davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

Chase runs a promotion for XXXX XXXX back on the Freedom credit card. I activated the promotion and spend {$1500.00} in the bonus categories for the period XXXX 2018, and Chase is denying that I ever activated it. They will not issue the bonus points.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was told I would be receiving a wire transfer ( worth {$2600.00} ) on the XXXX of XXXX equivalent to the monetary value of the total amount of unused PTO I had accrued prior to being laid off. It has now been more than 4 business days and neither my personal bank ( XXXX XXXX ) nor my employer ( XXXX XXXX XXXX ) and their bank ( Bank of America ) seems to know where my funds are as they funds have still not yet reached my bank account. I have sent numerous emails to my employer explaining the situation and have contacted both XXXX XXXX ( receiving bank ) and Bank of America ( sending bank ) to no avail. In addition, I have emails stating the amount of money I am owed for my PTO and when it was claimed to have been sent. I also have a supposed receipt of the wire transfer from Bank of America provided to me by my employer.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question. 

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 

This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.
Consumer complaint received 2023-12-05
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. (MA)

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. 

XXXX XXXX XXXX {$6000.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Account Information : AVANT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Account Number : XXXX Account Opening Date : XX/XX/2024 AVANT LLC Complaint Details : Subject : Billing Error Complaint Pursuant to 12 CFR 1026.13 ( a ) Dear Consumer Financial Protection Bureau , I am writing to file a complaint regarding a billing error with the account I have with AVANT LLC Please find below the relevant facts and details pertaining to my complaint : Account Opening : The account in question was opened on XX/XX/2024 with AVANT LLC using my personal identification and credit card information, as defined in 15 U.S.C. 1602 ( l ).

Definition of Account : As per 12 CFR 1002.2 ( a ), an account refers to an extension of credit. In relation to an account, the term 'use ' refers only to open-end credit. 
Payment History : Since the account opened in XX/XX/2024, I have consistently paid a monthly bill to AVANT LLC online using my personal debit card information. 
Receipt of Statements : I have received several statements from AVANT LLC, which include attempts to collect an alleged debt for the account number XXXX. 
Billing Errors : I have reason to believe that all past, present, and future billing statements received from AVANT LLC constitute billing errors under 12 CFR 1026.13 ( a ). This belief is based on the fact that these errors date back to the account opening in XX/XX/2024 Request for Resolution : I kindly request the CFPB to investigate this matter and direct AVANT LLC to : Correct the billing errors on my account. 
Cease any further collection efforts related to the alleged debt. 
Provide a detailed explanation and resolution to the billing errors identified. 
I have attached copies of relevant statements and correspondence for your review. Your prompt attention to this matter would be greatly appreciated. 
Thank you for your assistance. 
Sincerely
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

So Experian continues to violate all FCRA rules, they want to make there own rules when it come to my rights, I have a bankruptcy on my Experian report that is % XXXX incorrect but they still choose to report it as so. XXXX and XXXX have reviewed my request and have removed and updated my report with no problem, But Experian wants to make its on rules and keep Violating my consumer rights, well this needs to stop and get resolved ASAP.
Consumer complaint received 2024-05-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SUN WEST MORTGAGE COMPANY, INC. (GA)

The companies underwriters are trying to get me to pay a closing cost I dont have because my co-signer has only XXXX in savings. Additionally they ask for {$3500.00} for closing now they want {$14000.00} and they want bank info statements for XXXX XXXX isnt here yet also Im in the state of Georgia closing cost for FHA loan dont exceed {$2700.00}.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I used to subscribe to a family credit monitoring service by Equifax for many years. Although Equifax was hacked in XXXX, I decided to keep my subscription. 
In XXXX of XXXX, I called customer service and asked for help adding a two-factor authentication step to my login to improve the security of my account. After a long conversation, I was told that Equifax does not offer that feature! I told the representative that even my XXXX email account has that feature! You would expect a credit bureau to have the highest cyber security levels, at least more so than an email platform! I asked the representative to raise my concern with Equifax leadership and get back with me. My concern was never addressed and I decided to terminate my subscription. I can still log into Equifax to manage my credit security freeze, but I have much concern about the security of my account without the two-factor authentication. The other credit bureaus ( XXXX and XXXX ) do have that added security feature, which is appropriate. I think Equifax must improve their online security to meet the modern day cyber threats! I receive notifications from XXXX about cyber breaches that may affect my personal information at least once a month! Every organization is getting bombarded with cyber attacks! It is simply unacceptable for a credit bureau to have lower standards of cyber security than my email account! That's just wrong!
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

I had a XXXX account on my credit report ... and they collector sent me a email saying to settle this debt in full all I need to pay was XXXX, so I paid it and they never ever removed it from my credit and I disputed it three times and XXXX says the debt has not been paid... I have bank statement, email from the collector, and confirmation receipt that it was paid ... and they refuse to change the status as paid, this has been going on for three months... I have no idea whats going on but this world has become full of liars and crooks.. Please look into this.. and if you can do anything to help me I would be very thankful.
Consumer complaint received 2023-11-01
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: TD BANK US HOLDING COMPANY (AZ)

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

This is what reflects on my XXXX XXXX  account along with my XXXX account as of XX/XX/XXXX. Sunrise credit services acct. XXXX. It reflects that this acct. is currently Open, and was opened on XX/XX/XXXX and reported on XX/XX/XXXX. It states that this account has a past due balance of {$5900.00}. And account type is XXXX  Collections. Ive tried to locate this company thru XXXX  and there is no matches.
Consumer complaint received 2023-12-05
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (SC)

Reported balance {$500.00} Actual payment amount Date of last payment XX/XX/2023 Past due amount {$38.00} Account status Not more than three payments past due Date reported XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Balloon payment date Date of first delinquency XX/XX/2023 Balloon payment amount Amount past due {$38.00} Date of major delinquency reported Comments Secured Fixed Rate
Consumer complaint received 2024-05-19
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: CITIBANK, N.A. (TX)

The following inquires were added to my consumer report fraudulently : CBNA/THD XXXX CITIBANK NA/WAYMC XXXX XXXX XXXX CBNA/THD XXXXXX/XX/year>
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOLEDO FINANCE CORPORATION (TX)

Toledo finance corporation dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on l9ans of {$300.00} in 2024. And they are reporting to XXXX gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g US Military Veteran Customers for their XXXX XXXX/Job title and sharing that information to other persons for monetized gains unlawfully.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kikoff Inc. (VA)

There were several people who were involved in this scheme. Also I was a victim of identity theift and internet scam and hacking several banks and medical information also. I am getting bills asking for money for bills. Over charging for phone services. This is not all of what has been done.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (WI)

I have signed up for the XXXX XXXX and yet I was an updated on my plan. I received my billing statement and I can not pay it. I can not pay it because I don't make that much money in order to pay it off which will cause me to lower my credit score.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc. (CA)

1. I received communication from a random and unknown caller asking for the name of my person while I was enjoying time with my family. This call was an inconvenience as I had to step away from intimate time with them. 

2. When I asked who was calling and from what business or agency, the person calling gave me some acronym that I did not recognize and proceeded to ask for my name. Once I gave them my name, they said that they were attempting to collect a debt from me. I asked who it was again and they stated that they were " Grimm '' collections trying to collect on some medical or dental account. 

3. I then asked how did they acquire my name, number, or any information whatsoever without my permission or consent to which they proceeded to probe about some alleged XXXX XXXX XXXX  debt and asked " how I would like to pay ''. 

4. I do not see any connection between myself and this company. I do not recognize Grimm Collection as anyone I've personally done business with nor do I owe them any sort of legal obligation. 

5. I have reasons to believe HIPAA laws may have been violated by Grimm 's collections and whomever may have given them some sort of private XXXX transaction history or information because I never delivered that to them personally. 

6. I know that collection agencies buy debts at pennies on a dollar and then trick or misrepresent or manipulate regular people into pulling their hard earned money out to pay their agency which they have no relationship, connection, contract, agreement, or arrangement. 

7. The aforementioned is an example of abusive, deceptive, and unfair debt collection practices utilized by debt collectors such as Grimm collections. 

8. Grimm Collections and the Consumer Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent. 

9. Any and all consent to Grimm Collection, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX etc. whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 

10. Grimm Collections abusive actions directly affect interstate commerce and do not promote any sort of protection.
Consumer complaint received 2024-05-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MI)

I wrote ED/NELNET to XXXX OUT the Biden-Harris XXXX XXXX XXXX XXXX XXXX The XXXX 's and he XXXX Department has ruled the XXXX XXXX XXXX plan can be OPT OUT. ED/Nelnet I want to OPT OUT the Biden-Harris loan XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

I recently had a dispute opened with Synchrony Bank regarding a transaction for {$740.00} for services that were not described and rendered. However, despite all of my efforts and providing them with more than enough evidence this world 's worst bank was not able to resolve or fight the dispute with the merchant. Now they have posted the charge back in my account as I owe the balance, when they opened the dispute, they also took away the 2 % reward I got with the transaction. 
A XX/XX/2023 back I called Synchrony Bank and spoke with the Manager named : XXXX  and he told me that he has to submit the ticket to back office and I should be getting those rewards back within XXXX billing cycle. 
However today i.e. XX/XX/2023, I received a letter saying that Synchrony Financial is unable to redeem rewards points and I have to go to online and click redeem rewards points. 
Now this clearly shows how intelligent and awake their team is and No wonder why they didn't fight the dispute because they did not want to do any work. My inquiry was very simple If they want me to pay the balance for that transaction based on the credit card rewards term, they should also post back the 2 % rewards that they took away and they are telling me that how to redeem rewards, seriously? 
I called back again today XX/XX/2023 and spoke with another manager : XXXX and informed him the same after wasting another XXXX hours on the phone he sang same song that he has submitted the ticket and I will be getting the rewards in XXXX billing cycle. I also requested a call back from him Manager or direct supervisor and he told me that it is not guaranteed. 
At this point I am simply amazed how the XXXX this bank still exists and ruin the customers life every day.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (VA)

My name is XXXX XXXX I am in the process of purchasing a home unable to do so Because a company call kikoff have to accounts opened in my name and information I. Have file a police report XXXX report numbers XXXX that I have nerve open or known of. I'm requesting assistance with this matter. I'm also bringing this to your attention so nothing else from this company will be on my record. Please contact me at XXXX thank you in advance