davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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: Chime Financial Inc (TX)

I purchased what was described as an ONLINE XXXX service from a company described to me as an Online XXXX XXXX XXXX XXXX, and when I rceived the link for the business which i paid {$140.00} for, it was not as described. 
They had a 30 Day money back guarantee, and it was because of this that I felt secure purchasing the program. 
I used a Debit card provided to me by Chime for the purchase, I complained to chime within 7days that the item I received was not as described. i was surprised that Chime denied the claim without even stating on what Grounds the claim was denied. 
The company misrepresented themselves and the Service they were providing to me was XXXX XXXX XXXX  /A XXXX XXXX instead of an Online XXXX which they said they were offering me. 
They sent me many links to webinars and i asked many questions before send ing the payment and not once did they say it was XXXX XXXX. They constantly said its XXXX XXXX XXXX or while on vacation just using your phone for a few minute per day which is what i wanted. Plus they said a few hours a day and you could quit your job with this Online XXXX because of the money you would be making. 
I asked several times if I had to sell anything and what prouct it is, and they always responded to me that no selling was required. They do most of te work for me, but when i received the link which directed me to the webinar, it was not as described. It was XXXX XXXX/ XXXX XXXX. 
I immediately Contacted CHIME about the matter and they quickly denied my claim. 
i am on Social security and i felt scammed. I dont think people should get away stealing other peoples hard earned mone, so I filed another claim to CHIME and within 48 hours they once again denied the claim which i hardly believe they reviewed thorougfhly. 
I am appealing bto you to kindly assist me with this matter, because CHIME does not seem to care about helping their client. They sem to be more interested in siding with the Vendor for whtever their reasons. 
Thank you for you kind assistance. } Sincerely XXXX XXXX
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MD)

On XX/XX/2021 I made a purchase online with XXXX XXXX XXXX ( XXXX ) and opted to pay over time through Affirm. More specifically, their platform serviced the loan through XXXX. Halfway through the loan term, my debit card was canceled due to fraudulent activity. After getting a new debit card from my bank, I attempted to update my payment method via my Affirm account online. I received an error message saying the card was " invalid ''. Thinking this was due to my bank declining the card, I tried a different credit card. Same issue. 

Over the past 6 weeks I have tried multiple times to add a different card ( both debit and credit ) and keep having the same problem. I have called Affirm more than 6 times trying to get this situation fixed, attempting to speak to a manager who oversees technical issues. Each time I'm told the problem will be escalated, only to check in days later to find out the case has been " closed '' though there has been no response or resolution. I have called my banks. They all confirm that they are not declining the attempts. In fact, I have multiple Affirm loans that are currently active, with the card I am attempting to add as a payment source, that have had no issues. So the problem is clearly with their system. I am at my wits end. 

The loan is now considered " overdue '' and each time I speak with someone it's like talking to a brick wall. They keep attempting to get me to try a different card, although I repeatedly explain the main issue is that I can not add one. I keep being told my overdue status will affect my ability to use their service for future purchases. I would appreciate getting help from someone who is higher up in management and also someone who is not staffed at one of their lower tiered call centers.
Consumer complaint received 2022-04-29
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: Asset Management Outsourcing, Inc. (FL)

I, XXXX XXXX, has sent out a dispute letter to NationWide Recovery Service on XX/XX/2022 and they have failed to respond. I reached out to NationWide via call to confirm the letter has been received and it indeed was. I was told by a representative a letter will be sent out to me but I have not received a response from the company. I sent in a follow up letter on XX/XX/2022 regarding the matter and they have failed to respond to that one as well. If the collection agency ( Nationwide Recovery ) are attempting to collect a medical bill then my private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This is a violation of my HIPAA RIGHTS. The FCRA states that it's the Credit Bureau 's and creditor responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations.
Consumer complaint received 2021-05-24
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. (CT)

I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON XXXX WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/year>, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer report
Consumer complaint received 2018-02-06
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX someone used my identity to attempt to apply for a Walmart Credit Card with XXXX XXXX. I contacted Synchrony immediately when I received the alert from my credit monitoring service that someone had attempted to open an account. I notified them that the account was fraudulent the same day. I was told they had to investigate before the inquiry would be removed and given an address to mail a written request for removal. I wrote a letter and sent the request to XXXX XXXX XXXX XXXX, FL XXXX as I was instructed. I was told that they would send me something in the mail. I have not received anything from them. I called back on XX/XX/XXXX and was told it was still under investigation. None of the information on the application matched my information except my name and social security number. I already had a fraud alert on my credit report advising them to contact me before accepting any applications and no one contacted me before this inquiry was placed on my report. I want this inquiry removed it is affecting my score and it is fraudulent.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

On March 23d, 2023 verification of debt letter and statement to show full break down of charges on a debt owed. The owner of the account LVNV failed to send me the full statement from XXXX XXXXXXXX XXXX  to be able to file a proper police report of the fraudulent charges on my past account with XXXX XXXXXXXX XXXX. On the Summary of Account activities it only show the previous balance and interest charged, but not the full summary of what my previous credit card was utilized for in the past before the charge-off.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : $ XXXXDate Opened : XX/XX/2019
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (TX)

Experian ; I signed up in XX/XX/2016 to monitor my credit report and after a few months I decided to cancel as I did not need the services anymore. I tried contacting Experian at the number that shows up on my credit card statement and i have sat on the phone over 20 times for over 45 minutes only to have the call dropped. While on the phone with them they have a recording that plays that says " if you want to cancel your membership, sign in to your account online and its easy to cancel '' however there is no place to be easily found on their site to cancel the membership. They route you back to calling in to cancel. Today while sitting on the phone I surfed their site and finally found an email to XXXX. I sent an email requesting cancellation and informed them that I was filing a complaint with the CFPB and FTC. For a company to make it so difficult to cancel is fraud. While I was typing out this complaint I finally got someone on the line with Experian after another 32 minutes. Then suddenly the call dropped, again!!!
Consumer complaint received 2021-11-09
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. (CA)

On XX/XX/2020 I received a correspondence from XXXX XXXX stating my credit card application was declined. I called XXXX immediately and advised them I never applied for a credit card. I asked XXXX when and how the application was actually submitted, but they could not or would not provide me with this information. I asked XXXX if there was a possibility that they transposed a number on someone else 's application, mistakenly accessing my report, still XXXX declined to give me a straight answer and stated they needed to investigate the situation. I immediately requested one year fraud alerts be placed with all 3 credit reporting agencies. On XX/XX/2020 I received another correspondence from XXXX advising me that my personal information was compromised and I need to take steps to protect my identity. My expectation was that the hard inquiries were going to be removed from my credit reports, since I never authorized XXXX to pull my credit reports.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am complaining about Macy 's billing practices. The total balance is shown, but in the following month, Macy 's charges interest on the previous balance. No other store credit card separates the interest from the total balance. Last year, Macy 's sent me to collection over a {$2.00} interest fee! I had paid the total balance due, but, did not expect further interest charges. I thought interest was included in your balance due statement. 

I pay off my balance on my statement right away, because I am afraid that Macy 's will reflect a balance owed. Again, they are billing me separately for the interest. 
I have been a Macy 's customer for 40 years, and am a senior recovering from a recent XXXX. I find it so difficult to keep up with Macy 's billing practices. Is this legal? It is very hard on consumers. 

XXXX XXXX
Consumer complaint received 2021-11-09
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 have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but XXXX and Equifax has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

Account : XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX , FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP (TN)

My payment is past due and Republic Finance not only called my place of work to confirm employment, but also told one of my employees that they were confirming because I am " on probation. '' This is defamation of character and now all of my employees are wondering what I'm on probation for and I am not on probation at all.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX CFPB, How are you? Hope all is well. Ive been a member of the student loan program for 12 years. Having successfully completed my hard earned and worked degree as a XXXX veteran with no help since the beginning. Ive been homeless for XXXX or more years struggling. Ive also been discriminated against when it comes to scholarship and being looked as a non A or B + Student but I actually am. Ive been paying my student loans as much as I can asking for forgiveness and I still didnt get a pardon? Is it because Im XXXX XXXX thats educated that wanted to stand up for my country? If you look at my education record Ive done my best with what I have thats all I can do. Ive applied for all types of scholarship and because Im a veteran Im disqualified, no thats Descrimination. I have every right to apply for any scholarship just like anyone. Everyone is getting recognition for their education except me. I asked for loan forgiveness just like all other students at least a portion of my student loans. Its not easy. Now they are reporting on my credit that Ive reached my max limit. Trying to sabbatoge my credit score by reporting incorrect information about my student loans basically Descriminating. Ive spoke with Department of Education and have been ignored, hung up on the phone, and transferred. Veterans shouldnt have to pay for school at all including loans should be forgiven because of their service and sacrifice to our nation.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXXXXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (CA)

for the last 2 months, I have disputed a {$3500.00} balance via Equifax XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to Equifax, on XX/XX/2023. '' Equifax continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold Equifax accountable and make Equifax remove all outstanding balances that are incorrect.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions/consent.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CT)

In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.