davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2021-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

I had a bankruptcy that was recently removed from my credit history. While my credit ratings with two agencies went up slightly, my credit rating with EQUIFAX FELL by 79 points in one day. The web site indicates that the ONLY CHANGE to my credit report was the removal of this bankruptcy. I have tried to contact them and have been unable to get an answer as to why this has happened. This could seriously damage my ability to obtain a mortgage and I believe that it is an error.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (TX)

I bought this time share XX/XX/XXXX, paid 1 payment then couldn't use the facility or any other facility. I called the time share company up & said I don't want to buy this type of a scam & never paid on it again. Since XX/XX/XXXX my credit report is showing my high credit amount is {$490.00}, my last payment was XX/XX/XXXX, my balance owed is {$15000.00} noting " reclaim colltrl to settle dflt mtg ''. The only thing that may be correct is {$490.00} I paid. I should owe that company nothing because i received nothing for what they promised. This is a scam & they should not be allowed to be in business. I've called the company many times, they refuse to remove anything from my credit report.
Consumer complaint received 2021-01-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (FL)

On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and XXXX XXXX improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from XXXX XXXX, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the Plaza Services, LLC, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, Plaza Services, LLC has purchased the so-called XXXX XXXX loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, Plaza Services , LLC .
Consumer complaint received 2020-05-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

my credit report with Experian has dropped 10 points, from yesterday. Nothing has occurred in my accounts except paying them off. I filed a previous report and I think this is retaliation. My credit score is extremely important to me and for it to change without any differences from yesterday. My score yesterday was XXXX as of today it is XXXX.
Consumer complaint received 2022-12-30
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (UT)

I have reached out this Debt Collecting Company by the name of IC Systems.

I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I have spoken to Two separate representatives and also Two supervisors that were on duty at that time. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if ic systems are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX XXXX not only is my father named XXXX XXXX I also have 2 uncles and a cousin named XXXX XXXX It appears the bureaus have merged my information with someone else because I have incurred debt that I know nothing about. I have sent them copied of my DL social security card- but the debts and unknown accounts still remain
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc (NC)

Ill be contacting the FBI. Yesterday I received a letter from a collection agency Synergetic communication, inc stating that I owe {$1100.00} to XXXX XXXX for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

The last complaint Ive made Westlake financial responded in XX/XX/XXXX to the CFPB with a letters that I will be attaching and said that they will contact XXXX to have the repossession remark remove off my credit report because its been over seven years from the time of the repossession the repossession date is XX/XX/XXXX and it is now XXXX XXXXThe account still appears on my credit report as a repossession. I have contacted XXXX and Westlake financial on numerous occasions after they said they would have this account removed off my report because it still appears and nobody is doing anything about it. I have been denied two different times by the dealerships because they still see a repossession on my credit report which is over 7 years old, which is a violation of my rights.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: California Accounts Service (CA)

On XX/XX/19 California Account Services located at : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX  ( XXXX ) XXXX was served with a cease & desist letter, disputing the validity of the debt under terms and conditions of the FDCPA and informing them that I would deal with the original creditor directly. Since then, they have repeatedly reported this as a valid debt to credit bureaus and specifically to XXXX.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

I have been with the NFCU for over 6 years now. I have 2 credit cards, 1 saving and checking accounts and a line of credit. I have always made my payments with no issue, I never been 30 days late on my payments. 

On XX/XX/2019, I had XXXX and I was forced to be on medical leave for so long and so I was out of work but I was able to continue my payment with no issue until XXXX. When I realized it would be difficult to make payments, I called all my creditors including NFCU if they can do something. They came back and said no I do not qualify for any help because I do not have enough income ( even though XXXX XXXX was able to help ) but instead, they offered to extend my due date to few months and as the deadline approached and I was still out on medical leave, I called to get another extension on all 3 accounts : 2 credit cards and the line of credit. Ultimately, I went back to work and in XXXX I was able to make large payments on all my 3 accounts. 

I have 3 big issues with the way NFCU treated me. For a bank that always claims to be there for the vet and their family, I think it is immoral the way they treated me. I just come to find out that, even though they said they have given me an extension on my payments, they reported all these payments as late payment on all 3 credit bureau with some of them going as high as 90 days late. This is not Ok specially in these difficult times. This is NOT helping the vet and their family. My credit score has suffered badly as a result of 7 late payment NFCU put on my credits even though I had the extension. They also suspend and cancel my line of credit. How can you people be so cruel. You don't even help like the other bank did. 

Also, I do not agree with the interest charged on my credit card ending XXXX. How can you charge me {$270.00} interest on purchase when I paid $ XXXX on XX/XX/XXXX before my cycle close on XX/XX/XXXX? keep in mind that when my previous balance was {$22000.00}, the interest was charged was {$280.00}. How is it that with more that half that balance ( $ XXXX ) I still pay almost the same interest even though my payment was done before the cycle close. I have the same issue with my line of credit and my other credit card. 




Of all the banks, NFCU is the one I would expect not to be mean to their customer but you guys were of no assistance in the time of need. I was out on medical leave for XXXX XXXX  XXXX but yall did not help like other did but you destroyed my credit and charged me funny interest. I am sending this same letter to CFPB.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (MI)

I have disputed XXXX XXXX XXXX card for 2 yrs with Experian, XXXX and XXXX because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MS)

XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to JP Morgan Chase dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to JP Morgan Chase Auto on XXXX, XXXX for {$720.00} and cleared Chase Auto on XXXX XXXX. Chase denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with Chase and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say JP Morgan has tremendously affected my credit score due to their inaccurate bookkeeping. JP Morgan has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with Chase. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.
Consumer complaint received 2020-05-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (NY)

Discover Student Loans is ceasing disaster relief options for private student loans mid-pandemic with no other options available starting XX/XX/XXXX. Shame on them! Please help spread the word as they are unwilling to offer any help. I am XXXX  and now unemployed due to the pandemic. I haven't received any UI or a stimulus check or was able to qualify for a SBA but they insist on charging me interest on my loan which will be about $ XXXX per month and will decimate my credit standing and drag me into further debt. I have had this loan for 13 years and am in exceptional payment standing. They are still unwilling to offer any relief options.
Consumer complaint received 2023-02-11
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)

CAPITAL ONE Reported : XXXX XXXX, 2020 {$0.00} Closed + In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-05-12
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. (MO)

Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MO)

Back in XX/XX/2015 I signed a loan modification agreement with XXXX   XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to Seterus. Seterus did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and Seterus reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement.

I have provided this documentation to Seterus ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

My credit card is from Lowes now thiis card belongs to Synchrony Bank now I can not see my Statement on line, only uf I sign agreement paper less, it seems to me that does not correspond please see it this unlaws. 
Thank you
Consumer complaint received 2021-11-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX there were XXXX fraudulent ACH transactions from my Chase savings account for a total amount of {$14000.00}. I did not receive any notifications from Chase about these events so I noticed it only a few weeks later. On XX/XX/XXXX I filed the claim stating that I have nothing to do with the business that pulled my money from my savings account and I never authorized these transactions. On XX/XX/XXXX Chase mysavingsaccount was credited with the full amount. On XX/XX/XXXX the decisionwas reversed and my savings account was debited with {$14000.00}. Chase unilaterally decided that I cooperated with the criminals and did not return my money. I spoke to the Claim department, and the customer service representatives XXXX times for XXXX hours total. Chase refused to explain why the decision was to not to give me my money back. Every conversation with Chase resulted in their recommendation to call the company that pulled my money from my savings account and ask them to return it. Case failed to perform it's part of our contract and recommended me to call the thief as a solution! I am devastated. I can't sleep, can't focus, can't work, I cry all the time. How after 18 years of being a Chase customer I was betrayed like that? As a measure to prevent further fraudulent activity Chase closed my old savings account and opened a new one on XX/XX/XXXX. Now all statements, letters, documents including the claim that I filled up are not available for me to view and print out as the old savings account disappeared from my Chase online profile. Chase refused to provide copies of any documents except transaction history that shows fraudulent ACH transactions.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Summary : I booked a flight using Wells Fargo reward points on XXXX XXXX. When I canceled the flight XXXX said I should get a refund from Wells Fargo, and I never did. 

What happened : XX/XX/XXXX I booked a flight using XXXX Wells Fargo points for a ticket worth {$130.00} on XXXX XXXX. 
Confirmation # XXXX and ticket number # XXXX. 

XX/XX/XXXX I canceled my XXXX flight XXXX On cancellation screen it said funds are held by travel manager, and that any travel funds will only be available through the travel manager. 
- See screenshot XX/XX/XXXX I called Wells Fargo Rewards Dept, agent said there is a future credit with XXXX, and that XXXX will send me email. Such email was never received. 

XX/XX/XXXX I called Wells Fargo Rewards Dept again. 
Talked to CSR XXXX, she was going to put me in touch with Travel Agent and the call got disconnected Called a second time, talked to CSR XXXX, she connected me to Travel Agent XXXX Travel Agent XXXX was going to put me in touch with a different department to get the refund and the call got disconnected again Called a thrid time, talked to CSR XXXX, she connected me to Travel Agent and got disconnected a fourth time So much time has been wasted from what should have been a simple refund. 


What I would like : I would like Wells Fargo to either refund me XXXX Wells Fargo points or give me {$130.00} statement credit on my Wells Fargo rewards credit card ending in XXXX so I can use it for use for a XXXX flight.