davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

According to my understanding of the promotional offers of the credit card, users were allowed " up to {$100.00} '' back for purchasing TSA Pre Check or Global Entry. We have 2 users, and each bought a the TSA Pre check ( valued at {$85.00} ) and would not have bought TSA Pre Check unless we thought we were to be reimbursed. Our understanding was that we would be reimbursed 2 times {$85.00}, or {$170.00}. However, we were only reimbursed a single {$85.00}. On Sunday XX/XX/XXXX, I contacted Chase about the Sapphire Reserve Credit card and asked them why I was not rewarded the additional {$85.00}, they said that they only redeemed " one '' purchase of either TSA Pre OR Global entry per credit card and only up to the amount of the single purchase and not total purchase for all users on the credit card. They told me there was nothing they could do. 

Our main dispute is that the wording in their promotional document ( attached ) is unclear. The document says that we are allowed up to {$100.00} for TSA Pre or Global Entry. It does not make clear that it is ONLY {$85.00} for TSA Pre or {$100.00} for Global Entry. In addition the document does not outline or define " account '' which we fairly understood to mean " user ''. Upon very close inspection of the document, I was unclear what either of the term meant, and the document led me to believe that each user on the card would be reimbursed. 

Finally, this concerns us because we opened up the card after very careful consideration of the costs and benefits, and the extra {$85.00} changes our math. We are now concerned that if we had know this, we would not have gotten the card or TSA Pre, and now we are stuck with the card and its costs. To add to that, the annual cost of a 2nd user on the card is {$75.00}, and we thought that this would afford all the benefits to the second user as the first user. Now we are unsure what adding a second user to the card affords us, and are concerned that we are effectively out a {$75.00} second user fee + {$85.00} TSA Pre change totaling {$160.00} annually.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (TX)

I was enrolled in XXXX college here in XXXX texas i started XX/XX/2016 and it was a 2 year program but i found out the school closed on XX/XX/2016 and shortly after they filed for bankruptcy. i was told by UAS ( University accounting service ) that i was still responsible for the private loan that they paid out to the school on my behalf. Im in the process of getting my government loans forgiven through the dept of education, im just waiting on their response but this private loan is such a nightmare i didnt even get to benefit from the money they paid to XXXX i was barely beginning my schooling. If there is anything that could be done id be so appreciative. After the school closed i found out i was XXXX and this school loan has been weighing heavily on me i dont want my credit ruined for a loan i didnt use and can not repay. This private loan place is where career point said they have a contract with and always use them and career point did all the paperwork and i just signed. The private loan is about XXXX and through UAS there number is XXXX. Website is XXXX. I really hope you can help me. Thank you
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (CA)

I disputed the information with XXXX XXXX to have I C SYSTEM INC removed FROM MY report because it is overXXXX years old and was charged off by the original creditor XXXX many years ago. but they claim it was validated which I find unlikely. The collection company is a third party that is trying to collect a debt that XXXX charged off many years ago the account is from XXXX it is over 7 years and because it was XXXX it became a certificate of indebtedness which is income that can not be reported. under the Federal Fair Credit Reporting Act they must remove negative information over XXXX XXXX XXXX. The account is from XXXX It is being falsely reported with the wrong dates. On XX/XX/XXXX XXXX XXXX sent me the report of their investigation which clearly shows the inaccurate dates and that it was sold to third party after being discharged.Not only that XXXX removed it and it shows I have no collections. I got all three reports and only XXXX XXXX and XXXX say they validated it.I also called XXXX because I got a letter saying my private information which was my ss number was leaked on the dark web from XXXX. I wanted to know why they even had my private information because I have not had a valid contract with them XXXX I wanted to opt out revoke any permission they may assumed they have regarding my private information but XXXX said they couldn't find any information of my account. So why did I get a letter from them.Is it a law that they are supposed provide me with opt out options every 30 days if they are still using my private information without my permission. This inaccurate information being reported is preventing me from being able to attain the credit I need to. I can't even opt out with XXXX because they are using my information illegally without my permission and denying me the option to opt out of them using my info,
Consumer complaint received 2024-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

In XX/XX/year>, my hazard insurance provider contacted me to issue a new policy. The hazard insurance provider, XXXX, has tried to get ahold of Mr. Copper with no luck to receive payment for the policy. The escrow analysis that I received in XX/XX/year>, has XXXX as the hazard provider and the policy number to make payment. In XX/XX/year>, I also started receiving force placed insurance notifications from Mr. Cooper. My homeowners insurance policy has now been cancelled at no fault of my own. This happened last year as well. I was transferred to Mr. Cooper and my hazard insurance was not paid timely causing a cancellation. I had to get another policy which was higher than the original policy. This is a direct violation of Reg.X, 2417 ( k ). My payments are not being made timely when the servicer has the requisite information to make these payments on my behalf. I'm requesting immediate attention to this matter.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

Someone else opened up an Experian account with my name I guess my information and everything and now that I'm trying to get a student loan and a student credit card because I'm going to school all of a sudden my account is froze because they're saying I owe {$14.00} well I don't have that or I wouldn't be trying to get a loan I can't get you alone I can't get none of that until my account is unfreeze
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

many fraudulent accounts are reporting under my equifax credit reporting agency, these are accounts that i did not open and were opened with out my knowledge, these are accounts that i never inquired it was opened with out my bearing signature and XXXX knows who has opened. please i have been disputing these few accounts ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX AND TWO XXXX XXXX XXXX XXXX i have been disputing these irrelevancies for four months now, i call creditors they do not have anything under my name and address, the social was fraudulently used and misused, please have these inaccuracies removed from XXXX and equifax credit reporting agencies thank you for your cooperation
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Approve Holdings, Inc (NV)

I contacted Auto Approve requesting a refinance loan on a XXXX XXXX XXXX owned by my grandson and financed through the XXXX dealership in VA. 

I wanted a {$25000.00} loan in my name, to get the much lower interest rate I qualify for with Credit ratings over XXXX. My grandson would act as co-signer and pay me the monthly payments for the loan that I would be legally responsible for. An initial estimate on their website showed I should be able to get a loan at less than half the interest rate he was paying, I provided all the required information over the phone, as did my grandson, who also had just started a new full time job as an XXXXXXXX XXXX XXXX, I also unfroze my Credit reports so Auto Approve could verify my credit. 

I was told by XXXX XXXX that they would not issue a loan. No reason was given except a claim he was denied because he was a XXXX XXXX. They had been previous told that was before he started with XXXX and in any case the load was to be in my name not his, As mentioned I have outstanding credit, which was not even checked by Auto Approve and the last email said I should reapply when I had just completed the application a few days earlier and was told it was complete on my end. 

They have failed to contact me further.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/XXXX I sent {$170.00} to my mother as rent payment. On XX/XX/XXXX I filed a dispute with my bank for a transaction I made with my debit card, during the process of filing the dispute, my bank ( XXXXXXXX XXXX  ) accidentally filed a dispute for the transaction to my mother through cashapp ( Square Inc. ). My Mother notified me on XX/XX/XXXX that the {$170.00} was reversed on her bank statement as a payment to me because of the mistake made by my bank during the dispute process. I contacted my bank on XX/XX/XXXX to close the dispute. I also contacted cashapp support were I was assured that I would receive a refund for the {$170.00} that was sent or because I closed the dispute, the funds will be sent back to the original payee. The funds were supposed to be released to my bank or sent back to my mother on XX/XX/XXXX but neither of us have seen the funds in our cashapp accounts or bank accounts. 

After contacting my bank they notified me the dispute is closed and they never received any funds from Square inc or cashapp for the amount mentioned for {$170.00}. Originally when I reached out to cashapp about the refund or repayment, they claim they are the communicating with my bank about the disputed amount ( even though the dispute is closed ) yet I was told on multiple occasions the funds would be sent back the payee or refunded to me. After contacting Cashapp support for the past two days, they now say, they do not see a transaction for that amount and there is nothing that they can do besides take a complaint.
Consumer complaint received 2024-10-15
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. (NJ)

There is information that was mixed on my credit report, and it has been already deleted by both XXXX and XXXX yet you still kept on reporting this error on my credit which shows negligence and a blatant violation of my rights as a consumer, the transactions on this account and this item is not mine, this is really troubling and it's causing me undue stress and XXXX.
Consumer complaint received 2024-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

My daughter was given Card XXXX XXXXXXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX She had to reason to use the card until the weekend of XXXX when she was unable to use it because it was declined. We called the company asked why the card was declined because it was NEVER used. They could not provide any transaction history and would not help to resolve the card until we provided them with a sales receipt AND electronic journal from the place we purchased it. They also told me there was an activation issue. This is NOT the fault of the consumer! They stole money from my family!!! I filed a case under # XXXX and spoke with XXXX ( XXXX ) and XXXX ( Supervisor ). XXXX advised me that once they received my email letting explaining my concern, my case would be resolved. It has NOT! This company has MANY complaints filed with the XXXX  for stealing money from consumers! THEY ARE THIEVES! I would appreciate help with resolving this matter!
Consumer complaint received 2024-10-15
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. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-10
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. (IL)

Transunion, XXXX, & XXXX are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

TransUnion is reporting a late payment XX/XX/year> XXXX XX/XX/year> and XXXX XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX, Experian, & XXXX are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

XXXX is reporting a late payment XX/XX/year> Experian XX/XX/year> and XXXX XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (IL)

XXXX, XXXX, & Equifax are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

XXXX is reporting a late payment XX/XX/year> XXXX XX/XX/year> and Equifax XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-10
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. (IL)

TransUnion is the only consumer agency reporting an alleged repossession. I have no known knowledge of this allege repossession and they have not provided me with any proof that the vehicle in question was actually repossessed. TransUnion and the creditor must provide me with several notices prior to reporting this information. TransUnion keeps stating they verified this information but has yet to send me any valid proof that they did verify this information according to the standards of law. This is my final attempt to get this information or this is lawful notice that if you do not remove this information or provide any information I will immediately sue TransUnion.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.