davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (CA)

I HAVE SENT A LETTER TO DNF ASSOCIATES REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION. 



This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX XXXX XXXX XXXX ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last XXXX digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.
Consumer complaint received 2023-09-15
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. (IL)

Reporting agencies improperly used my personal business without my consent. Transunion, XXXX and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

Was involved in auto accident XX/XX/2016, determined not at fault. third party insurance claim filed and insurance company missed payment to XXXX emergency physicians. Received notice of collection from creditor after settlement. Reached out to insurance company to pay debt which was completed. Company still has not removed debt from their records.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

They close my account for suspicious transactions and they dont tell me wich transaction are they talking about, they said they dont have more information, the money that I have on that account is from my taxes and now they said that my account dont apply with the requirement for a check refund!
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION (SC)

Upon exiting the Forbearance plan, On or around XX/XX/XXXX, representatives from NFCU started contacting me to sign the XXXX XXXX deferral agreement. I applied for the SC Housing assistance grant on XX/XX/XXXX, and each time a representative from the bank would call between XX/XX/XXXX, up until the date I signed the deferral agreement, I explained to them I applied for the SC Housing Assistance grant. Each time they called me, they said if I did not sign the loan modification form my house would go into foreclosure and my credit would have been damaged. 
They sent me the XXXX deferral agreement XXXX or XXXX times before I signed it. When I signed this document, I did not know it would affect my grant. The representatives that contacted me upon exiting the forbearance plan led me to believe the grant would have still been applied to the debt once it got approved. 
On XX/XX/XXXX, I signed the COVID XXXX deferral agreement, On XX/XX/XXXX, I received an approval email from SC Housing for the XXXX, On XXXX XXXX a representative applied the XXXX to the account. When I noticed the amount was incorrect and the balance was still the same, I contacted NFCU, and nobody could tell me the problem. After pursuing the issue non-stop, on XX/XX/XXXX, a representative at NFCU explained the debt could not be paid because I signed a deferral agreement and not a loan modification. 

In addition to that, upon exiting the forbearance program none of the Representatives educated me on Forbearance exiting options. At that time, I submitted a loan to refinance my home and NFCU denied my loans twice. 
XX/XX/XXXX ( XXXX ) - Loan Denial Reason- Excessive Obligation to income. I immediately contacted the Loan Officer, and she explained my XXXX Loan payments were too high. 
After discovering the mistake, I provided proof my XXXX loan payments were not {$700.00} plus dollars, the payment was {$110.00}. 
XX/XX/XXXX ( XXXX ) -Loan Denial Reason-Insufficient Income Due to not being able to refinance my loans or get the assistance I needed, my payments for XXXX and XXXX of XXXX were late. NFCU reported the delinquent payment to the credit agency and my credit score decreased.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Consumer credit Reporting Companies changed their policies after the XXXX Student loan crisis & after the Recession to assist those affected and as a result are committing Mass Class Action XXXX  to a huge group of consumers! ( senior citizens, to point out one of the groups ). They decided to only give people " partial reporting ''.. ( to hide student loan XXXX  ).. but for seniors they're now failing to report XXXX of their purchasing years. They are inaccurately & discriminatorily & dishonestly hiding XXXX XXXX of their HARD EARNED Most Impacted years of credit.. such as home purchases, boat & vehicle purchases. I financed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and yet my credit report says they have nothing to report. This is so criminal & dishonest! XXXX  some people so that the XXXX yr olds can hide their student loan XXXX. It is your XXXX  because there are numerous other solutions that would work for everyone.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

I logged into my Chase account on XX/XX/XXXX, and found that XXXX of my XXXX credit card accounts with them had been closed without my knowledge. I didn't take any action to close either account, so I called customer service to understand what had happened. 

Over the course of conversations with XXXX different customer service representatives, I was informed that the accounts were closed due to " bank policy '' but I wasn't given any additional information, and I was told there was no recourse and that the accounts could not be reopened and that they would not be able to do or say anything else. 

The final customer service representative that I spoke to was unbelievably rude, she accused me of " making things up '' and not knowing the terms of my contract with the bank which stated that they could close my accounts at any time without notice, and they didn't owe me any explanation. She was cold and mean and raised her voice at me a several times. It was humiliating and frustrating and just downright terrible. 

I did not do or say anything to have these accounts closed, I have paid all of my accounts on time literally every single month I've had them open, and I never, ever carry a balance. I've been with Chase for 10 years, but was let go without any explanation, notice, or care. As a result of this happening, I've lost XXXX of my primary credit cards, and these closures will both go on my credit history. I was advised that if I try to reapply to get these cards back, it is unlikely I will be approved again, due to the account closures, even though the account closures had nothing to do with me as a customer or my candidacy to qualify for a credit card.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX of 2023 I signed up for the American Express Hilton Honor Surpass Card. The reason I did so was because there was an ongoing promotion where after opening the account I would earn XXXX Hilton Honors bonus points after {$3000.00} or more in eligible purchases were made on the Card within 6 months of membership. I met this threshold in XXXX of XXXX. 

I contacted customer service via chat on XX/XX/2023. They confirmed the promotion and said that they forwarded the issue to another team member and I would hear back within XXXX to 10 days. 

After not hearing anything else I contacted customer service via chat on XX/XX/2023. They said that they forwarded the issue to another team member and then informed me that I was ineligible to receive the welcome offer and that I should have been informed of this during the application process. However, I was not. I was given a case ID if XXXX and told to expect a response within XXXX weeks. To date I have not received a formal written response to the status of that case. 

I called Amex customer service multiple times since then and each time have not been provided proof that I was ineligible to receive the welcome offer and that I was informed of this during the application process.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TN)

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a late payment, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I'm requesting an investigation of Chase Bank for their error in processing a request to terminate an ACH payment to the vendor. Chase Bank mishandled a request in that I requested that they immediately block and terminate an ACH payment arrangement to XXXX. This request was made because XXXX XXXX dispatched a service installer to provide a Wi-Fi installation in XXXX of XXXX. The service provider, during or immediately after the installation stole numerous items from my residence. I opted to cancel the automatic payments to XXXX because of their poor response to the theft perpetuated by their employees. Chase Bank 's XXXX service center erroneously canceled payments made to XXXX XXXX instead of XXXX. When notified of their error XXXX issued a small credit in/around XX/XX/XXXX to XX/XX/XXXX, but they did not rectify the stopped rejected ACH payments from my Chase account to multiple ( 3 ) separate XXXX XXXXXXXX accounts which resulted in XXXX XXXX denying my ability to make check based payments and damaging my credit and fiduciary relationship with that utility.
Consumer complaint received 2023-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Law Office of Michael J. Scott, PC (VA)

XXXX XXXX XXXX XXXX XXXX ( specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have filed multiple lawsuits against me in the XXXX XXXX XXXX XXXX XXXX, Commonwealth of Virginia in an effort to collect debts from defaulted private student loans , each loan originating from XXXX XXXX XXXX XXXX from the period of XXXX. Attorneys for the Plaintiff have filed with the court and served upon me a Warrant in Debt for each of the six student loans they are attempting to collect, as well as filed with the court and served upon me a Bill of Particulars for each case as ordered by the court. Included with each of the Bill of Particulars, attorneys for the Plaintiff have also filed an affidavit from a purported employee ( XXXX XXXX ) of XXXX XXXX XXXX, signed XX/XX/XXXX. The affiant makes the same misleading and defective claims that were previously identified in the XX/XX/XXXX CFPB complaint filed in federal district court against the XXXX XXXX XXXX XXXX XXXX. This is evidence that XXXX and XXXX XXXX XXXX XXXX XXXX continue to file lawsuits in state courts fully aware that their claims are deficient and lack standing, thereby knowingly violating the terms set forth in the consent order. 

Attached is a copy of the Bill of Particulars filed by the Plaintiff. The Bill of Particulars filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan. 

Attached is a copy of the XXXX affidavit filed by the Plaintiff. The affidavits filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan.
Consumer complaint received 2024-04-29
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. (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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX 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 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America when I had asked why my payment for XX/XX/XXXX for {$77.00} XXXX wasn't showing up as having any failed attempts from the XXXX until today when I go and look and see that my account has been overdrafted for {$77.00} and they tell me that my account Will not show or reflect any issues like failed payments. 

Credit for disputes still it in account. 

One again Bank of America, with no notice of any payment issues of any kind not given and taking the money and leaving a negative balance. 

And now stranded again. 

And the woman who answered my calls around between XXXX to XXXX XXXX He sounded smug and had been laughing and chuckling upon hearing my situation. This company has put me in again and you could hear her voice and how happy it made her that my situation being stranded again just was just pure amusement for her and she just also loved it so much, and I'm willing to bet that one probably didn't record this conversation
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing about this case that I have been trying to get a resolution for a while now regarding the XXXX XXXX ( XXXX ) account that is reporting an inaccurate Date of First Delinquency ( DOFD ) on my Experian credit report. It is within my consumer right, per FCRA law, that my report is accurate. 

The DOFD I got in a letter from XXXX is XX/XX/XXXX, but Experian is reporting the DOFD as XX/XX/XXXX. This change clearly has an impact on when this account needs to fall off. 

I have disputed this account numerous times to give XXXX and Experian a chance to correct this mistake, but that has not happened. I disputed this inaccuracy on XX/XX/XXXX with proof from the XXXX letter showing the correct DOFD and Experian just sent me dispute results that the account came back UPDATED. 

Experian did not clearly verify this info from the data furnisher ( XXXX  ) because if they did, per law, they would have found the inaccuracy in the DOFD. 

Experian and XXXX are violating my FCRA rights. 

This account continues to adversely affect me.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MA)

In XXXX, I took a cash advance for {$9000.00} with a 0 % APR promotional interest rate offer through XX/XX/2024. I was charged a 5 % origination as outlined in their terms. 

On the following month 's bill ( XXXX ), I paid the balance for all new purchases. Then the month after that ( XXXX ) I was charge {$170.00} in interest. 

Chase Bank 's terms state : " If you take advantage of this promotional offer, interest will be charged on new purchases unless you pay your New Balance ( or Interest Saving Balance, if applicable ), including any promotional balances added by using this offer, in full each month. If you have a promotional 0 % APR on purchases, you will not be charged interest on new purchases as long as the promotional Purchase APR is in effect. '' I contacted customer service by phone and they told me that I was charged interest for the new purchases. This is in violation of their terms above. The phone representative was unwilling to advocate for me. 

I followed up with an email. The response from the representative was the same and ignored my concern regarding the violation of their promotional cash advance terms. 

Given that I am likely not the first person to have this problem, I recommend that you investigate my complaint and inquire Chase with regard to how they are implementing their promotional 0 % APR cash advance terms..
Consumer complaint received 2023-12-03
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: EQUIFAX, INC. (NY)

As NY state resident, all paid collection or Charge off account can not be reported on credit report after 5 years of First date of Delinquency, in my case it was XX/XX/2018, I tried to dispute that issue with the company and credit bureau, but I still have this account reported on my credit history .NY state law 380-J.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (MO)

Company lied and said they mailed me documentation of the debt to address on file over 45 days ago. By law they are supposed to provide that information and never did. When I asked for more information in order to see exactly where the debt is from they did not give it to me. On XX/XX/29 I called to get the information the CFPB said Nelson and Cruz had to provide. They did not provide the information and over talked me! I do not owe this debt and they refuse to provide me the correct information to get this corrected! This is illegal! The person also threatened that he is a paralegal trying to intimidate me. They never sent me anything about this debt before putting it on my credit report and will not provide proof so I can file a report. They wont provide me with information if product was picked up or delivered or a signature showing delivery or pick up. The person over talks and kept putting me on hold. Thats harassment. They supposed to sent me something over a month and didnt.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (WA)

Despite having an extended security freeze between XXXX and XXXX, Discover Student Loans acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted Discover Student Loans and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.