davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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: Bread Financial Holdings, Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

This account was charged off on the following date XX/XX/2021 Since then the account has repeatedlyy been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active paymentt history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanging a deletion of the following account : Accounts Name - Account Number
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX XXXX I got a alert for {$510.00} withdrawal then at XXXX {$480.00} on my chime account while my card was on my I called them right away to despite the transaction the said they was gon na investigate it they emailed me saying it was gon na take until XX/XX/XXXX they never emailed me back so I failed another despite because this is not right I live in New Jersey you can see this was in another state that I never been to in my life please help Ive been sleeping in my car from this
Consumer complaint received 2024-06-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NY)

I have been living in at my current address since XXXX see attached NY driver licensed issued XXXX. The lease provided by IQ Data is not mine and does not contain my information. This lease page provided by IQ DATA contain multiple names and is of no agreement entered in by me. I have reached out to the company, and they have no record of this account. The XXXX  address provided is not my resident, and it never was. i did not reside at the address on the document provided by IQ DATA. I do not owe this debt please remove. You have the wrong person. i do not owe anything for move out as i have had the same address for over 10 years. i was living at my current address when this lease was created. 
The first page of lease agreement provided by IQ DATA in XX/XX/year> to my home in XXXX does not even contain my NAME or address of over 10 years ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. account # XXXX IQ DATA has continued to report the collection and has placed the collection on my credit report. I did not sign this lease and have provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence of over 10 years.
Consumer complaint received 2024-06-27
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: U.S. BANCORP (NC)

On XX/XX/XXXX, I booked a round trip flight, fully using points from XXXXXXXX XXXX XXXX XXXX credit card rewards program. In XXXX, I called XXXXXXXX XXXX to change the return flight ( XXXX ) of this flight to a later date in XXXX. 


On XX/XX/XXXX, I called XXXXXXXX XXXX again, to change the date of the flight. This time however, the fare was more expensive, and this resulted in an extra cost of {$250.00}. I paid this directly to XXXX XXXX with my Elan Financial Services Credit Card. About a week later, I called once again to change the date of the flight, but this time, the fare was cheaper, so I was owed a refund of {$250.00}. XXXX XXXX stated that it could not be refunded back to my credit card, and would instead be sent back to the travel agency, which iXXXX XXXX XXXX XXXX XXXX travel partner. It was my job to claim this refund from XXXX XXXXXXXX XXXX, and XXXX XXXX sent me a receipt that would aid in this. 

On XX/XX/XXXX, I began correspondence with XXXX XXXX in search of the refund. I was in contact with them until XX/XX/XXXX. I gave them the refund receipt from XXXX XXXX, but they could not locate any refund. it was ultimately determined as " not their problem ''. 

On XX/XX/XXXX, I created a dispute for the {$250.00} charge with Elan Financial Services, XXXX. Shortly after, I received an email from XXXXXXXX XXXX stating that they are rejecting the dispute, as I need to work with my travel agency to retrieve my refund. After explaining the issues I had working with my travel agency, XXXX XXXX agreed to work it out without involving Elan Financial Services. They told me they would need documentation showing the travel agency 's unwillingness to refund my money however, to which I provided on XX/XX/XXXX. XXXX XXXX has not replied or continued to work with me afterward, despite what they promised. 

On XX/XX/XXXX, my dispute was resolved in XXXX XXXX 's favor, and the reasoning shows a lack of willingness to understand the problem. The reason stated is that the transaction is non-refundable per XXXX XXXX 's terms and conditions. If that's true, why do I have a refund receipt from XXXX XXXX, and they had said themself that I deserve a refund? 

This situation is exactly where a chargeback is valuable, however my card issuer does not seem to care at all.
Consumer complaint received 2023-11-04
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX maybe even XX/XX/XXXX I had had filed a claim with Bank of America prepaid cardholder services and I was calling XXXX  days later to check the status of my claim and there was not even a claim opened they were supposed to have file a claim in a hardship and they filed neither on the XXXX whenever I had called and then I have been having problem after problems since I sent in a four-page handwritten statement a copy of my eviction notice text messages were the girl had bragged about stealing my money and they are yet to do anything about it and I've been sentencing XXXX  XXXX weeks ago and I need my money it's XXXX I do believe and this is getting ridiculous I shouldn't have to beg for what was mine to begin with I really wish they would just fix my problem because I didn't ask to be robbed and this is getting more and more ridiculous by the day they keep giving wrong information in the claim department no one really knows what they're talking about like at all whatsoever and it's getting more and more ridiculous I just want what's my nothing more nothing less.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

I am disputing a late payment on my credit report for account number XXXX with Flagship Credit Acceptance on date XX/XX/year>. This is an error, this payment was never late and account have then since been payed off completely. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate information. Please investigate and correct this mistake. Please remove, block and delete all inaccurate information from my credit report. Thank You
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (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.XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (PA)

( XXXX ) I closed on my house on XX/XX/year>. 
( XXXX ) Selene Finance is the Mortgage Company. They owe me in excess of $ XXXX in escrow. 
( XXXX ) After I emailed them asking about the whereabouts of the money, they told me that they mailed it XX/XX/year>. They mailed it to the wrong address : XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( there is no such address ). They told me to contact them so that they could void the check and reissue it if I had not received it. 
( XXXX ) I called them multiple times in early XXXX. There is nothing but a XXXX number and because I no longer have an active account with them, I can not enter the old account and I get sent nowhere ( essentially, I spin and spin ). I responded to the email, have also faxed a complaint across early XXXX XXXX ; and most recently, a week ago ( XX/XX/year> ), I sent an overnight mail letter to their headquarters in XXXX, TX. No one has responded to me by email, fax, or phone. 
( XXXX ) I have also filed a complaint with the Attorney General XXXX XXXX 
( XXXX ) I have publicly posted a complaint on XXXX against Selene Finance.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MN)

I wanted to try this prepaid credit card and signed up for BlueBird by american express in XX/XX/year>. 

Before I received the card I read a lot of reviews around how bad these cards are. I decided I didn't want to use the card. 

When the card came I cut it up immediately and disposed of it. 

I do not have access to the online account and can only gain access with card information do not have. 

I have access to the email associated with the card and the Social Security number. I believe they can not validate my account as they are saying I entered a different birthday than my actual birthday. 

Support can't help me, there is no one else to contact. They as for card information I'll never be able to recover. There is no way for me to progress this forward. 

I have no options, the entire website has a single phone number. 

This seems very predatory. 

DO NOT EVER USE BLUEBIRD IF YOU ARE READING THIS.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OR)

Our cell phones were a victim of " XXXX XXXX ''. Although I was able to change my profile to a new email address, I was not able to update my new phone number. The web site instructed me to call a XXXX number. I called the morning of XX/XX/XXXX to update the number. They authenticated me and placed the request. The morning of XX/XX/XXXX, received an email asking me to call as soon as possible. I called that morning and was authenticated by XXXX different people and was told my request was still in review. I received another email that day asking me to call asap, I did and was authenticated again but was told my case was still " in Review '' I asked if any money had been removed but refused to give me any information. I called again on XX/XX/XXXX, was authenticated twice but was told still in review. Refused to let me speak to a supervisor and told I have to wait but had no idea on how long. I asked how can I close my accounts by paper, told I have to wait until they get around to it. I have asked to close my accounts and they refuse. I have no access to my life savings and they will give it no priority.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was living with a roommate in XXXX, Im not exactly sure but the person I was living with got ahold of my Bank of America Debit card . The person attempted to deposit a check via ATM and I was alerted by BOA. I contacted Bank of America and attempted to inform them on this fraudulent inconvenience and they just went ahead and closed my account anyway.
Consumer complaint received 2024-06-13
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-19
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-14
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA (CA)

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX in XXXX XXXX concerning fraudulent and deceptive practices that significantly influenced my decision to enroll and finance my education through private loans. 

During my enrollment process, I was explicitly assured by representatives of XXXX XXXX XXXX that XXXX typically secure employment with salaries in the six-figure range. This representation was a crucial factor in my decision to undertake significant financial obligations under the belief of obtaining a high-paying job post-graduation. Unfortunately, this turned out to be patently untrue and grossly misrepresented the actual employment outcomes of the program. 

It is also pertinent to note that, as a result of legal actions taken against the school for similar fraudulent activities, federal student loans have been dismissed for many students. However, this relief has not been extended to private loans like mine. This discrepancy has left me, and others who were similarly misled, burdened with significant debt under false pretenses. 

Given the school 's history of deceptive practices, which have been acknowledged and rectified in the case of federal loans through court decisions, I am urging the CFPB to consider the implications for students with private loans. I am more than willing to provide any documentation upon request to support my claims and assist in this investigation. 

I appreciate your immediate attention to this pressing matter and look forward to your assistance in achieving a fair resolution that considers the deceitful circumstances under which these loans were procured. 

Thank you for your prompt response to this urgent issue. 

Article regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I am writing to formally lodge a complaint against the credit reporting agenciesXXXX Equifax, and XXXXfor their refusal to disclose the method of verification for disputed public record items on my consumer credit file. This refusal is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that credit reporting agencies must provide consumers with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

Despite my repeated requests, the credit reporting agencies have not provided adequate information regarding how they verified the public record items on my credit report. This lack of transparency has significantly hindered my ability to rectify inaccuracies on my credit report and ensure that my credit profile is accurate and fair. 

Furthermore, I possess a letter from the Bankruptcy Court in XXXX, Maryland, which clearly states that they do not report to the credit agencies, nor do they verify and validate public record items on credit reports. This letter directly contradicts the credit reporting agencies ' claims of verification and raises serious concerns about the legitimacy of their verification processes. 

The specific provision in question, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), states : > A consumer reporting agency shall provide to a consumer in writing not later than 15 days after receiving a request from the consumer, a description of the procedure used to determine the accuracy and completeness of the information disputed by the consumer, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I respectfully request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA requirements. If the credit reporting agencies are unable to provide proper verification of the disputed public record items, they must immediately remove these items from my consumer credit file. The US Bankruptcy Court has made it clear that they do not report to the credit reporting agencies nor do they verify or validate such information. 

I urge the Consumer Finance Protection Bureau to hold the credit reporting agencies accountable for their obligations under the FCRA and to ensure that consumers are provided with the necessary information to dispute inaccuracies on their credit reports effectively. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (GA)

Information showing on my Consumer Report is incorrect, I do not have an account with these companies, XXXX XXXX XXXX and SELF Lending, they are sharing my unauthorized information to a Consumer Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ). 15 USC 1681 ( b ) - Permissible Purpose of Consumer Reports- Any Consumer Reporting Agencies my furnish information under the following circumstances and no other : ( 2 ) in accordance with written instruction of the consumer to whom it relates. I do not have accounts with these companies, nor did I give written consent for my information to be shared with Consumer Reporting Agencies. This is causing harm to my livelihood and damaging my credit worthiness This is a violation of my rights, I have a right to my privacy
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

My entire life I only studied and took student loans for two colleges, and the two colleges are XXXX XXXX XXXX College District  ( XXXXCD ) and XXXX XXXX University  ( XXXXU ). I studied and took student loans for no other college in my entire life. All of my student loans are either currently in deferment or forbearance status. I have several student loans over several semesters between the two colleges that are bundled together ; then come along this lone student loan as an outlier. I only signed up for government aid and not private student loans. I suspect this student loan was made out of fraudulent activity. This is not my obligation. 

This student loan is from XXXX  Federal Perkins Loan Servicer with a principle amount of {$3000.00} and a current balance of {$3600.00}.