davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (AR)

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their XXXX my daughter XXXX number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXX law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXXBy law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CT)

Hello, I have purchased queen Mattress from XXXX XXXX and used Affirm ( my complaint is against ) to finance this purchase. I am disputing the resolution that affirm put on my XXXX credit report that my account is delinquent. I have purchased this in XX/XX/XXXX and it comes with XXXX nights warranty. We didn't like the product after using it for 30 days and were trying to return it to XXXX XXXX. Upon trying to return this, we found that XXXX XXXX  is no longer in business from XX/XX/XXXX. We communicated this to affirm via phone in XXXX and XX/XX/XXXX and we received the confirmation email ( attached ) from them saying they can't do anything as XXXX XXXX  is out of business. I requested affirm to contact XXXX XXXX  on behalf of me and they said they can't find anyone to talk to. I only felt confident to purchase this mattress with XXXX XXXX  as they partnered with Affirm, who I felt were a reputed company and provided me lot of confidence. Now I am struck with a mattress that I don't need and is providing bad back problems for me and wife. I am reaching out via CBFP to seek justice for me on this matter.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MT)

I purchased a {$25.00} prepaid debit XXXX  card that is valid through XX/XX/XXXX. I didn't make any purchases with it that I could find or recall or even verify. The balance on it today, XX/XX/XXXX is {$1.00}. 
I contacted the customer service number on the back of the card to get answers as to why my balance is {$1.00}. 
The customer service lady verified my information on my card, put me on hold and told me that she couldn't find any transactions made with the card and said that she didn't have any explanation for the extremely low balance of {$1.00}. 
She apologized and said that she could only go back 2 years to check for any purchases made. I had no way of knowing that the card would not be accurate 2 years after I purchased it especially considering that the expiration date on it clearly shows that it's valid through XX/XX/XXXX. 
Therefore I lost all of the money that I applied to the card including the fees and taxes when making the purchase just to find out that the card had been drained down to a useless account of money later. The customer service lady had no actual solution, apologized and said that there was nothing she could do to help.
Consumer complaint received 2022-07-07
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: CORELOGIC INC (NJ)

Core Logic continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Core Logic has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Check no XXXX was issued to IRS by me on behalf of client to pay an estimate payment with name and ssn number of client on the memo of the check for the sum of {$9500.00}. 
The check cleared my account on XX/XX/2022. 

My client received a letter from IRS dated XXXX XXXX, that sum of {$9500.00} was unpaid. On XX/XX/2022, my client and I, placed a call to IRS to explain that the check for the said amount cleared bank on XX/XX/2022. The representative we spoke to as us to go the bank to collect the image for the check ( both front and back ) On XX/XX/2022, i visited Chase bank branch in XXXX XXXX XXXX. there I was told the check was converted to an electronic check by IRS that no imagine is available. Same day I call the IRS with client and explain what I was told. But representative from IRS said we spoke whom different from yesterday said same thing. 

I called the customer service to officially complain. On XX/XX/2022 a document was fax to their through XXXX XXXX XXXX branch. On XXXX XXXXXXXX XXXX. My account was credited back with amount {$9500.00} XXXX XX/XX/2022, I process the amount {$10000.00} direct from account to IRS XXXX which XXXX send to my client by IRS . 

On XX/XX/2022, the bank debited my account with {$9500.00} which indicated the reversal of the amount. I have call customer services several the last time I spoke with I was if IRS is on the I should conn net with IRS. I'm out {$9500.00} now. 
I have document to show,
Consumer complaint received 2022-11-03
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: WELLS FARGO & COMPANY (FL)

This secured credit card account was closed and later charged-off in XXXX by Wells Fargo who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with Wells Fargo directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account Wells Fargo refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies. 

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (FL)

In XX/XX/2021 I ordered furniture from XXXX XXXX XXXX. I uses Affirm to pay for the transaction. 

Time went by and no goods were received by me from XXXX XXXX XXXX. I received a call from Affirm where I explained that XXXX XXXX XXXX had no delivered the furniture. I said that it was not set to be delivered until XXXX of XXXX. I would then be happy to make a payment to them. 

I explained to them they were in violation of The Fair Credit Billing Act. They have refused to comply and have stated that they don't have to. 

They have reported this late to the credit Bureau, threatened to add late fees and terminate relationships with me because of this. I am not breaking the law they are. 

XXXX XXXX XXXX said they experienced delays as did other companies. Affirm should have waited for delivery or to say the least modified the payment schedule based on when the goods arrived.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MN)

On XX/XX/2021 I had load XXXX different deposits of XXXX each. I made my reinstatement fee of XXXX dollars payment to XXXX XXXX online. I got a confirmation payment was successful. XXXX weeks go by and I get a letter from XXXX for a notice of a dishonored check in the amount of XXXX dollars. Chime said on XX/XX/XXXX when they went to debt my account the money wasn't made available them. But on the XXXX the money was deducted from my account but yet chime never paid the payment. There's no record any more on chime. But I have an online receipt proving I made the payment the XXXX. Chime has refused to make it right and said they did nothing wrong. They robbed me for XXXX dollars and I still ca n't drive and have gotten numerous tickets for driving without a license when I paid it off. It has ruined my life not being able to drive. All these legal problems are overwhelming and extremely depressing. I just want my life back and reincompensated for everything chime has caused me.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC (CA)

XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX  XXXX XXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me one more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XXXX I sold a car sent in my release of liability to DMV. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with DMV, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (TX)

Multiple attempts in contacting PNC to close a fraudulent Credit Card account. 

Four calls, four extended holds, a large loss of time for a commission sales person only to have yet received anything in writing confirming my report per guideline of FCRC605B and the FCRA, no confirmation number, no complaint number, only the name of a case manager who isn't in the office.
Consumer complaint received 2022-07-07
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2022-07-07
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)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XX/XX/2022, I took advantage of a Balance Transfer offer with my already existing citibank credit card. I have had this card for 10+ years but have not used it for the majority of that time. I had the payments set on auto-pay so I had not looked at the statements until XX/XX/2022 where i noticed they had charged me a monthly fee of ~ $ XXXX {$25.00} each month for a " Payment Safeguard '' service that I never requested, nor was communicated to me in any of the balance transfer documentation that this fee would be charged. This is stated on the statement as an optional charge - however i was not notified prior to this fee/service being billed. I did not want this optional service. I called to remove this service and request a refund. They told me I had no way of getting in touch with the refund department but that I would receive something in the mail with the final decision. The letter stated that because my account was protected during that time, i was not entitled to a refund. I did not request this Payment Safeguard, and now i'm being charged interest on the amounts of the service fee! I have not been able to speak to anyone directly about this, except to cancel the charge. This was deceitful in placing this on my account without my consent.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

My issue is with paypal. I sell items online, specifically in this instance it was on XXXX, First all of my listings are no refund no return all sales final clearly stated on every listing. Someone bought a pair of shoes from me and after shipping said that they wanted to cancel the order. I replied to them immediately and informed them of my stores policy and did not hear back, then XXXX weeks after delivery they contacted whatever financial institution they used to purchase the shoes and fraudulently claimed that I said they would receive a refund which is a complete lie but paypal released the funds to them even though I have undeniable proof the buyer was committing fraud. I also had a representative from XXXX contact paypal and confirm the situation and XXXX also confirmed that the buyer was lying and have since banned them from using the XXXX site. Paypal has not returned the funds that they allowed to be fraudulently taken and the buyer kept the shoes as well and paypal charged me for them investigating the fraud that they allowed, bringing my financial loses to almost XXXX XXXX I have full evidence that fraud was committed and paypal went along with it. criminal charges need to be brought against paypal, the buyers card issuer and the buyer himself. This is theft, bank fraud and cyber crime
Consumer complaint received 2022-07-07
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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.