davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (NJ)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXXXXXX 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 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (MA)

Recently I noticed unauthorized charges on my credit card account that I have with the First National Bank of Omaha. 

Immediately after I noticed unauthorized charges, I contacted FNBO via secure messaging system on their website, but FNBO refused to remove the unauthorized charges. 

On XX/XX/2022 I sent a letter to FNBO ( a copy of the letter is attached ) informing FNBO about the unauthorized charges. Today is XX/XX/XXXX, more than 30 days since I informed FNBO about the unauthorized charges on my account, but FNBO has not removed the unauthorized charges and they still remain on my balance.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (CO)

I received a phone call from XXXX XXXX I was told that I owe them {$37.00} well luckily I think the call dropped. So I called the number back and it wouldnt go through. So I contacted customer service at XXXX and they said we never call you in regards to a bill we will text you. So then I got a bit worried I kept getting the same phone call and I said XXXX XXXX Call me. So then I got a call from a collection agencyCalled AFNI And they are telling me that I owe them {$37.00} on behalf of XXXX. XXXX like what the heck I have repeatedly and I mean repeatedly dozens of times called XXXX to make sure that I dont have a {$37.00} bill I had just paid {$620.00} I really wouldnt give a XXXX about {$37.00} bill. So they keep calling me and then I get a bill saying that Ive been sent to collections I dont even know what to say I dont know what to do I am at the mercy of these criminals and I just dont know what to do
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (WA)

I have accounts that I did not open under my Affirm account. The unauthorized amounts are as follows : - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX  processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022. 

These accounts were started without my knowledge and I would like to file a claim for them not to affect my credit. 
I have already filed a claim with the loan company Affirm, and they have declined to cancel the payments until I file for fraud.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Consumer complaint received 2022-11-05
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. (TX)

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX SIMPLE was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I cancel my membership an TransUnion credit report agency toke funds from my account illegally transaction i didn't request my account supposed been cancelled requested my money be returned sooner an possible
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account, 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 any purpose.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2022-11-09
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. 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX credit bureau 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 and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Experian and XXXX 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

the barclays bank charged me a credit card interest for {$350.00} on XX/XX/2020. I tried to contact them to solve the problem but they could not waive the extra charge. This is the case. I used the credit card to purchased an item a year and half ago. The promotion offer 18 months no interest charge. I set up an autopay. the total balance was supposed to pay off before expiration. In this XXXX, XXXX they send me an email said they would offer payment assistant to help customer to defer payment during the pandemic time. So, I enrolled to the program and skip two payments. Until XXXX, I have money and then started to pay them back but last month I missed an payment, I thought I set up autopay but I didn't know what happend until they call me said my payment was past due. So, I login to my account and then found out they charged me extra {$350.00} for interest because my promtion is expired and I didn't pay off the balance. I contacted them but they coul n't slove the promble.
Consumer complaint received 2020-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

Im having a very trying time dealing with my private loans. Theres no plan to effectively delay them. The income based repayment plan that I was on is terribly high. With everything going on with COVID and my precarious financial situation I often times find myself extremely overwhelmed and I feel that there is no one at Navient to empathize with my situation. The constant calls and the distressing lowering of my credit report has put me in such a mentally fragile time. I write this to get some guidance and assurance because Im not comfortable with Navient and feel like there is no way to reach a justifiable conclusion.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (OH)

I am demanding justice. Equifax is continuing to ruin my credit file for no reason. Equifax has just trashed my credit file again by refusing to update my credit file by removing trash off of my credit file. these people cause a serious data breach XXXX knows who my personal info went to because of Equifax. taking this to higher authorities, XXXX rep 's, attorney general offices in both states XXXX, GA and Ohio. So sick of being sick and tired of this! I will see Equifax in court!
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (TN)

On XX/XX/year>, I attempted to open a dispute online with XXXX XXXX  regarding a charge from XXXX XXXX XXXX XXXX in the amount of {$120.00} debited from my account around XX/XX/year>. I was prompted to contact my bank at phone XXXX to open the dispute for the charge. I called number provided on XX/XX/year> at XXXX and was connected to XXXX XXXX in the Disputes and Investigations Department, XXXX IL location. I advised XXXX of the situation with the charge and requested a chargeback. XXXX stated she would not open a dispute for the chargeback and to contact the merchant for assistance regarding a refund. I advised I had already attempted to contact the merchant on XXXX separate dates ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) and had been unsuccessful in reaching the merchant. I advised that the merchant did not have any contact information ( phone, address, etc. ) other than an email address and that I had not received a response from the merchant. XXXX stated she was unable to assist with opening the dispute and to contact the XXXX XXXX XXXX  to report the merchant. XXXX stated that it was the XXXX  's job to help recover funds. I requested agent 's number, call reference number, supervisor name, bank contact information ( address ), and any form of written record that I made this request and that Discover bank was refusing dispute/chargeback request. XXXX stated the call was recorded and that she was unable to provide any additional information except her name, department, and that she was located in XXXX, IL, and callback number XXXX.
Consumer complaint received 2023-02-09
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. (TX)

There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Restating my concern for record that CDR dba Genesis did in fact contact me knowing that a cease and desist was noted on my account. Genesis claims it to be a courtesy call however, citing FDCPA : 6. Ignoring cease and desist requests. If you send a letter to a debt collector asking them to stop contacting you, they are required to do so, except to inform you that they will take a specific action, such as filing a lawsuit. Ignoring your request is a violation of the FDCPA.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

In the month of XX/XX/2020 I used my Chase Slate Credit Card online at XXXX XXXX. The only reason I used the credit card online was due to the Pandemic, I could not visit the local establishment, It was closed due to the Covid-19 Virus. I used different amounts on different days, again using the credit card as a credit card, expecting to pay accumulated interest at the end of the month on my statement. In late XXXX I reviewed my account and Chase had charged me {$10.00} per use of my c.c. a total of {$220.00}. I immediately contacted Chase and set up a phone appointment with their local branch. Chase did not keep the appt., without notice to me. I contacted customer service and explained that I did not make cash advance withdrawals. I disputed their charges in XXXX and wrote letters of dispute to Credit Card Services XXXX. XXXX XXXX XXXX, De. as required by their on line dispute center. The company continues to accumulate penalties and interest on the disputed charges of {$220.00}. I finally got a hold of Chases ' Dispute Department today, XX/XX/XXXX. and spoke with XXXX XXXX. Mr. XXXX informed me that I can no longer dispute charges older than 60 days. I have communications with Credit Services dated XX/XX/XXXX and XX/XX/XXXX, well within the required 60 days disputing these charges. Mr. XXXX told me, again, that I can no longer dispute charge over 60 days. " The company is going to continue to charge interest and penalties on this account ''. This is what I would call an unfair business practice. I have, in good faith, tried to dispute charges that I feel have been applied incorrectly and not been provided with a answer to my dispute. 
All other charges on this account have been paid and I closed this credit card with Chase in writing. The balance on the card is now over {$600.00} and Chase continues to charge penalties and interest on original charges I have been disputing since XXXX. I find it unfair that Chase refuses to work with me on an agreeable resolution and continues to apply usury interest and penalties. 
I would like assistance in resolving this matter. 
I find it apprehensible that the banking system can strongarm me in this manner with total disregard to my rights as a paying customer. 
Thank You for your help on this matter.
Consumer complaint received 2022-11-09
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: WELLS FARGO & COMPANY (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. 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 XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau 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 XXXX 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 XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX