davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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)

Back in the year XXXX, I applied for a US federal student grant to attend XXXX XXXXXXXX College. I did receive the financial aid funds! 9 years later in XXXX I receive a letter stating that I owe XXXX XXXX XXXX XXXX {$1100.00}. I was confused and started to analyze the reason behind it. In the mean time XXXX XXXX XXXX   unfairly reported to credit bureaus as if I am not paying back my student loan. Eventually I have sorted out the problem with the XXXX XXXX XXXX XXXX and contacted to 3 credit bureaus to delete the negative report from my credit file. XXXX and XXXX cleared the negative report instantly except this company called Equifax. It has been a year that I am dealing with this matter with this company. I have filled a dispute online, spoke with them over the phone and nothing seems to work. I keep getting customer service people from overseas and they do not understand the difference from a student loan or a grant! I am fed up and looking for an alternate solution THANKING YOU IN ADVANCE XXXX XXXX
Consumer complaint received 2018-10-31
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. (DC)

I have previously sent my FTC Identity Theft Report to Equifax on XX/XX/2018 to block a fraudulent account reporting on my credit file. Equifax outright refused to block the fraudulent account stating that their company policy is to violate US Federal Law by opening an investigation instead of blocking within 4 business days as required, and I have requested the help of the CFPB to make sure Equifax complies with US Federal Law ... the FCRA statute is very clear as to what Equifax must do to comply. IF I HAVE AN FTC IDENTITY THEFT REPORT, EQUIFAX MUST HONOR MY REQUEST TO BLOCK THIS INFORMATION. I have enclosed my FTC Identity Theft Report, driver license, social security card, proof of residency, and FCRA 605B. I also attach a copy of my Equifax  credit report highlighting the fraudulent account that is the result of identity theft and does not relate to any activity I engaged in or authorized or benefited!
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (VA)

My credit report has been impacted by negative information reported by the credit company ( Comenity ). I contacted Comenity to advise of past unemployment and opportunities for their hardship program. XXXX transferred my call to three different representatives. She advised my account met hardship guidelines. Once, I was able to get in touch with the hardship department. I was placed on hold for twenty minutes to verify my eligibility and process the request. Their system malfunctioned and the representative wasn't able to finalize the hardship request. I recorded the entire incident due to prior negative experiences. I refuse to continue to wait and be affected by Comenity 's lack of accountability and inefficiency. I need mediation with respect to this matter.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

I had a loan through Affirm/ XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and Affirm is listed negatively. The loan has been satisfied and I have been in constant communication with Affirm/ XXXX XXXX. I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.
Consumer complaint received 2022-08-01
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX 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 2018-10-31
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've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX  XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have contacted equifax and have advised them that I am a victim of identity theft and have sent over a police report for the ongoing investigation involving XXXX XXXX sheriff 's office and atleast 1 person in question as a suspect in taking out loans and other debt in my name without my authorization. The debt from XXXX energy is a result of identity theft and does not belong to me I have contacted the company and have not gotten a response from this company with any evidence other than a itemized bill that could substantiate that this debt indeed belongs to me.
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Hello, I leased a car through XXXX on XX/XX/XXXX. Since that date, I have been in Contact with Santander, which is the company I leased the car through. Due to my contract being null and void, I have tried contacting Santander through mail and stating that under law 15 usc 1605 ( 5 ) I the consumer was supposed to be provided premium insurance, but was asked to provide and show proof of my own insurance. This is illegal because I had a finance charge of XXXX. I also stated that due to law 15usc ( c ) I the consumer would like to cease and desist the alleged debt. When I received no response, I asked that the debt collector provide verification of this debt which is law 15usc 1692g. I sent this on XX/XX/XXXX and have not received a response. Instead my vehicle was repossessed on XX/XX/XXXX.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Office of Edwin B. Parry (UT)

XXXX XXXX filed a motion and received a judgment for debt that was not mine. Debt in question was incurred by ex spouse long after divorce was finalized. Total of {$910.00} was garnished from my wages through employer. This debt shows as " resolved '' on their end, but only because the debt was satisfied, but because the garnished the wages from the wrong person.
Consumer complaint received 2022-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I have a CD that matured as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the banks involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The banks involved included : XXXX, maturity date : XX/XX/XXXX - {$2500.00} XXXX XXXX, maturity date XX/XX/XXXX - {$2700.00} I have official copies of everything. Thank you for your help. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

Signed up for a Hilton Honors American Express card in late XX/XX/XXXX. The card was suppose to have 0 APR for 12 months. They have charged me interest from day one. I made two large purchases totaling around {$9300.00}. I started calling Amex around XX/XX/XXXX to correct the problem. I faxed them copies of the brochure with the proof of the offer and they have refused to honor it. They are charging me over 22 % interest which has amounted to over {$560.00} in three months. I have been calling them ( 10-15 times ) trying to resolve the problem, with no resolution. I have been making minimum payment each to satisfy their requirements Can you help? I have been a customer with Amex since XXXX and they don't seem to care.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I was informed by Chase bank that I had transactions out of state for an unusual amount. I noticed someone had purchased more than {$1500.00} in Florida, which I have proven I wasn't in and an ATM withdrawal. The gentleman who spoke with me told me that my account would be locked and a new debit card would be sent to me. The following morning I followed up with Chase and I was told my claim was never filed. 

After time for Chase to review my claim that I disputed the charges, I received a letter from them telling me they found the charges to be valid and they would remain on my account. I immediately called Chase and asked them what I would need to prove I did not make these charges. 

I was told any supporting documents could help. So I had my employer sign a letter affirming I was in Arizona never Florida. Also my bank statement proving I was in Arizona. 

Just today the XXXX I received another letter from Chase denying my claim. I spoke with XXXX in the claims department, he informed me that the bank found evidence that my PIN was used in Florida. I told Chase from the start that I never share my PIN with anyone and my card was in my possession the entire time. 

I have been robbed of more than {$1500.00}. I am unable to keep living paycheck to paycheck. I know my card information was stolen and Chase still insists I am responsible. I expect a refund of the money stolen from me as soon as possible. I will fight this forever if I have to, I know Chase is wrong, I am the victim of fraud and I want this matter resolved asap.
Consumer complaint received 2021-03-23
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: Conn's, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-10-31
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. (VA)

I contacted the Bankruptcy court about a bankruptcy thats showing on my credit report, that shouldnt be.. The clerk stated that they do not report to any of the Credit Bureaus or third parties. I disputed this with Equifax and they keep stated that it is reporting correctly, but have yet to provide the name and information of who they received this first hand knowledge from, to show that it is 100 % accurate.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XX/XX/2022, I sent a validation letter to Portfolio Recovery Associates , LLC to validate the collection. Instead, they placed my information on my credit report. I called XXXX XXXX to see if I can obtain my original contract, but they told me that they have sold everything to Portfolio Recovery Associates , LLC. The information that the XXXX  XXXX agent gave me on the amount of the debt is different from Portfolio Recovery Associates , LLC. So was the date that it first open.
Consumer complaint received 2018-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX   Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX ( Capital One ) has violated my rights, 2017. 

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 payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase bank notified us that it will close all our savings and credit card accounts, in fact I closed my personal and business credit card, we go to the bank for an explanation and at the bank branch they told us that they don't know the reasons, we waited for a call for 7 days and yesterday they called us and they say they don't know the reasons either. No one can tell us the reasons and they do not give the possibility that it is an error, we requested the report from XXXX and the accounts with Chases did not appear in the report, we are desperate, we do not know what we can do.