davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CO)

I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX   and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.
Consumer complaint received 2022-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc. (CA)

XXXX had a security breach in witch my personal info has been out. Someone has been using my SSN to attempt to open credit cards and bank accounts. I have had my credit files locked and a security freeze placed on all three coedit burros Transform XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Address identification number XXXX They have issued credit to someone using my SSN with out doing a credit check and will not answer the phone. What appears to be Transform, has text me asking for peroneal information after I left them a message. This is suspicious to me. They will not call me or answer the phone.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 at around XXXX I offered my social security number to my family members in order to finance their furniture at the Ashley Home Furniture store in XXXX New Jersey XXXX When giving my personal details to the sales associate XXXX XXXX, I specifically asked her if what I was signing up for was a credit card but she lied to me and said no it was just a reloadable gift card. Today, XX/XX/2022, I received an email stating that my new Ashley Home Furniture credit card was available to use. I reached out to the bank that issued it, Syncrony Bank and immediately canceled it. I reached out to the Ashley Home Furniture store manager and she did not even try to rectify her employees mistake and said that everyone knows that the card is a credit card and not a gift card.
Consumer complaint received 2018-11-18
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. (IL)

I was sending Equifax my documents, police reports since XXXX of this year and they have not removed it off my credit report. The account is '' XXXX XXXX  '' and it says I owe {$560.00}. Now I keep calling Equifax and they just keep making me jump through hoops repeating themselves always making me send them the same document.. I'm the victim!! but they are not helping me. And I can barely understand the person on the phone because they can barely speak English. it's irritating!
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (PA)

Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. 

I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (NY)

In accordance with Fair Credit Reporting and 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 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Reference : XXXX We issued the captioned complaint against Chase who has engaged in a widespread practice to solicit credits cards, open credit card accounts, collect fees, then close the accounts without disclosing the reasons and keeping the fees. It is hard to understand why this is not a national level financial scam. I submitted one of  the many articles I found from around the country complaining about this. 

We issued the complaint. As far as we can tell, Chase did not respond meaningfully other than to say the account will remain closed and to not mention the fee. You responded by accepting Chase 's word without question and closing the complaint without discussing this with us. 

The fact remains that Chase has engaged in this financial scam on a national level and yet this agency has done nothing. As a minimum, Chase should : 1. Nationally announce it engaged in this deceptive practice.

2. Nationally announce it will no longer do so.

3. Unilaterally refund the fees to everyone it has collected from under this scam, plus interest and a 100 % inconvenience fee.

4. Pay triple damages to the US government to fund this consumer organization.

5. Not close this complaint until Chase has completed these requirements.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SD)

I was reviewing my account and noticed some charges coming out of the account. I tried to dispute them and saw it wouldn't allow me to pull those up. I did some XXXX  and see that the funds were taken to be put into another account that my name was associated with for my ex-husband that I was informed I was removed off of many months ago. Due to this I am now out almost XXXX dollars and am absolutely disgusted that nothing was said to me before this action was taken. How very deceptive and sneaky of a company to do something like this to a customer of over 10 years.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/21 my HR department reported to me a false unemployment claim has been filed using my credentials. I reported the fraud and was told to freeze all my credit reports. It worked find for XXXX  and XXXX. However, for 4 days now I have not been able to reach Equifax, despite repeated attempts to login, I kept being referred to their Customer Care phone number ( XXXX ) and others. During my last attempt, instead of waiting until they hung up, I opted to have them call me back. After several business hours I was never called back. Needless to say, I'm very concerned and find this unacceptable behavior and service from Equifax.
Consumer complaint received 2020-11-03
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. (IL)

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with equifax. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, equifax, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Between XX/XX/2018 and XX/XX/2018, your RECEIVABLE collections account was removed from your credit report. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc. (AZ)

I reviewed my credit and saw 3 derogatory remarks from the same company for debts I had paid in full, there were no settlement amounts, the debts were paid in full. After contacting the company I was unable to contact a supervisor and I was denied the opportunity to clarify why the negative remarks had not been removed. The derogative remarks were posted two months after I had paid the debts via automatic bank drafts. the amounts were as follows : {$120.00} {$180.00} {$170.00}
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Sent from XXXX XXXX on XXXX On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote XXXX Good Morning, I sent this to my accounting department on Wednesday and this is what they advised. 



In XXXX of XXXX we ( XXXX ) refunded the charge. Prior to this, in XXXX, you already had a chargeback process going between your credit card company and XXXX. During that time frame you received the refund from us directly. 



The charge that appears on the attachment is that further review from the credit company and evidence that they must've of investigated turned their decision against the credit card holder. You would need to speak to your bank directly, as we are unable to refund again since it was already processed on our end. 



Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX | FX XXXX Open 24 hours a day, 7 days a week. 







From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Fraudulent charges I have already disputed and proven that this was not me. Can you please take it off my charge account again. Sincerely, XXXX XXXX Sent from XXXX XXXX on XXXX Caution : Sender is from outside XXXX XXXX XXXX. Take caution before opening links/attachments or replying with sensitive data. If suspicious, forward to XXXX XXXX  Account ... XXXX {$500.00} 31 % ( + ) {$25.00} {$500.00} {$25.00} + ) {$500.00} {$1100.00} XXXX points XXXX XXXX Friday XXXX XX/XX/XXXX Thursday, XX/XX/XXXX XXXX NV XXXX TRAVEL AGENCIES PURCHASED BY TRANSACTION DATE POST DATE MERCHANT LOCATION* MERCHANT CATEGORY Dispute Charge
Consumer complaint received 2020-12-04
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. (FL)

Attached are documents which show that several payments were made in the month of XXXX XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, Equifax and XX/XX/XXXX The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

I opened an account with Citi using the promotional code XXXX on XX/XX/20. I met the requirement to deposit {$15000.00} into the account within 30 days, and maintained that amount for the required 60 days. Citi has not credited my account the {$400.00} promotional amount within the terms specified in the sign up bonus terms, and when I inquired they stated I needed to have opened a second account and link it to qualify. I met all conditions of the sign-up bonus ( deposit {$15000.00}, do so within 30 days, and maintain that balance for 60 days ), which they agree that I did. As such, I would ask they be made to honor their end of the bargain, as I have left my money tied up with them for essentially no interest with the understanding I would be earning {$400.00} for signing up for the account.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

Through PayPal I received a payment and initialized transfer to bank. Their standard procedure is up to 72 hours for review. After 72 hours they sent an email saying the payment was going into my bank account. Instead of sending to my bank account they moved it back into the PayPal. I had to re-request it to be sent to my bank account and wait another 72 hours ( in which they will keep this cycle going ). This is at least my 5th time dealing with PayPal with a similar issue across two accounts, one of which they held my money for 180 days. Calling customer service to talk to a representative takes hours, with the majority of the time them disconnecting the call or transferring you then disconnecting you. The absolute worst company I have ever dealt with and I am beyond tired of them holding people 's money like ransom so they can gain interest on it.
Consumer complaint received 2021-03-30
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 (MO)

XXXX reported my Wells Fargo DealerXX/XX/XXXX account with a balance. It is paid in full. They also show no data of payments made XXXX through XX/XX/2020. Prior to my dispute with XXXX it shows my payment history I made monthly payments through the no data they reported now. Ive made my monthly payments and paid account off early.
Consumer complaint received 2018-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

XXXX / Synchrony Bank does not honor billing address in an order 's final details for purchases made online through XXXX. They do not confirm that emails are sent to the correct email address for the person name listed on a purchase final order details. As a result, i had a debt and credit card that i was unaware of go to collections and it has damaged my credit score. They made no attempts to reach me by phone, reach me by either shipping or billing address before sending this to collections. No parties involved have been willing to help me resolve this in a correct and fair manner.
Consumer complaint received 2021-03-29
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. (PA)

Equifax has a charge off on my report for a XXXX XXXX. They are debt collectors and I never heard of them. They called me once, I demanded validation of the debt, and never heard from them again. Found the charge off when I was denied a mortgage. Filed an Identity Theft report with the FTC, XXXX, and notified the credit bureaus. Equifax is the only one who refuses to remove it- dont know why as they wont say. It isnt me, and Equifax has wrong addresses on me in its file too. 

Equifax needs to remove this bogus trade, one!
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Resurgent/LVNV Funding is attempting to collect a debt from me that is not mine and the information and address they have on file is not mine. The debt was disputed and deleted by XXXX credit bureau on XX/XX/2022. However, the debt is still on my XXXX credit report and the debt collector is harassing me with emails.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (NY)

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


U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX/DEPT OF ED 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 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I disputed inaccurate information that was on my credit Report with XXXX and Exqiufax almost two months ago with XXXX XXXX Account # XXXX Late payments that was incorrect Eqiufax gave them 30 days to respond and they don't so Equifax send me paper work that it was verified that I had No late payments so, Two weeks later Equifax Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact XXXX and Equifax.Thanks
Consumer complaint received 2021-03-30
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: Credit Karma (FL)

Credit Karma XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I have been a victim of identity theft twice I have been through the ringer with equifax They have not obliged to anything I have mailed including two police reports five times very secure yet pertinent information because they will not talk to me over the phone and I can not log in online because of a security question I am answering wrong They had my birthday incorrect in which I fixed and I am trying to get them to remove a consumer statement that makes me look like an idiot because it makes no sense at all I never requested this to be on my report as well I never requested a security freeze for seven years They are taking this way too lightly The other companies and I have come to agreement and they still will not fix anything on my report I have paid about XXXX in mailings to them and the other companies and now most of the companies listed are the companies that bought out fraudulent accounts and the original accounts are no where to be found yet they still will not work with me and Im at my wits end The need to remove all hard inquiries the consumer statement that I did not write and all of the other garbage on there that XXXX and XXXX  have taken care of a long long time ago and this is effecting my credit and I need them to be on the same page as me. Enough is enough I am so sick of mailing them because I can not log in or speak to them I need help. Please for the last time they need to contact me instead of just letting my information fester incorrectly since 2015. 

Please advise and thank you