davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX XXXX, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card XXXX which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XXXX XXXX I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XXXX XXXX XXXX, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XXXX XXXX XXXX  Additionally, I proactively reached out to Bank of America by phone on XX/XX/, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (PA)

Security Credit Services - XX/XX/year> They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; 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 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  American Express National Bank XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Subject : Urgent Concerns Regarding Credit Denial and Investor Rights To : XXXX XXXX XXXX, XXXX, XXXX XXXX, and Investor Relations Department, I am writing to address a matter of utmost urgency regarding recent adverse actions taken against me by American Express National Bank. Despite my efforts to respond to the initial adverse letter and provide rebuttal, I received correspondence from XXXX XXXX of the American Express Executive Office, explaining that my credit application was denied based on my FICO score. 
As an Investor, I have expressed concerns regarding American Express 's failure to adhere to agreements filed with the Securities Exchange Commission and those outlined in various agreements found under Investor Relations on your website. 
Trustee Indenture agreement, I noted the statement " The Security Interest in the Collateral is granted to secure the Notes. ''The definition of Collateral includes '' All accounts, instruments, documents, etc., '' The Prospectus further explains how debt securities, including receivables, are pooled and converted into other types of debt securities, with interests and payments issued to the person whose name is on the debt security. Given this, my credit application, bearing my signature, constitutes collateral. 
I also discovered critical details in your Prospectus, particularly on page XXXX under the section " PLAN OF DISTRIBUTION. '' This section outlines various methods by which securities may be sold, including through underwriters or dealers, directly to purchasers, or through agents. American Express 's practice of denying credit extensions despite only purchasing underlying securities and selling them on the secondary market appears to contradict these agreements. 
Moreover, American Express attracts consumers and accesses trusts by way of their credit and social security numbers obtained through applications. Denying my application, provided in good faith, without equitable consideration on your part, may be perceived as securities fraud and identity theft. 
I kindly request immediate revocation and clear proof of this retraction or simply credit my account. Failure to address this matter satisfactorily will compel me to report American Express and any related holders to the U.S. Securities and Exchange Commission and FINRA. 
I anticipate your prompt attention and a satisfactory resolution to this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Equifax is reporting inaccurate information to my consumer report which is a violation of the Fair Credit Reporting Act. I only have one address and any other would be inaccurate. Any account that is being shown on my credit report that is not associated with my actual address should be deleted from my consumer report immediately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc. (LA)

i went to apply for a mortgage when i was notified about a closed collection on my account in the amount of {$4000.00} dollars to a company i never heard of and never done business with but that wasn't the only one i checked my credit score and it had dropped XXXX points due to a collection from a phone company i never used.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Between XX/XX/XXXX to XX/XX/XXXX, there were approximately 133 charges labeled as XXXX which were not transacted by me, nor authorized by me. I notified Chase when I realized this. The combined total of the transactions amounted to {$2400.00}. Chase reversed those transactions and credited my account as they investigated my claim for fraud. On XX/XX/XXXX, these charges were debited out of my account again and upon contacting Chase, was told there was not sufficient evidence of fraud. They told me that this was legitimately made through a digital wallet. I subsequently provided proof through my XXXX account as well as my digital wallet transactions to show that none of these charges showed up, nor did I use XXXX at any point during the period above. Chase continues to decline my claim without telling me what information they have obtained to determine that these transactions were valid. 

I've contacted XXXX and they told me that they couldn't find any rides associated with the phone number listed on the credit card pertaining to the " XXXX '' label which was XXXX. 

I have filed a police report and did some research online and found out that I was not the only one who fell victim to this " XXXX '' charge fraud. I found a website that indicated that the phone number above was a fraudulent number. Many people have complained about being charged as if it were XXXX, but it turned out to be a scam. I believe Chase should be investigating these charges with more diligence or provide me with more information that I can share with the police. They should be able to check the IP address of the phone used for these digital wallet transactions as well as the location of the charges that would help me further prove that these were not charges made by me. 

<Police report info> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (FL)

I bought a {$25.00} visa card from XXXX on XX/XX/XXXX and there was a XXXX dollar and {$3.00} activation fee that I paid as well. 
When I got home, I went to go open it and I called the number on the back to make sure it was activated and to check to see the balances there and after entering the card details it automatically sent me to support. All they could tell me is theres an issue with the card and they gave me an email address that I needed to send a list of different documents to. Ive done that and they said it would take XXXX to XXXX business days to review everything and get it fixed, which turned in the 30 days when I recently called to see if there was any progress. But of course there wasnt and now that I can go on their website and track my case its telling me that it probably going to take until XXXX, when it could be an easy fix. 
I would totally understand if I receive this card as a gift and had no proof of purchase, but thats not the case! 
Even though I sent them every document they asked for, which is pictures of the front and back of the card, my XXXX receipt and I even included pictures of the packaging just to make sure all my bases were covered. Theyre still telling me its going to take a while. 
My thing is why cant they just give me a new card that actually works especially since they have my receipt from XXXX showing that I paid for the item and the activation fee. It just seems like they wan na keep going in circles when it could be a simple solution, it was supposed to be a gift for my nephew and I cant even give it to him and I definitely dont wan na go buy another one, especially if this is gon na happen again or could happen again.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have XXXX student loans outstanding with a current balance outstanding of {$12000.00}. The servicer is Navient. The loans have interest of 4.3 % and Im set up for monthly auto pay. I have been paying {$140.00} monthly. I paid off {$2000.00} in a XX/XX/XXXX. I called Navient multiple times asking them to recalculate the monthly payment because I paid off a portion of the principal and interest accrues on the remaining principal balance. Since I paid off {$2000.00} and I reduced my principal balance, they should be reducing the monthly payment amount accordingly. Navient is refusing to recalculate and lower the monthly payment. The loans are all in an Extended Repayment - Level/Fixed plan and their scheduled payoff isnt until XXXX. Navients practice of continuing to bill me the same monthly amount and by planning to continue to do so until XXXX clearly violates how basic loan amortization works and are defrauding me as a consumer. They also make it really hard to contact. I contacted them 3 times in XXXX and every time I was on hold for more than 1 hour. The Navient rep who answered was eager to get off the phone and was quick to tell me they cant make any changes to the monthly payment. Even when I spoke to a supervisor, they wouldnt even listen to my explanation. I attached a screenshot showing the amount I paid off in XX/XX/XXXX and how the monthly payment is still the same. The loans were issued in XXXX and XXXX and I have been paying off monthly since XX/XX/XXXX without missing a single payment.
Consumer complaint received 2024-03-11
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: DISCOVER BANK (IL)

XXXX XXXX XXXX XXXX {$390.00} XX/XX/2023, I ordered a bedframe, which was returned on XX/XX/2023, via XXXX and I was never refunded, the merchant received it and signed for it. XXXX has been aware for a while and constantly states I would be refunded but have yet to receive it. I have tried reaching out to discover via mail to no prevail and even calling but every time I call it states my call cant be serviced. But they can respond when I ask them to waive a late fee on my account. XXXX picked up the package and I even have them on video taking the package. Tracking number is XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX {$520.00} on XX/XX/2023 I was only refunded {$20.00} on XX/XX/2023, XXXX on XX/XX/2023, only a total of {$100.00} has been refunded so far. 

I am unable to reach Discover, which I find to be an issue especially if I can not call and confirm if they received my mail too. 

{$420.00} I have been trying to dispute with them.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (FL)

I have been asking for a payment slip ever month payment made. XX/XX/XXXX XXXX XXXX XX/XX/XXXX all has to be paid by the XXXX of each month but no pay slip, and when I call in for the balance all ways changed.
Consumer complaint received 2024-04-17
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. (NC)

XXXX XXXX XXXX  ( {$30000.00} ) is not my collection or account & needs to be removed immediately. They have 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 an 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 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

During the COVID-19 lockdown, my student loans were transferred from Great Lakes to Nelnet. My first payment was due in XX/XX/XXXX, which I made on time. I then paid the following months bill, which was for the same amount of {$29.00} ( this is actually the amount shown on my Income Driven Repayment Annual Notice issued by Nelnet themselves ). As XXXX rolled around, I received a statement that said no further payments were due until XX/XX/XXXX ( this clearly was not correct, as I never overpaid or paid more than the minimum due ). 
I called Nelnet for what would be the first of many times, and they couldnt really give me a straight answer ; they just recommended paying the amount on my IDR Annual Notice even if my statements were inaccurate ( the first red flag ). I did just that, and now Im seeing a different payment amount for XXXX ( {$25.00}, which makes no sense given that my payments are supposed to be {$29.00} monthly ). AND apparently I owe nothing for XXXX somehow even though I havent paid XXXX yet. My payment amounts and due dates are NEVER consistent when I should be paying {$29.00} per month. To add to my confusion, I called Nelnet back where yet another unqualified customer support agent told me that my monthly amount due would change to around {$90.00} in the coming months. HOW? I received zero notice and their own IDR Annual Notice clearly states that my amount due is {$29.00} EVERY MONTH. In fact, what she says makes zero sense given my current income level and my repayment plan ; anybody can figure out their rough payment amount online, and mine certainly shouldnt be close to {$90.00}. 
I have a right to know what I owe, when I owe it, and why I owe it. Nelnet cant explain any of that to me. In an attempt to fix my account, theyve placed some of my loans under administrative forbearance and now my interest has BALLOONED over {$120.00} in just mere days ( there shouldnt be any interest accrual during Forbearance, let alone way more than my actual rate ). I have wasted hours and hours of my life trying to get some straight answers from this abysmal company and I cant bear to call them again because they have NO IDEA what they are doing over there. I NEVER had to call Great Lakes because they understood that paying a monthly bill shouldnt be a hassle. 

This company is ruining peoples lives. A quick search of recent complaints will tell you that NELNET NEEDS TO BE INVESTIGATED AND SHUT DOWN UNTIL EVERYTHING IS FIXED.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

The dealership told me I had to get gap coverage to finance my car after I signed a paper stating it was not required or it was voluntary for the loan and when I called the lender they said it wasn't required and I told the finance manager I didn't want to buy a car with gap coverage but would like to purchase extended warranty which they refused to do based on the mileage of my car. Is any of this legal? They also never signed the buyer 's guide nor did my cosigner.