davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX XXXX : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (IA)

I am requesting a copy ( dated ) of every communication that was sent via mail and email to me on the alleged debt. 

I would like verify the validity of the this debt, any corresponding charges and ledger on this account. I would also like a copy of ALL documents related to the signed contract for this debt and any contract between the collector and the company who performed the repossession. These documents will need to be dated with the address to which they were sent. 

This company has provided me nothing, filed lawsuit and pursed garnishment without providing me the opportunity to validate any of this debt.
Consumer complaint received 2023-09-26
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. (NY)

1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the accounts in question is XXXX XXXXXXXX XXXX XXXX  Account number XXXX Reporting to ( XXXX, Equifax ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

2 ) XXXX XXXX XXXX XXXX Account number XXXX Reporting to ( XXXX, Equifax ) has my address listed as XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  NY XXXX is inaccurate and I have never resided or collected mail at this address. 

XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports. I am requesting that this account be removed from my reports. for damages for violating my consumer rights and perpetration fraud against me, destroying my personal credit, and preventing me from obtaining a Home mortgage, consumer financing, and business financing.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

XX/XX/2023. On XX/XX/XXXX i made a payment to my balance and assumed the payment would go to principal since the payment due date is not until XXXX XXXX however, the payment of {$500.00} was paid directly to all the interest. I see that this is a problem and loans will be very difficult to pay off if payments made on the account will go to interest first.
Consumer complaint received 2023-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (WI)

PROFESSIONAL PLACEMENT Account XXXX I asked this company to provide proof of the Account and they have refused to. I have multiples accounts reported wrongly by them. They should removed that from my credit report and not to sell the account to another Collection Agency. I worked in collection a long time ago and I know how they operate.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Hello, I had a credit limit of {$40000.00} dollars and I got an XXXX  Notification saying my credit score took a hit due to one of my card limits getting decreased significantly to {$30000.00}. 

I have my personal checking, savings account, home mortgage, additional checking account, a custodial account for my daughter and I have XXXX credit cards with JPMorgan Chase. 

It doesn't make sense to me how they lowered my credit limit because I make my monthly payments on time and I pay more than the required payment amount. 

I would appreciate it if you can look into this because my credit score decreased by XXXX points overnight which isn't fair at all. 

I appreciate your help and support. 


Warm Regards, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (CA)

oportun states that loan # XXXX was never fully paid off and that i owe {$150.00} it appears on my credit report twice. This amount was paid off on XX/XX/year>. Also its on my credit report for more then XXXX  years. I have a recept from in store payment that was done. If this loan was never paid off they would of never granted me another loan after and i did receive XXXX because i was in good standing on previous loan
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

I was robbed and assaulted in XXXX, XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX at XXXX am. The individuals watched me enter in my XXXX passcode on my device, and stole it while it was open. Within XXXX minutes of the robbery, they changed my XXXX password and locked me out of my account and device permanently. With this change, they were able to have full access to my banking, financial information and Apple Pay cards ( XXXX, Apple Card, etc. ). One of the charges they completed was at the XXXX XXXX  on XXXX XXXX ( open XXXX hours ) for {$6900.00} on my Apple Credit card with Goldman Sachs using Apple Pay. It was around XXXX am they went to the store and fraudulently made this charge without my permission. I have filed a police report with the XXXX, have a case number and documentation from the detective which details the robbery and assault. I also filed a complaint with the FBI, as these individuals tried to steal more than {$50000.00} from me and {$5000.00} from another account, and {$700.00} from another account ( which were all resolved successfully - I have my money still ). 

Goldman Sachs has successfully returned another fraudulent charge they made for {$72.00}, but not for the {$6900.00}. I did not make this charge for {$6900.00} and Goldman Sachs has denied my claim, saying that the charge will remain on my account. I have provided them the FBI report and XXXX  report. I now have another piece of documentation from XXXX which confirms I reported my phone as stolen which includes the IMEI number. The XXXX also has this information as well. 

Goldman Sachs said to include the FBI and XXXX report as proof when I initially called which are screenshots in the attached file. I can give the name of the XXXX detective if necessary. I also can provide the other fraudulent charges they did on other cards and accounts if it helps verify the legitimacy of this robbery and crimes they committed against me, which the XXXX is aware of ( I sent them everything )
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (LA)

They reported that I was late paying them for XXXX. The payment is due on the XXXX I got my bill on the XXXX of the month thats when I sent it back to them they cash the check on the XXXX. The lady I talk today side they didnt send the later charges in but it show up on my Credit report. And she said that they dont send that and till it 30 days late. I not 30 days late. So would youll please take that off my credit report
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TO WHOM IT MAY CONCER, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. 

The inaccurate entry is as follows : Acct Name : XXXX XXXX XXXX Account # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX  XXXX Acct # XXXX Date of Charge-Off :XX/XX/XXXXAcct Name : XXXX XXXX XXXX Acct XXXX XXXX Date Of Charge-Off : XX/XX/XXXXAcct Name : XXXX XX/XX/XXXXXXXX Acct # XXXX Date Of Charge-Off XXXX XX/XX/XXXX Acct Name : XXXXXXXX XXXX XXXX Acct # XXXX Date Of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

Experian requested that I send documents for identity theft, I did send them through their website, their upload system doesn't seem to work well. I am sending them again to address the identity theft issue on my credit file reported by XXXX as they requested via email today..
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-01-19
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 (FL)

I was gifted an Electronic American Express Gift card ( card ending XXXX ) from my employer with a value of {$250.00}. I registered the card and have not been able to use the card at any retailer ( online or in person ). I called American Express and they advised me that many retailers no longer accept the card. I asked if they could send me a physical card to present at a store, in the hopes that it would alleviate the issue- I was advised they could not. I now have a card that I can not use.
Consumer complaint received 2023-04-12
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. (GA)

I have contacted XXXX XXXX XXXX  and asked that they update my information and remove this account, it has been paid out but still has a negative affect on my credit profile.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (MD)

On multiple occasions, Cash App has deactivated/ disabled features on my account. Just today aXXXX XXXX XXXX on XX/XX/year>, they have disabled the feature in order to get direct deposit. So now I can not receive paychecks from my job. I do have a sponsored account, but every week they are asking me to verify my identity.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX at XXXXXXXX XXXX I was contacted by a number that was the same as chase bank ( XXXX ) XXXX ) it was the same number that is on the back of the chase card but it said potential spam but I thought it was chase because it was the same number they told me there was potential fraud on my account and said they are going to send me a text the text I received was a fraud text for {$1000.00} dollars and they told me press yes and when the call ended there was 4 {$1000.00} withdrawals which doesn't make sense because my daily withdrawal limit is {$1000.00} per day so I don't know how they were able to take out 4 seperate {$1000.00} withdrawals. I don't know if it was a chase employee or a scam I filed a claim with chase and they denied my claim because they said I authorized it and told me to send proof that it was not me so I went to a chase branch and submitted proof ( the fraud email and screenshot of the incoming spam call with the chase number ) and filed an insertion claim with the evidence and they denied my claim again saying the evidence was insufficient and their hands are tied and when I asked to speak to a manager they said no and that there was no supervisor available to speak with me
Consumer complaint received 2018-02-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc. (CA)

On or around XX/XX/XXXX, ACT and I agreed to a 10 month rehabilitation repayment agreement where I was to pay {$5.00} a month beginning XX/XX/XXXX and due every month thereafter on or around the XXXX of each month. This repayment plan agreement was entered to help get my student loan debt out of default as my wages are currently being garnished. The agent I spoke with that set up the repayment plan explained that after 5 on time payments, my wage garnishment would be terminated. On page 4 of 6 of the agreement I agreed to and signed, bullet number seven, it states that " if you are currently subject to administrative wage garnishment, XXXX  or its authorized agent will suspend the garnishment after you have made five qualifying monthly payments under the agreement. '' All my payments to date have been made as instructed by the agreement and I have currently made 7 on time payments. The fifth payment was due in XX/XX/XXXX and my wage garnishment is still in place. It was never terminated as agreed per our agreement. ACT has currently illegally withdrawn 5 extra wage garnishments as my 5 month anniversary was XX/XX/XXXX. My fifth payment was made weeks before that fifth month anniversary. At the moment my fifth payment was received, ACT should have issued a termination of wage garnishment to my employer. That did not happen. Five extra garnishments were taken from my paycheck which I am demanding ACT issue me a refund of those 5 garnishments immediately. I have all my paycheck stubs and willing to provide the exact amounts, but I am positive ACT has the exact amount of all five of those illegal wage garnishments. I recently sent my XX/XX/XXXX payment along with a letter demanding ACT terminate my wage garnishment or I will hire an attorney to litigate this in court. I did not hear from ACT. I then called ACT on XXXX and left a message demanding ACT call me to discuss this breach of contract alleging ACT is in violation of UDAAP and FDCPA misrepresentation violations. A few hours later, I received an email from ACT informing me they have issued a termination of my wage garnishment to my employer and that they have confirmed my employer has received the termination letter. I appreciate the issuance of the termination letter to my employer, but I will not be satisfied until I receive the refund of 5 breach of contract wage garnishments. I expect this refund to be issued immediately. I am also asking for a reasonable amount of statutory damages for the UDAAP and FDCPA violations committed by ACT. I will seek legal representation if the amount of statutory damages is not a reasonable agreed amount. I have access to a team of FDCPA Attorneys and will not hesitate to escalate this dispute in court which would probably cost more than settling this dispute.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accuracy of the information being reported on my credit report regarding my account with XXXX XXXX, account # XXXX, which was opened on XXXX. The balance being reported is incorrect and the late payments being attributed to the account are inaccurate. However, I acknowledge that this is my account and I take full responsibility for its management. 

I have reviewed my records and can confirm that the current balance on my XXXX XXXX account is not as high as what is being reported. The balance being reported is {$53000.00}, but according to my records, the current balance on the account is significantly lower. This is reporting incorrectly.
Consumer complaint received 2024-01-21
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 (GA)

XXXX XXXX, called Amex to get info on why I can't use the card which is for the amount of XXXX dollars, they directed me to the Amex site to make my purchases then declined those purchases. Everywhere I try to use the card Amex declined the purchase not the vendors. So I feel as though Amex has taken my money and I get nothing in return
Consumer complaint received 2024-01-30
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 (TX)

I possess an Amex eGift card valued at {$1000.00} and have encountered issues trying to use it for transactions on XXXX and XXXX XXXX. Three attempts on XXXX ( on XX/XX/XXXX and XX/XX/scrub>XXXX XXXX XXXX ) and one attempt on XXXX XXXX ( on XX/XX/XXXX ) all resulted in failures. This aligns with similar complaints from customers regarding Amex eGift cards on various platforms. 

Amex eGift Card : Card Number : XXXX Expiration Date : XXXXXXXX XXXX example : https : XXXX