davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

This relates to XXXX similar issues The bank offered a {$XXXX} reward for making a purchase of any amount between XXXX via an email offer if I used their credit card. I made a purchase within this timeframe ( as evidenced by the an attached account payment confirmation for a statement that was generated in this timeframe. I never received the reward or a notification that the reward was issued. 


Again, in XXXX of XXXX, the bank offered me a {$XXXX reward for making a purchase of {$XXXX} using their credit card by XX/XX/XXXX. Attached receipt shows purchase made on XX/XX/XXXX for {$XXXX} On XX/XX/XXXX at XXXX ET, an inquiry was sent via the bank 's secure message inquiring about the status of the reward. 

On XX/XX/XXXX, I still had not received the reward or notification of the reward and contacted the bank, the bank stated that they will inquire and send communicate with me once their inquiry was complete. 

In XX/XX/XXXX, I contacted the merchant ( XXXX XXXX ) about both rewards ( references # XXXX and # XXXX ). On XX/XX/XXXX, they reissued XXXX {$XXXX} reward. I contacted them again about the second reward but they refused to issue it, stating that it was expired. They failed to state when the reward was issued/sent and when a notification was sent ( Reference # XXXX ).
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (LA)

Hello, XXXX XXXX XXXX and I am reaching out today because XXXX is still reporting inaccurate information on my consumer report. The alleged debt has been written off by company Republic Finance and was charged off. The collection account has been written off a a bad debt which uses a 1099-c Cancellation of Debt by company and myself. I ask that you verify this with XXXX and Republic Finance. 
According to the FCRA and FDPCA, its illegal to try and collect on a debt that has been written off on company taxes. It also governs the accuracy, fairness, and privacy of information.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told XXXX, XXXX, and equifax to reinvestigate these accounts Account Name : ( XXXX XXXX  ) Account Number : XXXX report inaccurate Account Name : ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : ( XXXX ) Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I have made multiple attempts to contact the ombudsman department for an answer to a request for a repayment plan that was more affordable for me to repay past due amount that accumulated during a Covid forbearance. This request was based on responses SPS made to the CFPB in my previous complaints filed pertaining to this issue. The last response that was made by SPS to CFPB did not address my request or gave any response. I was told in the last contact that they would not give a response in writing if there was no offer reached to make my repayments reasonable. 

Furthermore, every time i call the ombudsman department, they ask me the same questions about my request like it was the first time I was calling about the issue. They state that they are submitting my request to the investor for a response, but I have yet to receive any response to this request, and it has been now XXXX times I have made a request for a more affordable payment.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XXXX XXXX I went to the Bank of America XXXX XXXX XXXX XXXX to start my financial life in the United States, Im an XXXX  who came to the XXXX on XX/XX/XXXX of XXXX to start a new phase of my life and I thought Bank of America was a good option for me. I was advised by XXXX XXXX and XXXX XXXX that it was a good idea to get a secured card credit of a {XXXX and after 3 months with my constant financial movements and well payment behaviour my name and credit score was going to be visible in the credits bureaus of the U.S. I went on XX/XX/XXXX of XXXX to the branch in Downtown to communicate with the credit card department to ask the reason why I did not get what they promised and did not found an answer to my problem. Today XX/XX/XXXX of XXXX I still don't have a XXXX Score even though I followed all the recommendations and procedures to get one. I'm taking the decision to file a complaint after I called and went several times to the branch and did not get a solution.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOWNE MORTGAGE COMPANY (OH)

I sold my home XX/XX/XXXX. XX/XX/XXXX XXXX, XXXX, and XXXX remarks says I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor Towne Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and it is PAID IN FULL. I did not settle for less but My credit score keeps dropping. XX/XX/XXXX I spoke with all credit bureaus they all said Towne Mortgage updated the remarks in my credit file and stated I settled for less and closed the account.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2024-02-04
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: CLGF Holdco 1, LLC (TX)

Concora Credit Inc updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and XXXX reflected current. On XXXX, both XXXX and XXXX are reflecting late in XXXX while XXXX is still reflecting current.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Problem # 1 : I have loans through Nelnet. I have asked in writing for proof of loan, M

aster Promissory Notes, payments made history, re-calculation of amount owed, etc. They have not responded to email requests or mail requests.

Problem # 2 : Nelnet reported my payments as late 8 times. This was after they sent me a notice that payments were suspended during the pandemic. When I discovered the credit bureau reporting, I contacted Nelnet and was told that the suspension of student loan debt payments did not apply to my loans. They never sent me an notice telling me my payments were over due.

Problem # 3 : Nelnet sent me an email advising me that my IDR repayment plan was approved. Then a few days letter I got another email saying my XXXX payment was due XX/XX/2024 with no IDR payment reduction shown.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (VA)

Place name XXXX charge my account I file dispute. First Horizon bank settled the dispute not in my favor. I never use XXXX or any gambling website out of nowhere my account was charged a huge amount of money. This situation caused have me a lot of financial problems.
Consumer complaint received 2024-06-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (MD)

The company contacted me about an alleged debt stating I owed a medical facility a bill. I responded stating not only was this a time barred debt, but that they did not confirm they had the correct person. I said do not contact me. Then they didn't provide any proof of the correct person. Further, they placed the debt on my credit report without confirming they had the right person and said it was disputed by the consumer. Further, they placed it on my credit report as if the debt happened in XX/XX/XXXX and allegedly it happed in XX/XX/XXXX. 

I have since submitted disputes on my credit report, however, the fact that they are so concerned about getting payment for a debt that is not legally enforceable and lied to say it was recent when it was over 6 years old to t get it on my credit report before the 7 year window expires is fraud.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My dob XX/XX/XXXX, not XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Consumer complaint received 2024-06-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (DC)

I filed a complaint with your company about a stock account Invested in while with cashapp. 
Cashapp refuses to give me my stock and they wrote you back information that was not applicable to my compliant I want my money from my stock with XXXX XXXX in a check mailed to me from Cash App
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had money saved in my XXXX XXXX XXXX account because I needed that money to XXXX XXXX XXXX for a family matter so I try to log in to my account and it was not letting me so I contacted XXXX XXXX customer service support it took me 5 days to get access to my account just too Find out that my account was close and my money was gone I really need that money to XXXX my XXXX XXXX thats the reason I was saving it to hire a XXXX XXXX I try to fix the problem with XXXX XXXX but they refuse to cooperate with me and I am the owner of the account
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I was looking over my credit report for each credit bureau and found some names addresses, employer information that are incorrect. To make the process of deletion easier I will provide the information in which each bureau has listed of incorrect addresses, names, and employer on my credit report. 

There should be only one name, one address listed on my credit report. I also noticed my name appears to be misspelled on my credit report. My name only has one correct spelling and there should be no variations listed because my name has no variations.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I deposited a check from closing proceeds of a home my wife and I XXXX XXXX days ago, the issuing bank has stated that the funds have cleared the issuing account, Chase bank keeps stating that they need to verify funds but the funds have already been removed from the account. Our bank swears they havent even verified the funds yet. XXXX XXXX XXXX ( the issuing bank ) is steadfast in their claim that chase bank has already received the funds, this situation has got me in a financial emergency where I may lose my only home and vehicle. We have XXXX  we are trying to keep a roof over and they just continue to hold the deposit with no explanation as to why!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-04-19
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. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in regards to the reporting, inaccurate amount and dates are being reported.
Consumer complaint received 2024-05-30
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: JPMORGAN CHASE & CO. (TX)

Chase advertised their XXXX XXXX XXXX XXXX  users can earn XXXX points and transfer it to their travel partners. XXXX XXXX is one of them. However, I am not able to transfer it to XXXX, I have even trying to resolve this issue for past couple month. Every time when I call or send them text, only response I get from Chase is that my issue is transferred to related department. This had been now almost a month.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX I desire to keep this account open XXXX XXXX email account for XXXX XXXX No longer can gain access to XXXX I XXXX XXXX XXXX no longer has access to this email account. 

My son XXXX XXXX sent me XXXX to XXXX the old account I created a new account under email XXXX User name XXXX My son deserves and is entitled to a refund I file a complaint with Federal Reserve How Cash App is telling us There's nothing further they can do. 
My son isn't giving the free money for their financial institution. 

He's a consumer entitled to have his funds quickly sent back to the sending at phone number XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (GA)

A need for XXXX XXXX, from XXXX. XXXX submitted a background check on my name for XXXX. The company Sterling Infosystems reported that in XXXX XXXX a judgement for a misdemeanor was decided. Yet there has not been a court date decided on this case. The company XXXX has since canceled my request for assistance. The inaccurate report from, sterling infosystems, has denied me my right to proper care.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on XXXX and XXXX. Showing made payments on XXXX yet late payments on XXXX. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (MI)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX