davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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: JPMORGAN CHASE & CO. (NY)

I recently applied for and was approved ( XX/XX/2020 XXXX for an Amazon XXXX Rewards Visa Signature Card ( black color ) issued by JP Morgan Chase Bank. The card was sent in the mail to me, I activated it and created an online account with Chase to manage the card. The physical card is a BLACK color and the online account also showed a visual representation of the card as a BLACK. 

About 10 days later or thereabout, I received an email saying congratulations on being approved for a Amazon Rewards Visa Signature Card ( blue color ). It had the same exact 16-digit card number as the black card in my possession. I thought this was strange. I logged into my online account with Chase and I see that the visual representation of the card was changed from BLACK and is now BLUE. This meant my card was changed from an Amazon XXXX card ( with 5 % cashback rewards ) and relegated or reduced down to a regular Amazon card ( with 3 % cashback rewards ). Thi is NOT what I approved and got approved for. 

I contacted Chase Bank a NUMBER of times and I'm getting double-talk responses back that didn't address the issue of why my account card status was changed. The Chase Bank representatives suggested that maybe my Amazon account was not a XXXX account which it is and has been for 2+ years ) and therefore my card was reduced in status. 

I still have no resolution almost 2 months later now which has forced me to file this complaint. I request and want my account brought back up to Amazon XXXX Rewards Visa Signature Card status ( with 5 % cashback rewards ) because the rewards percentage difference I am being cheated out of is substantial. 

I have attached 3 image files to this complaint showing : ( 1 ) The Amazon XXXX Rewards Visa Signature Card ( black ) in my posession ( 2 ) A screenshot of my valid Amazon XXXX Membership ( 3 ) Corresponce from Chase Card Services that did NOT help resolve my situation Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I will like to file a complaint against TransUnion credit reporting agency with CFPB to investigate I have a issue with Transunion credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXX XXXX XXXX, Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXXXXXX XXXX XXXXXXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, XXXX Account XXXX XXXX  Account # XXXX inaccurate and wrong information and us bankruptcy XXXX  XXXX XXXX, and Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately.
Consumer complaint received 2020-08-07
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. (IL)

I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given.
Consumer complaint received 2023-07-25
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. (IN)

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX  XXXX 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 XXXX AND XXXX 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. 

XXXX  XXXX 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 2020-08-07
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: Nelnet, Inc. (MI)

For the past several years I have had excellent repayment status on all of my credit reports for Nelnet and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from Nelnet and most notably the Department of Education. I have many examples from my XXXX  credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! Nelnet and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am contacting you regarding a charged-off account that has been previously investigated due to discrepancies in the reported balance across the three credit bureaus. While XXXX has removed this account, it remains on my report with Experian and XXXX, with differing balances. 

Since XXXX found reason to delete the account, I am requesting that you review and remove this account from my report as well. If it can not be verified and resolved consistently across all bureaus, please remove it from my file to reflect accurate and fair information. 

XXXX XXXX XXXX XXXX : {$450.00} EXPERIAN : {$450.00} XXXX : {$0.00} Thank you for your attention to this matter.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (FL)

hello on date XX/XX/ I took out a vehicle with financing for the value of {$15000.00} giving at the same time a Down payment for the value of {$5000.00} keeping the balance {$10000.00}, this balance was financed through the company ( Exeter Finance ) at 72 months paying a monthly fee {$300.00} My problem is that I have already made 17 payments, that is, a year and 5 months yes we calculate 17 months for the value of XXXX with XXXX gives me the value of the sum XXXX {$300.00} = {$5100.00}, ( I have proof receipts ) and here is the problem that I still owe them the value of {$9900.00} of that 17 payments which made only this amount of principal have gone {$630.00} and the rest of the money for the interest on the car, even so, 17 months after taking it out and paying monthly, I owe the balance of {$9900.00} It is unfair to me that of so much money that I have paid, only a small thing has gone to the Principal. I hope that you help me because I am paying for something that I will never finish paying.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Formal Dispute of Inaccurate Collection on my Credit Report : ( XXXX XXXX XXXXXXXX ) Request for Deletion. I am writing to formally dispute an inaccurate collection which is XXXX XXXX XXXX appearing on my credit report. I respectfully request your assistance in investigating and removing this erroneous collection account under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The account in question is as follows : XXXX XXXX XXXXXXXX. 
1. Failure to Validate the Debt : According to 15 U.S.C. 1692g ( b ), I requested validation of this debt within thirty days of receiving notice. However, the collection agency has failed to provide sufficient evidence that I owe this debt, such as the original contract or proper documentation proving my liability. Without proper validation, the debt should not be reported on my credit report.

2. Reporting of Inaccurate Information : Under the FCRA, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The collection agency has reported erroneous or unverifiable information, which is damaging to my credit score. I am entitled to have this negative information removed if it can not be verified or proven accurate within thirty days of your investigation. 
3. Potential Statute of Limitations Violation : The alleged debt may be outside the statute of limitations for legal collections under California law. If this is the case, the continued reporting of this debt may be considered misleading, unfair, and a violation of the FDCPA ( 15 U.S.C. 1692e ( 5 ) ), as it could be seen as a threat of legal action that can not be legally pursued.

Requested Action Pursuant to the FCRA and FDCPA, I kindly request the following : 1. A full investigation into this matter, in line with FCRA guidelines, to verify the legitimacy of this collection account.

2. Deletion of the collection account from my credit report if the debt can not be verified or is found to be inaccurate.

3. Written confirmation of the removal of the collection from my credit report. 
Please provide a response within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (TX)

XX/XX/XXXX I opened a new Apple Card issued by Goldman Sachs. The new card offer includes a {$50.00} promotion. To get the {$50.00}, the cardholder is required to purchase an Apple service of any amount. I was not given the {$50.00} and the resolution I am seeking is to get the {$50.00} promotion. 

I tried to purchase Apple Music {$4.00} with my Apple Card to satisfy the requirement. However, the Apple payment system requires that I use my gift card balance in my account first ( I had over {$40.00} at that time ) and is not giving me the option to pay with my Apple Card.

I contacted Goldman Sachs multiple times and emailed them 2 receipts ( Apple Music Purchase and an App purchase ) to prove that I did make the purchases but because of the Apple system setup there is no way I could pay for it with my Apple card issued by Goldman Sachs. They told me they will not give me the {$50.00} promotion because I did not use my card to purchase an Apple service. I explained many times over that I wanted to but the system wont let me. This is well documented on my account. I spoke with customer service representatives, 3 supervisors ( XXXX, XXXX, XXXX XXXX ) and finally a manager named XXXX who did not want to give me his last name and who also told me there is NO ONE else he can escalate my issue to. XXXX told me that I just have to use up all my gift card balance so I can then use the Apple Card to pay for an Apple service and therefore meet the requirement. I asked him why would I spend all my gift card balance, purchase Apple  services I do not need only to get {$50.00}? So his solution is for me waste my $ XXXX+ personal gift card balance on services I dont need to get the {$50.00} promotion. 

I also called Apple itself to see if they can help me since it is their payment system thats not giving me the option to pay with the Apple Card. I called XXXX and the representative XXXX opened a case # XXXX. The purpose of the case is to have someone call me back from the Apple Promotional Team per a XXXX. No one called me back. When I called back, I spoke with another rep and supervisor. Both confirmed that Apple requires that gift card balances should be used first before buyer can use a credit card payment. The supervisor told me that there is no promotional team who can help me and Apple cant help me and the only way is for me to spend all the money in the gift card balance ( {$43.00} as of XX/XX/XXXX ) so I can then use my Apple Card and meet the {$50.00} promotion requirement. 

Please help me get the {$50.00} promotion I deserve.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be 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. XXXX XXXX TRANSUNION 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am trying to buy a house for me and my family and these accounts are hindering. Can you please remove them. I have already contacted FTC
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MS)

XX/XX/XXXX I added {$500.00} at XXXX XXXX to my chime credit card. Not long after I tried to use it again at the corner store for {$2.00} and change and it declined. I tried to tap, same thing. I tried to pen my app and found my account closed. I called and they said they chose to close it and can not give me any information about my account closure. I need my {$1200.00} please.