davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Chase has been offering an offer of " spend {$500.00} or more on Chase Travel, get {$100.00} back '' since XX/XX/year>, the last date to redeem the offer is XX/XX/year>. 

I added the offer into my card on XX/XX/XXXX ( confirmed on the secured message with a rep agent, see attachment ), and booked a travel ticket through Chase Travel of {$510.00} on XX/XX/year> ( see attachment ) to redeem the offer. 

However, Chase does not honor the offer and told me that the terms and conditions have not been met without a clear explanation.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand in person visit to trust bank. 
I have problems in XXXX XXXX. 
Lost my bank summary statements to suntrust bank in XXXX XXXX XXXX through XXXX. 
2. I lost my wallet and all contents.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (DE)

I currently have a student loan with climb credit. In XXXX of 2024 I paid a total of {$8000.00} dollars towards a balance of roughly {$10000.00} and was told this would cover my monthly payments going forward as it is a 0 % loan. I have recently been receiving collection calls now where they are saying that actually it only counts towards 3 months, and now my account is past deue with late fees and they apologize for the inconvenience and confusion. 

During these calls, they are also not following proper privacy and verification processes. The person will call me and provide me with a address, phone number, email address and acount name and ask me if this is correct. They should not be providing peoples personal information when doing an outbound call to verify identity. If someone else answers the phone or they dial the wrong number by chance, they could be providing numorous personal identification information to a complete stranger because all you have to do is say yes. This is opening me up to great risk as there is no way for me to confirm if they have done this before and accidentally provided my personal information to a complete stranger.

During a previous call I shared that I wish for them to not do this as this is a great security concern and they have done it multiple times now since. Im no expert on collections and privacy practices but I know for certain this is not an appropriate method and this can not be allowed.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need to attend the following shown items in this letter high contains data taken directly from my credit report which you have provided. 

Delete these unconfirmed inquiries lacking certificate evidence unless fisically certified verified proof is demonstrated per US CODE 15 U.S.C Section 1681 ET SEQ. Section 604 of fair Credit Reporting Act. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IN)

Had opened an Alphaeon credit card through Comenity Capital Bank in XX/XX/year>. The credit limit was {$4200.00}. I've never used it. I logged into my XXXX account to review my credit and found the account has been closed. Never rec 'd notice from this company that it was going to be closed or why. I called the number on the card to get additional information, and a recording told me that my account had been closed and they couldn't provide any information as to why the bank closed it and that they couldn't open back up a closed account. My credit score dropped XXXX points because of this, and I did not even use it. I was planning on using for a XXXX XXXX in XXXX but now I don't have that option. I've been working on my credit score for months and now I'm back to square one. Poor business practices. 
I also have a Caesars Rewards credit card with Comenity Bank. I paid it off and was going to use it while I was in XXXX on vacation. 3 out of every 4 charges was declined. I called 3 times, and they kept saying it was because my payment had not posted when in fact they had.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear XXXX  I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with midland account XXXX XXXX i believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request XXXX result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ Account Number ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-05-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (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 a account without my written instructions
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX, has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an 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 payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Consumer complaint received 2017-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an account with Transunion since  XXXX  where I check my credit. There ar e 4  student loan accounts that I co-signed for my son between  XXXX  -  XXXX  that was closed and written off as bad debt between  XXXX  -  XXXX . At that time I had lost my job and my son could not complete his studies. These accounts are suppose to be removed from my credit report in  XXXX   XXXX . About 3 months ago these accounts were duplicated and appear as open. So each account is on my credit report 2 times. I spoke with Transunion and they said an investigation will be done. One month ago I received a report from Transunion and no changes were made.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Robinson & Hoover (OK)

i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-05-17
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: CITIBANK, N.A. (NJ)

An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a personal loan for 5 years. With the amount of {$20000.00} and it start in XX/XX/XXXX every months was {$510.00} for 60 moths. When Covid happened, Tr banks give an extension for 90 days to not pay. The days were XXXX I come back to do the regular payments but when I start the payments again for 3 months XXXX XXXX XXXX XXXXXX/XX/XXXX the amount of {$510.00} went straight to the interest the balance never went Down. I talk with TD Bank about it, they are dont give me any response about it. I have all the statements. I call I when to the bank no anwers. The personal loan ends XX/XX/XXXX but the give supposedly the 90 day extension. Final pay off it supposed to be. {$510.00} but the ask for amount. Of. {$2300.00}