davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

In XX/XX/2023, I received an email from Mohela stating I was placed on an administrative forbearance ending on XX/XX/2023. That same communication confirmed that the month of XXXX would still be counted towards PSLF. 

Since that time, the month of XXXX has been marked as ineligible on my PSLF tracker. I contacted Mohela to correct this in mid XXXX. Despite the representative looking at every available option, she was instructed that there was no manual override option, or place for her to submit my request, despite agreeing that XXXX should have been marked as eligible. I was instructed that I needed to wait for the company to correct this en masse. 

There is no time frame for this supposed correction to occur, and in the meantime, I have now made 120 payments and am ready to finalize my application for PSLF.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MO)

On XX/XX/XXXX I received a forwarded email from a relative. The email was sent to my aunts personal email address. The contents of the email were specifically addressed to me and was an attempt to collect a debt from XXXX XXXXXXXX XXXX. The debt collector was XXXX XXXX XXXX working on behalf of LVNV Funding LLC and included information about the alleged last time I paid a payment on the closed account ( {$30.00} on XX/XX/XXXX ). The email also included my name, last 4 digits of my account number and the total balance that was past due {$630.00}. The email also stated that my account was in pre legal status and would be potentially referred to a law firm in my state. 
I have never used the relative that this email was originally sent to on any type of credit application as a co-applicant or reference. I have also never given any credit card company or debt collector permission to contact any third parties or relatives regarding any alleged debt owed as it violates the rights listed in the FDCPA. I plan to seek legal action but wanted to start here first.
Consumer complaint received 2024-05-30
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: SYNCHRONY FINANCIAL (TX)

Phone # XXXX from XXXX, CT had made a call and I recognize the number from another scam where he was acting like he was someone famous and asking for personal information. 

An email was set for verification of payment for XX/XX/2024. Phone # XXXX XXXX on XX/XX/2024 at XXXX XXXX was the sender and there was a charge supposedly of over XXXX dollars for product I did not order. 
They said they needed my email to give a refund. They wanted me to go to the app store and choose XXXX remote control ( red icon/dice ) and get verification number to give a refund from PayPal. They said they were from Paypal.

I reported them to PayPal and send them the email. They kept on insisting on calling me and I blocked them.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-01-29
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: AMERICAN EXPRESS COMPANY (NJ)

I received two American Express gift cards from my boss as part of a XXXX bonus. One is for {$1000.00} and one is for {$500.00}. They are e- gift cards sent to me by email. I do not have physical cards, just the card numbers. 

Ive tried using these gift cards on numerous online shopping sites and they will not work. All websites say the address needs to be updated or a zip code is required. When I spoke with customer service, they said there is nothing wrong with the cards. They active and ready to use. They said an address can not be associated with a gift card. However all major realtors require an address when using a credit card online. They also suggested trying to use it with another merchant. When I explained Ive tried it at numerous online stores they said there is nothing wrong with the card and theres nothing they can do. 

Ive tried using the cards online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. The only place Ive been able to use it was at the XXXX airport to buy a meal after uploading it to my XXXX XXXX. It does not work using XXXX XXXX for any of the merchants I listed above. 

After running into this problem, I did some research online and found many people had the same problem. Reviewers say the cards are basically useless at all major merchants. Im unsure how Im supposed to be able to use these cards if the companies I listed above wont allow them. The cards are advertised as being able to use them anywhere that Amex is accepted. However that is clearly not true and I dont think my company would have bought them had they known they can only be used randomly at airports for coffee. 

I hold several Amex personal credit cards and still they will not help me. Id just like to be able to use these cards and the balance that is still on them.
Consumer complaint received 2024-01-29
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-29
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX, and I am creating this statement. It has come to my attention that there have been several accounts under my name fraudulently my information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts never have received written instructions from me to report anything on my behalf.

Additional Unauthorized Hard Inquires : 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Formal Dispute of Late Payments and Allegations of Extortion and Fraud - Account No : XXXX I am writing to formally dispute the late payments reported on my credit report for the above-referenced account. I believe that the reporting of these late payments is not only inaccurate but constitutes a violation of federal law, amounting to extortion and fraud. Violation of the Fair Credit Billing Act ( FCBA ) Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, creditors are required to send a billing statement for each billing cycle where there is an outstanding balance or a finance charge.
Consumer complaint received 2024-01-29
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. (KY)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2024-05-30
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: CREDIT ACCEPTANCE CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that CREDITACPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft laws, particularly under Chapter 570, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty tha
t I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a checking and savings account with Capital One toward the end of 2023 ( that itself was an unnecessarily long and drawn-out procedure involving many headaches ) and deposited some checks at the atm. 
when I tried using my debit card it did not work. I called the bank and was very frustrated with their terrible customer service. After seeing nobody helping me over the phone, I finally went to their XXXX XXXX location. 
I told them what my problem was. They said it looked like fraud because I had deposited checks of different amounts, and from several places. After I provided them with my ID, social security number, and phone number ( every .single. time. ) and explained that as a XXXX XXXX  I had received checks from the XXXX XXXX XXXX XXXX XXXX they still kept me locked out of my account. 
I asked them why they couldn't give me the checks I deposited, and they said that once a check is in the ATM it's void. 
They told me that the only way for me to access the funds would be to give them the phone number of the business owner from every business I had a check from. they also clarified that the number must be VERIFIED TO THE BUSINESS OWNER. ( they can't speak to a secretary, etc. ). I worked for XXXX XXXX XXXX XXXX and I don't really have a way of getting the contact info of the business owner. 
Then they told me they would close my account if I did not take action. I was more than happy about that, but they closed my account and did not send me anything other than a bank statement showing a total balance of XXXX. 
Basically, I got horrible customer service and bad manners from Capital One employees, and now I am left with several XXXX dollars stuck in a closed account. 
I hope that you can help me with this. 
THANK YOU. 
P.S. I know several other people who also had difficulties with Capital One...
Consumer complaint received 2023-09-19
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. (TX)

I received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Good Afternoon, Chase bank sent me a marketing email offering a {$900.00} promotional bonus for opening a checking and savings account and meeting certain requirements. Those requirements per the Chase terms and conditions were : **Have a direct deposit made from my employer to the checking account within 90 days of coupon enrollment **Deposit at least {$15000.00} within 30 days of coupon enrollment into the savings account **Maintain at least a {$15000.00} balance for 90 days from coupon enrollment in the savings account. 

Per their terms and conditions, after meeting these requirements my {$900.00} bonus was to be paid into my account within 15 days. 

I opened my accounts with Chase in late XXXX of XXXX. My bonus payment should have been made by mid XX/XX/XXXX. I contacted Chase on XX/XX/XXXX that I had not received my promo bonus for my new account signup. I was transferred to an escalations team who confirmed they had been having issues with coupon codes not being correctly applied. They then claimed they were having system issues and were unable to open a case internally to look into my issue. I tried back over the proceeding days and was told the same thing. Finally on XX/XX/XXXX, I spoke with an escalations supervisor who was able to create an internal case to look into why I had not received my bonus. They confirmed that my account met all of the conditions for the bonus and that they would be reaching out in 2-3 business days to let me know when to expect payment. I was never contacted. I reached out to Chase again on XX/XX/XXXX and spoke with XXXX, and escalations supervisor. She confirmed I met the qualifications but did not have a timeline on resolution. She said the research team was looking into it and would follow up in 2-3 business days. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke to supervisor XXXX who said she had marked the case as " urgent '' and that someone from the research team would be reaching out within 24 hours. Again, I was never contacted. I called into Chase again on XX/XX/XXXX and spoke with XXXX, an escalations supervisor and was told that the e-coupon department was now looking into it but he did not have a timeline on resolution. I informed XXXX that it had now been almost a month since I notified Chase of the issue and that was unacceptable. I informed XXXX that I would give Chase until XX/XX/XXXX before sending a letter of demand and then filing a small claims lawsuit for the bonus amount owed as well as forgone interest on the balance and damages. Still no timeline was given. 

I have the emails and printed terms and conditions of what Chase committed to pay me for opening new accounts. I have met all terms and conditions and multiple supervisors at Chase have also confirmed my accounts met their criteria to pay the bonus promised.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus XXXX  in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX, XXXX XXXX, or XXXX XXXX. Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX  that I have not authorized or given written consent.
Consumer complaint received 2023-08-11
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. (MO)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to XXXX XXXX XXXX to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year> I was able to receive my denial letter from Synchrony Bank regarding the reason of denial of the XXXX XXXX XXXX. Claiming I have no credit history. Even though after checking my credit reports ( especially my XXXX Report which was requested ) I had ample credit history. After calling their care line on the same day, a representative was able to escalate my case and have them manually review the application. Was told it would take about XXXX days from the denial letter date. And I would only be receiving a written letter. Which has never been received on my end. 

As of XX/XX/year> I have called back regarding the case but I was told my pending application doesn't exist anymore. With my denial letter still in hand dating back to XX/XX/XXXX, I was able to give them my reference number regarding the lookup of my application. 

Unfortunately with no new written letter and been told continuously I would have to reapply and risk another hard pull and await another denial letter, I told the representative this case will be forwarded to the Consumer Financial Protection Bureau.