all together. I asked them how is it possible to claim  XXXX  incorrect and not  XXXX  when the person did it all together.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I filed a claim with Wells Fargo, detailing every transaction that was unauthorized. The total amount for the claim totaled {$3100.00}. 
I explained to re representative that I spoke to over the phone, while filing my claim that I left my wallet in a different city and did not have access to my card during the time of the transactions I reported. 

I called back after the claim was filed to verify the amount was correct on the claim and the XXXX phone representative informed me the claim was only filed for a little over {$1000.00}. I asked her to correct it and she said she was not able to do anything to help. 

I called a third time on XX/XX/2022 and the XXXX representative said they can help me fix the mistake the XXXX representative made while filing the claim. They started a new claim including all the unauthorized transactions. 

On XX/XX/2022 I was informed by Wells Fargo that my claim was denied. So I filed my first report on CFPB. On XX/XX/2022 I received an email from XXXXXXXX XXXX  XXXX Complaints Management office at Wells Fargo executive office acknowledging my CFPB complaint. I spoke to XXXX XXXX on the phone about Wells Fargos decision to deny my fraud claim and she advised me to take legal action against the person who used my card without authorization and take them to small claims court. 

I believe Wells Fargo isnt protecting my money I trusted them with in my account and they handled the claims process very poorly and had multiple errors on their end. I believe I wouldve been able to catch some of these unauthorized transactions sooner if it didnt take days after they money was taken out of my account for Wells Fargo to update my account online. The unauthorized transactions were out of pattern with my regular spending habits on this account and I didnt receive any calls from Wells Fargo calling to verify any of these fraudulent transactions.
Consumer complaint received 2022-11-15
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: Cascade CISS Holdings, LLC (NY)

I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (GA)

For ethical reasons and because of sub par standard operating procedures being locked into my Direct Express Comerica Bank account has become untenable. I have found an online bank that meets my needs. I have asked the customer service agents at Direct Express/Comerica for the banking routing number and for my account number. Those numbers I would need to move where my monthly funds are deposited, I was told to speak to the person at The Social Security Agency to move my account to only then be told by them that Direct Express needs to provide me with the aforesaid info. I have had other bank accounts and never has such information been so coveted. I am locked into an account with a terrible apr and with a bank with dubious investment practices, terrible customer service and a loss prevention team that didnt notice my account being hacked for 3 months.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (CA)

On XX/XX/XXXX, a summons was left at my door saying I am being sued by XXXX XXXX XXXX, XXXX, represented by Mandarich Law Group for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to Mandarich Law Group and the court. I then received a false response by Mandarich Law Group dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, Mandarich Law Group sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the equifax data breach. Please help me get a response.
Consumer complaint received 2024-03-26
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. (TX)

I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, XXXX and TransUnion are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).
Consumer complaint received 2022-11-15
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor, please investigate the unverifiable item/accounts/information belowXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}