davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NY)

I completed a balance transfer with a 12 month 0 % APR XXXX 

I did not have any other balance on the account at the time of the transfer. 

In XX/XX/XXXX, I received a promotion on new purchases - 0 % for 6 months. 

I used the card to pay my taxes. 

Therefore I had a promotional 0 % balance transfer until XXXX  AND a 0 % transaction on the one and only purchase until XX/XX/XXXX I made a payment in mid XXXX, in the exact amount of the expiring 0 % XXXX  balance. This payment was made via a balance transfer from another card, I didn't know the exact date the transaction would post. 

My impression from the CARD act was that the payments post in a way that advantages the consumer, not the financial institution. 

Instead, this payment posted in the most consumer disadvantageous way. It completely paid off my 0 % XX/XX/XXXX balance. Then the excess paid toward some of the XX/XX/XXXX blanace. 

The justification? At the time the payment posted, both balances were 0 %. Since there was no " higher '' interest rate. The payment was applied towards the oldest unpaid transaction, which occurred in XX/XX/XXXX, and the time of my balance transfer. 

Therefore, because a payment posted a few days before the interest rate increased, I now lost the remaining 5 months of 0 % interest AND immediately have a balance accruing interest. 

This seems completely contrary to the spirit of payments posting in a way that advantages the consumer. 

I spoke to a couple of representatives from the financial institution, and while they were somewhat sympathetic, they did not feel they could alter the way the payment posted or revert the 0 % promotion. They simply said the disclosures indicate this is the order payments post when interest rates are equal. I would argue that just because the disclosure states something will be done, it doesn't mean it is lawful to have a policy that can still intentionally disadvantage the consumer.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

Nelnet has indicated the SAVE repayment plan waives interest so as long as monthly federal student loan payments are made. However, Nelnet 's response did not indicate the interest accrued between XX/XX/2023 until the date my SAVE repayment plan application is processed will be removed/waived. This issue was not addressed in Nelnet 's response. Thus, the letter dated XXXX was informational about the SAVE repayment plan features and apologetic for frustrations regarding the SAVE repayment plan extended processing delay. However, the letter did not address the concern regarding the accrued interest I have no control over. It is assumed at this point I am personally responsible for the financial burden of thousands of U.S. dollars in added interest costs due to Nelnet 's processing delays. Again, like many, many other Nelnet clients I do not see how this fair or acceptable. If Nelnet 's final response either now or after the SAVE application is processed that I am responsible for these fees, it is with 100 % certainty it will be necessary for me to take swift and serious action.
Consumer complaint received 2023-12-19
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: SANTANDER HOLDINGS USA, INC. (FL)

I have recently received a copy of my credit report. The report had an account listed. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 

I am writing this to you in an effort to get this removed. Please delete this information from my credit reports. I have never had an account with Santander company. If someone has opened an account in my name, please close it immediately before further harm is done. 

I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 

This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for XXXX XXXX issued by XXXX XXXXXXXX XXXX was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my Equifax account. 

I had never asked for creation of a XXXX card issued by XXXXXXXX XXXX My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to Equifax and XXXXXXXX XXXX I am disputing the hard inquiry that was done against my credit account. 

On XXXX XXXX XXXX XXXX XXXX told me that it would undo the hard inquiry that was raised against my credit report and would inform Equifax. However, it is currently XXXX XX/XX/XXXX and Equifax has reported that it has not received any kind of communication from XXXXXXXX XXXX. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.
Consumer complaint received 2018-11-29
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: AES/PHEAA (MI)

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for a thorough investigation, no resolution or corrective action has been taken. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

Verizon was offering a special if you opened a Synchrony Bank card, you would receive a discount. Sounded good at the time, however, after a month I decided to cancel the card and continue using. Verizon 's auto pay which I have been using for years. I cancelled the card XX/XX/XXXX. However, the bank keeps charging me even though I have sent them proof from Verizon that the charges have been paid. I have also sent them verification from Verizon that the account is closed. 
I recived another bill today XX/XX/XXXX, they are adding late charges and they are also reporting that these payments are late to all of the Credit Bureaus. I have an excellant credit score, which they are damaging. 
I have also brought this issue to the Attorney General 's Office and the Bank was not willing to resolve this issue. I would like bank to bring the account to zero, I do not owe what they are charging me on a credit card that is closed. They are also charging later fees and interest. 
In addition, I would them to send letters to all the credit bureaus and withdraw their complaint in order to correct the damage they have caused to XXXX credit score.. 
I have been trying to resolve this issue sind XX/XX/XXXX XXXX
Consumer complaint received 2024-02-06
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. (CA)

I have 2 credits cards with Chase. One is open and one was closed on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent a promotional email from Chase to refer people for a credit card and I would receive a referral bonus of XXXX Up Rewards if the person was approved. 

I sent the referral link to someone and that person was approved for a card on XX/XX/XXXX. On XXXX XXXX, XXXX I sent a secure message asking about the referral bonus points. The Chase representative responded that it takes 8 weeks for the bonus points to post to the account. Between XX/XX/XXXX and XX/XX/XXXX I sent 20 secure messages to Chase representatives inquiring the status of my referral bonus points. 

On XX/XX/XXXX I received my paper statement for the credit card that was closed. The statement was sent to a wrong address. I had previously updated my address with Chase, and Chase didn't update my account with the correct account. 

On XXXX XXXX, XXXX I was told that it had been 30 days since my account was closed and I forfeited the points. I never received my statement showing the points because it was sent to the wrong address. Additionally, I was taking steps to get this resolved within a timely timeframe by messaging Chase XXXX times since XX/XX/XXXX. If it would have been resolved, I would have received the bonus points. 

I feel mislead in that this referral email was sent on XXXX XXXX, XXXX, for this account that had been closed on XXXX XXXX, XXXX. If I couldn't get these points after 30 days of account closure, then this was very misleading. Why would I receive this bonus opportunity if I couldn't receive the bonus? I would like my XXXX bonus reward points.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

I applied for the SAVE repayment plan initially on XX/XX/XXXX. Through this application, I was given an estimated monthly payment of {$460.00}. I also received an ecorrespondence from my loan servicer, Edfinancial, on XX/XX/XXXXXXXX  that stated that my student loan repayment amount has changed and my new payment amount is {$280.00} due on XX/XX/XXXX. This letter also stated that my federal student loans have been removed from the SAVE plan and placed on an Alternative repayment plan, stating that they did not receive my complete recertification application and income documentation by the deadline noted in the reminder communications sent to me. Unfortunately, I have searched high and low and can not find proof of any reminder communications sent to me from Edfinancial, including through my personal email, physical mail, or the inbox on the Edfinancial website. The only " reminder '' I could even guess was related to this matter is on my home page of Edfinancial and it states that my " Income-Driven Repayment plan is due to expire on XX/XX/XXXXXXXX  ... '' This date is clearly not a real date?? Also, my current amount due on XX/XX/XXXX is now {$510.00}, which is neither amount that I was told by the SAVE application OR Edfinancial themselves. I also see no indication on Edfinancial that this {$510.00} amount is representative of the SAVE plan. On studentaid.gov, it says that the application that I submitted on XX/XX/XXXXXXXX  was somehow reviewed on XX/XX/XXXXXXXX  by my loan servicer but then the review of the application was completed on XX/XX/XXXXXXXX  which does not make any sense unless Edfinancial can somehow go back in time. I attempted to email/contact Edfinancial several weeks ago about these mismatching monthly payment amounts and I have not heard anything back. I attempted to call them and was told that the estimated wait time was upwards of 900 minutes, which I don't have time to wait for. I also submitted another SAVE plan application earlier today ( XX/XX/XXXXXXXX  ) and was told the same estimated amount of {$460.00}.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-01
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. (GA)

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 informationisinaccurate.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc (NY)

In XXXX of 2023 I placed a deposit for a cosmetic procedure with XXXX. I was told by my physician not to follow through with the procedure because it could result in death/severe injuries. The same day, due to this fact, I requested my refundable deposit back to my CHIME Visa Credit Account which was drawn from my CHIME Checking Account. XXXX refused to refund my account and I later received a call from their corporate office after I made complaints on my popular social media platforms. 

The CHIME VISA Credit dispute was resolved in my favor on XX/XX/2023 with {$1000.00} alleged to be sent back to my CHIME CHECKING ACCOUNT. Chime repeatedly lied and told me the funds were mailed to my address on file and that a password reset link was sent to my email in file so that I could enter my account to access my funds. 

Thirty emails later as well as countless phone calls to Chime have led to the worst customer service, lies and over all refusing of Chime to allow me to access my hard earned funds. 

I suspect racial and ethnic discrimination on Chimes part because the service became worse after I sent copies of my photo ID.
Consumer complaint received 2023-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (NC)

I am writing to file a formal complaint against L J Ross Associates Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, regarding a utilities collection account that I believe has been erroneously reported under my name. This complaint is filed due to the significant financial hardship and distress this situation has caused, including the denial of housing opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Partial for security purposes ] Company : L J Ross Associates Inc .

Incident Description : I have recently become aware of a collection entry on my credit report from L J Ross Associates Inc. for a utilities debt. I dispute the validity of this debt and contend that this collection is either a mistake or a case of mistaken identity. The presence of this collection on my credit report has severely impacted my financial standing, leading to the denial of housing applications, which has in turn caused me considerable distress and hardship. 
Actions Taken : I have attempted to resolve this issue directly with L J Ross Associates Inc. but have not received a satisfactory response or resolution. 
I have not received any prior communication regarding this alleged debt before notifying it on my credit report.
Consumer complaint received 2023-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NY)

I WAS BEHIND IN MY PAYMENTS FOR A NUMBER OF REASONS. XXXX XXXX XXXX XXXX XXXX XXXX THROUGH THE SERVICER, SELENE FINANCE, ONLY OFFERED TO INCREASE MY INTEREST RATE AND DOUBLE MY PAYMENT WHICH I CAN NOT AFFORD AND THEY ARE PROCEEDING WITH THE FORECLOSURE ( C0MMENCED IN XXXXXXXX XXXX  ). WHICH WILL BE SCHEDULED SOON. THEY WOULD NOT EVEN KEEP MY INTEREST RATE THE SAME, LET ALONE REDUCE IT, WOULD NOT CONSIDER EXTENDING MY LOAN TO 40YEARS OR HOLDING ANY PORTION OF MY BALANCE IN ABEYANCE. IT WAS DOUBLE MY PAYMENT FROM ABOUT {$1000.00} TO ABOUT {$2000.00} PER MONTH ) OR NOTHING.