davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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: MARINER FINANCE, LLC (VA)

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-02
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IL)

Ally Bank notified me that I will be penalized on XX/XX/2022 if I do not reverse the overdraft of {$80.00} that was fraudulently charged to my account by a tourism company. I have received numerous emails warning me that I must bring my account back up to balance. I disputed the transaction today. I have been unable to reach Ally 's customer service to speak to a human being about this matter. I am unable to log into my account on mobile due to their faulty app. I learned that there has been widespread fraudulent activity among Ally customers and I am confused as to why Ally has not been transparent about this information. They need to be penalized for their failure to protect banking customers ' personal information, and for their insistence on continuing to do business as usual without openly informing customers that this widespread fraudulent attack has occurred.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

My computer was hacked and a self account was opened. Which changed my credit score by XXXX and I want this fixed. Self agreed to close account, and I manually completed dispute on the XXXX online. I WANT MY ACCOUNT TO REFLECT XXXX LIKE IT WAS BEFORE THIS FRAUD.
Consumer complaint received 2022-09-22
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)

Equifax, XXXX, and XXXX, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( Equifax, XXXX, XXXX ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}
Consumer complaint received 2022-09-22
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. (MD)

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.

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-28
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. (OH)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WI)

Collection showed up on my credit report. It is apparently an energy bill from XXXX XXXX in XXXX  I have never been to XXXX. I filed disputes with XXXX and also XXXX. 
I have lived in XXXX for 7 years and prior to that XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

I have requested, and on numerous occasions - a Do Not contact and from this debt collector.

I am reliant on a Do NOT Contact description from FDCPA.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons
umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. 

The CFPB has them as well. 

I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. 

Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. 

The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. 

You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. 

The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. 

At some point, the actual penalties will be real - and outweigh your actions. 

We are at the cusp, remember there is a class of people. 

Do not contact any one for anything.
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act 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 2022-08-28
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: JPMORGAN CHASE & CO. (TN)

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

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose. 
XXXX
Consumer complaint received 2022-09-22
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: BARCLAYS BANK DELAWARE (FL)

I am trying to resolve a dispute for an incorrectly charged amount. I followed the steps directed by the Bank. They closed my case stating we did not answer the phone, so they closed the case. I called and asked why they closed it, and I asked to have it reopened. They refused saying it needed to be done in writing. My initial dispute was done by phone, so not sure why now it has to be in writing. I asked for a supervisor they said one was not available. I asked for their name and ID and they advised they could not do so. 

After a while of going back and forth they decided to help me. They called the merchant ( Frontier Airlines ) about a {$680.00} dollar charge that should of only been around {$370.00} dollars. I have made several attempts to resolve with the merchant to no avail, and they will not or have not provided an itemized breakdown of the charges. While on the phone the agent made several attempts to reach the merchant, and they are unresponsive and are not cooperating. The agent still would not reopen my case and said I needed to submit it in writing and restate everything that occurred on the phone which should be documented on my account.
Consumer complaint received 2022-04-25
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: JPMORGAN CHASE & CO. (TX)

Hello, I submitted a complaint a few months ago and this is a part of that same complaint. 

I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card immediately. 

On that same day, XX/XX/XXXX at XXXX XXXX and after I had disputed the charges and asked for a new card 5 hours earlier that day, there was a new charge to my now old and frauded card of XXXX {$1300.00}. For some reason, it later became {$900.00}. 

Chase bank was aware that this was also part of the same fraud because it was done on the same, old and frauded card that was already cancelled. This was communicated to their team several times over the phone. They even asked for an email from XXXX confirming this. I was able to get confirmation from XXXX that I do not exist in their records. More importantly, have never used their services. 

When submitting my prior CFPB, my main focus was the {$7700.00}. As CHASE was aware, had proof and made logical sense that these were together ( purchase after cancellation ), I did not address this topic here. 

Thanks to you, Chase agreed to pay the {$7700.00}. Now again, they have posted {$900.00} from XXXX. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (OR)

I received an email regarding updated policy from Affirm on XX/XX/22. I immediately contacted them and informed them I do not have an account and should not be receiving these emails. I spoke with XXXX, the supervisor who said that they did have an account for me. I requested they close it because it was fraudulent. They then asked for my social security number and I refused to give it to them on the basis that I never gave it to them in the first place and there are other ways to identify who I am ; the request was fishy and sounded like a scam especially when XXXX asked for my email as if Affirm didn't have it ( how else would I receive emails from them? ) I was told I would receive an email within 3-5 business days with instructions to close the account- they refused to close it once I said I would not give them my social security number. I never received anything. I reported them to the FTC on XX/XX/22 because the interaction made me really uncomfortable and I think it's a scam. I contacted them again XX/XX/22. I received a response from XXXX who apologized for the delay in response and promised I would hear from someone within the week. I haven't had any response from the company at all. I have never signed up for affirm. I have never given permission to open an account and if that occurred it was done through subterfuge from Affirm or another fraudulent occurrence from someone else. As I understand it, after looking into it Affirm is like After pay - you can purchase on credit and pay back in installments later. I only have a XXXX account not an Affirm account.
Consumer complaint received 2022-09-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT WILLIAMS AND FUDGE XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : XXXX I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Sincerely, XXXX XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

My account was compromised! Wells fargo is treating me as if im the person in the wrong! Ive been banking with them for years. They had me open a new account told me my rent will still be paid which was a lie!!! This bank is a big joke and dont value their customers
Consumer complaint received 2022-09-22
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: BARCLAYS BANK DELAWARE (AL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-28
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: Possible Financial Inc (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-22
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: CITIBANK, N.A. (NY)

I reached out to CitiBank in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with XXXX numerous times and they continue to verify it as accurate however upon reaching out to Citibank, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to Citibank and requested proof of ownership of this account, however Citibank was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly XXXX  because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted Citibank numerous times and they refuse to remove this account from my XXXX credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Consumer complaint received 2022-08-28
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)

EQUIFAX credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of EQUIFAX not responding EQUIFAX has said that these debts which are FRAUDULENT have been verified as accurate. EQUIFAX has violated my privacy rights EQUIFAX DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant EQUIFAX permission to add these items to credit file. EQUIFAX has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed by an XXXX XXXX XXXX on I sent a {$200.00} deposit on XXXX through my Chase online banking XX/XX/2022 and another deposit of {$150.00} on XX/XX/2022 I received the information on my travel and everything. On XX/XX/2022 I paid the whole thing off ( I sent {$550.00} ) after I sent the payment the place where I booked said the funds were reversed and when I contact the travel agent the never responded I even requested the {$900.00} back on XXXX and nothing happened. I called Chase fraud department and Im unable to get my money back.
Consumer complaint received 2022-09-22
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: MARINER FINANCE, LLC (TX)

I had my identity stolen, this account was opened fraudulently. I have never lived at address on file. I have lived at the same address almost 40 years. I have supplied the company a FTC report and police report and they have not taken account off credit report like they said they would