davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (VA)

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as Experian, XXXX  and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

The account with JP Morgan Chase was paid via short sale in XXXX of XXXX. There is no balance and each month the account reports as delinquent. This is reporting via XXXX  and XXXX and hurting my credit score because the delinquent status is not aging. I have filed several disputes and contacted Chase directly with only one real response on XX/XX/XXXX and every other response after that generic. Please let me know if you can assist with having this account report correctly as a non delinquent account.
Consumer complaint received 2023-04-06
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-05
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. (MT)

A fraudulent account was opened with XXXX in 2019 using my information obtained via identity theft. XXXX closed the account. Equifax refuses to remove the fraudulent inquiry. They continue telling me identity theft inquiries are a " factual record. '' Pleade make Equifax STOP HELPING IDENTITY THIEVES. I have a police report on file with XXXX Police Department and XXXX XXXX down the fraudulent account almost 2 years ago. Equifax is aiding and abetting identity theft. I've disputed it MULTIPLE times informing them of identity theft each time.
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (CA)

Since XX/XX/2020, on the MoneyLion app I started their credit builder plus loan. It said I would get a {$150.00} bonus in the mail at the time within a week and never received it. Also, I was charged fees I was not aware of, such as {$9.00} membership fees that were charged twice a month. In addition, I have lost my job in XXXX and havent gotten unemployment so its been difficult trying to figure out how to pay for the loan that is supposedly going to be payed off in the future. However, they are taking long to respond to the issue and have taken 5 days to respond to my email complaint and still said they will have to review it, while I believe I deserve a refund. I am still getting charged {$39.00} dollars twice a month which has brought my account to overdraft
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (WA)

XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (DC)

Citibank has ruined my life!! 
On XX/XX/XXXX, I sent a XXXX XXXX XXXX check for {$2500.00} for my loan payoff was cashed by Citibank and deposited in my loan account, on XX/XX/19, Citibank withdrew {$270.00} from my account because i signed up for autopay. On XX/XX/XXXX I called Citibank and asked why they hadnt deposited the {$3200.00} check i made from XXXX XXXX to payoff my loan, Which was cashed on XX/XX/XXXX? They claimed they didnt receive it and asked that i send a copy of the check, which i did. 
On XX/XX/XXXX, I called to find out the status of the missing check. The representative told me that me that the two payments i made in XXXX ( {$270.00} and {$2500.00} ) were reversed and never told me why because the back office wasnt opened on the weekend and advised i called back on Monday. 
I called back today XX/XX/XXXX at XXXX EST, the first thing the representative told me was that my account was overdue and i told her to read the notes on my account and tell me why the two payments in XXXX were reversed before she telling that my account was overdue. 
She told me that she couldnt tell me why and the back office do not have a phone number to reach them on. 
When i asked she opened a complaint, she thought she put me on mute and she said Lady, Lady, so you are just gon na start on me this morning when i asked her why she would make that comment, she denied it and later said, yes she said so because i asked her why my payments were reversed and she didnt have an answer for me. 
I find this ridiculous and it is likely that Citibank would report a late payment on the credit bureaus and mess up my credit for no fault of mine.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

It has been 7 months trying to resolve a chargeback issue. Wells Fargo Personal bankers, Wells Fargo Merchant Banking and Wells Fargo 's collection agency can not resolve the issue and provide sufficient and clear documentation on what is owed, what fees were charged and why, and we still can not resolve the issue 7 months later. 

The departments have no way of working together to show what money was passed from my personal bank to merchant banking or to collections, or what was passed on from withheld funds in merchant banking to collections. 

Furthermore, I was charged multiple times for them randomly trying to extract money from my personal and business accounts, and then was charged for the rejected transactions on both the merchant banking and the regular bank. Furthermore, they charged me twice for the processing fees ( the chargeback had been once reversed ). 

No one has reached out with relevant information to resolve debt owed but is going to release the information to a third party to affect my credit even though I have been trying to resolve this issue for over half a year.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I enrolled in the Citi Priority checking offer on XXXX, 2022 that promised XXXX XXXX XXXX XXXX points if certain activities were performed in the initial 60 day period such as making a deposit, paying 2 bills and making {$750.00} of payments using the assotiated debit card. 

On XX/XX/2022 I called Citi to ask if I had fulfilled all my obligations to receive this benefot and was told yes, and that points would be deposited in my XXXX account shortly. 

On XX/XX/ 2022 I called back to inquire about the points not having been deposited and was told that I also needed to keep a balance for a 60 day period - which was not something I was informed of on XX/XX/XXXX.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (FL)

Unbeknownst to me, XXXX XXXX XXXX, XXXX. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that XXXX XXXX XXXX has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX XXXX XXXX XXXX website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement XXXX XXXX XXXX posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.
Consumer complaint received 2024-02-27
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)

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

Account Name XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX U Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my TransUnion credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted TransUnion they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. TransUnion has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXX blames TransUnion while TransUnion blames XXXX XXXX  and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

A sub-prime lender I am having problems with a warranty issue for a vehicle loan. Marked me 30 Days late on my account. This only occurred when I have a current dispute with a warranty I am trying to get refunded. Which i reached out to the dealer for possible Fraud. 

I have submitted my bank accounts statements as to when the payment was made. XX/XX/XXXX was the due date. Which was a Saturday. They posted my payment on Monday the XXXX. Or I believe they may have said the XXXX. In any case I paid on the XXXX. 

I do NOT have one late payment to that account. Nor do I have any late payments on my credit report for any account I have. All my accounts get paid on time. The balance in my checking account was more than 50 times the amount of the payment. The funds were available. 

They refuse to correct the 30 days late and it is causing major financial difficulties. 

My score went from XXXX to XXXX. From that one FALSE late payment in that account I am disputing. This is unfair. Especially during a pandemic I am struggling to keep everything current and they are falsifying or not taking the time to research the paid item.
Consumer complaint received 2023-04-06
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. (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 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 Balance : {$10.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10.00}.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AE)

American Express incorrectly calculated the amount basis for interest charged on my XXXX Card. The amount carried forward from my XX/XX/2022 statement to my XX/XX/2022 statement was {$3500.00}, however I was charged interest on {$5400.00}. With an interest rate of 20.49 %, this resulted in an interest charge of {$94.00}. The correct interest charge should have been {$61.00}. 

I called AMEX customer support at approximately XXXXXXXX XXXX on XX/XX/XXXX to dispute the charge. The customer support representative could not identify why I was being charged interest off of this amount and escalated the case with her management. As of writing, the case is still currently pending resolution with AMEX management ; however, the issue is not whether or not AMEX will correct the problem in this instance. The issue is that the interest calculation process is clearly automated, and this may be indicative of a serious issue with the way that AMEX calculates interest. If customers are not reviewing their interest charges monthly, it's likely they are unaware that they are being overcharged for interest. And even if they are, it's costly in time on the part of the customer to call AMEX for resolution.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IN)

THE COMPANY, SOUTHWEST CREDIT SYSTEMS, L.P., PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a XXXX person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XXXX XXXX 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' SOUTHWEST CREDIT SYSTEMS, L.P. is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof of claim against SOUTHWEST CREDIT SYSTEMS, L.P. admitting to getting my information from original creditor of the alleged debt, which constitutes information shared without written consent from me the consumer.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (PA)

In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

XXXX, XXXX I was XXXX at work and placed on leave from work. I wasn't eligible for any supplemental income from my job until XXXX, during that time I was paying all my bills, including mortgage and utilities from my savings account and both my chase Credit cards. During this time I used my credit cards to supplement what income I was lacking, still trying to pay the monthly minimum on time. I stayed in contact with Chase card services about my situation, by XXXX, XXXX. I was completely out of funds and started to fall behind. I was not granted any extension and by XX/XX/XXXX, Chase card services terminated both of my cards I had with them and sold it to a collection services. This dropped my credit score drastically. I don't agree with there means, I was unable to gain any credit or loans because of this mishap. 12 CFR 1026.11 ( b ) ( 2 ) Account termination. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.