davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

Affirm informed me on their website that they would not report loans with a XXXX XXXX XXXX  or short-term loans as long as they're paid off. I paid the entire loan off on time as agreed. This is also well-documented by various news outlets. 

Against their agreement, they only now reported a single payment to XXXX with the rest of the loan unpaid. 

They led me to believe they would not report if I abided by the terms. I would not have taken it otherwise, as it was for a promotional offer through XXXX. 

I have almost {$70000.00} in credit, I don't need a {$120.00} loan!
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

There is a late payment appearing on my Credit report for months that does not belong. I was never alerted I missed any payments etc. I have perfect payment history so for it not to be removed would really effect me. This appears on both XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted Equifax several times about this error. I have XXXX accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX account XXXX XXXX ... .has violated my rights. 

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
Consumer complaint received 2022-10-16
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. (DC)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU EQUIFAX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

My Chase account is locked today XX/XX/22 and I can not log on to view or pay my credit card bill. This is the second time I've had this issue. I've been on the phone with customer service for hours and have repeatedly been either hung up on or sent to the main customer service menu. I have spent hours on hold and being forwarded from department to department where each representative says they can't help and forwards me again. It's incredibly frustrating as I have been a good customer, always paid my bills on time, and now I'm being punished with terrible customer service and no help with my issue. I would like to close all my Chase accounts and end my relationship with them.
Consumer complaint received 2022-08-03
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-16
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602A I have a right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

WELLS FARGO : On XX/XX/2022 someone tried to charge {$470.00} and I was contacted as fraud I said yes and they declined charge. then on the same day someone made a {$390.00} charge and {$120.00}. Both to stores in the XXXX. As I didnt have enough money they pulled from overdraft protection. As I got charged international charges they took more from over draft. My entire checking was drained and a chunk of my savings was pulled. No one contacted me about suspected fraud. I got an alert my acct hit XXXX balance. I looked and called and reported fraud. They issued a temp credit. After 30 days of Investigation I received a letter that says they had proof the charges were made by me and took the money back {$510.00}. I looked into companies. One was a furniture store in XXXX. I obviously didnt buy furniture in XXXX to deliver to the US as I live in Florida XXXX The other charge was for high end bags and shoes. My most expensive shoes are my vans. I dont carry a purse. I am XXXX. I get paychecks of about XXXX every other week. Losing over {$500.00} means I cant pay rent or eat. This is ridiculous based on the location of the stores and the items they sell. I have not seen the proof but I have requested it.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

Credit card adverting rewards says " Get up to {$25.00} back as statement credits on inflight Wi-Fi purchases '' which suggests it's {$25.00} per flight, which is about how much it costs for most flights. The terms though say it's {$25.00} a year, which barely covers XXXX hours.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2022 I was making a payment on my XXXX XXXX Synchrony bank credit card. I added a new bank to make my payment from. I made a mistake when selecting the type of account I was paying from. I selected checking account when it is actually a savings account. I learned a couple days later the payment was declined. I then added the bank account again, this time correctly listing the account as savings, and I submitted my payment. About a week later I got a notice of closed accounts on my credit report. When I looked into it I found that all of my Synchrony bank credit cards, XXXX XXXX, XXXX XXXX, XXXX and XXXX were all closed. When I checked I found my second attempt to make a payment on my XXXX XXXX XXXX did not go through, showing as rejected. After calling Synchrony, an agent told me I could not do an online payment using a XXXX account. Their website did not give me a warning the payment would not go through. I checked with my bank and I was told the second payment attempt was never presented to the bank to pay. The Synchrony agent said I could use a savings account for payment over the phone, just not for online payments. She took my information, using the same account I was trying to pay from, and my payment went through without problem. On all the cards that were cancelled I never had a late payment, I never went over my credit limits, I only had a small balance on XXXX card that I immediately paid in full. When I called Synchrony requesting my credit cards be restored I talked to several agents and all said that was not possible, referring to Synchrony 's policy in their terms they can cancel cards at any point and for any reason. I asked to talk to managers and was told the same. I was always respectful talking to the agents. I think Synchrony cancelling my cards were not right, I made a simple error, and their own computer system did not alert me a payment would not go through when I tried to correct. When the second payment attempt was rejected I did not get notification of the problem until after all my Synchrony cards were closed. I did not get the opportunity to correct the problem. I feel closing my cards was an unfair practice considering Synchrony 's own system was the problem my second payment did not process.
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (TX)

I had a XXXX debt added to my credit report that I have never received any communication about and was not allowed the opportunity to dispute the item or ask for information to verify. I moved recently and have attempted to communicate with company through email about disputing the item but never received a response or call. I believe the company is not following laws by not sending communication to me and allowing me to respond to it, instead they reported it to the credit buries dropping my near perfect XXXX XXXX down due to a small debt. If the item would have been verified and I received the documentation necessary showing it was owed, I would have worked with the company. Again, I believe the medical debt is incorrect and I do not owe a balance. I ask it is immediately deleted from my credit and the company sends the required documentation and allowed me to dispute the item without punishing me.
Consumer complaint received 2022-10-16
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: Conn's, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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 XXXX 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 2019-10-14
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. (IL)

XXXX and Equifax have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from Equifax that affirm that my information was compromised in XXXX.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX/2021 : After becoming a victim of identity theft, I called up Equifax to report a fraud alert. After the fraud alert was set up, I purchased the EQUIFAX XXXX credit monitoring software for {$10.00} a month and logged off for the night. Everything appeared to be working XXXX/XXXX/2021 : The next morning, I tried to log in to my account but was told that my login information was not acceptable which is false. I attempted to reset my password online but I keep receiving the message " We are temporarily unable to complete this request. Please try again later ''. I attempted to call the hotline several times, but am stopped from talking to a XXXX XXXX XXXX because my personal information to verify my data is " not correct ''. False. 

Following up with this, I sent them an email XXXX XXXX, but have not received any response from the company. For a credit monitoring company that is supposed to protect me from identity theft, they are very lax with their approach. 

I can not use the credit monitoring software that I paid for and can not talk to anybody from Equifax to verify that fraudster ( XXXX ) are attempting to open up more credit cards in my name. I am absolutely mortified. Additionally, I am paying for software that I can not use. Should have never used this company but I purchased the monitoring software out of desperation without any research.
Consumer complaint received 2019-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

This is regarding Wells Fargo Dealer Services and acct. no. XXXX 1 ) This load was a rip off for several reasons -- all loans between XXXX are now part of a Class Action lawsuit from Wells Fargo due to them illegally placing CPI ( Collateral Proection Insurance ( CPI ) on all vehicles despite our aleady having insurance 2 ) They also were applying dollars paid to the interest including insurance and not the Principal, so it makes all payments during this time frame look late for 30 days 3 ) They also went in an placed a fraudulent payment on the account although payments were no made. 
The car was ultimately repossessed due to the exboritant payments and fees
Consumer complaint received 2022-04-21
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (MO)

There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX. 

In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My wife and I both had savings accounts with Citi Bank for the past year or so. Every time we had a question our call was routed to The XXXX, XXXX, XXXX or who knows where. After getting fed up with the customer service related to attempting to do on line transfers from my Citi Bank to another bank ( 4 times attempted over a 30 day period with multiple calls resulting in verbal and written correspondence to me assuring me the issue was fixed ... ... the transfer continued to fail. ) That was the straw that broke the camel 's back with us. ( 2 ) weeks ago we both called into Citi and requested our accounts be closed. We were assured that they were closed and my wife received her $ check via UPS ( 4 ) days ago but I am yet to receive mine. I called again ( 2 ) more times and some rep by the name of XXXX told me yesterday morning that she would immediately get me a UPS tracking number and call me back. Another lie!! No call returned. I have $ $ that needs to be refunded to me immediately. I retired from over ( XXXX ) yrs. of a banking and financial services related career and this is the absolute worst I've ever seen! Please help me.
Consumer complaint received 2022-04-21
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: SYNCHRONY FINANCIAL (OH)

Synchrony Bank was contacted on XX/XX/XXXX about Charges made on my account that were fraudulent. Took 2 hours to get a hold of a person to try to fix.They allowed someone other than me to call in and change address and email and then they issued them a card. Synchrony bank has not removed the fraudulent charges or did they change my Email and address back to the correct information. Trying to contract Synchrony Bank XX/XX/XXXX to speak to a person is impossible as it only give you automated options and mailing address is only for Payments. Was going to make a payment on actual charges but account is not correct and it would send email conformations to the fake email account.
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act - 1. XXXX / XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX # Account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts : XXXX XXXXXXXX XXXX XXXX XXXX