davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (NY)

After I graduated college in XX/XX/2014, I had problems finding employment for a year. Despite being unemployed I had to pay XXXX XXXX in order to put the loan on deferment. I had to pay {$150.00} dollars every three months for a year. After my deferment period ended, I informed XXXX XXXX I could not afford the {$500.00} dollars monthly payments. The company refused to work with me and reported late payments on my credit report. XXXX XXXX late payments is effecting my life in a negative way. Despite me having a great credit score, I  can not apply for mortgage or new lines of credit. In the past I have submitted dispute letters to remove the late payments, but the company refuses to do it. I really tried my best to work with the company and because of their unfair practices I am suffering emotional. I feel the company has unfair practices, other student loan companies does not require individuals to pay for deferment and once you run out ; you must pay the amount each month. Many former college students are going through the same abuse and harassment from XXXX XXXX. I feel the government should regulate XXXX XXXX unfair practices because they are damaging many consumer lives.
Consumer complaint received 2023-11-17
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I had a conversation with Chase Credit Card Services supervisor named XXXX. Their number is XXXX. I disputed a charge I found on my credit card statement that I did not make nor recognize in the amount of {$230.00} at XXXX. I advised XXXX that I still had possession of my card but did not ever recall making that transaction of {$230.00} at XXXX. Ultimately he advised that the charge would stand as valid and I would be responsible for the charge. This is completely wrong. I should not be responsible for charges I did not authorize. He claims that the card has a chip and it was used in store and it is next to impossible for the card to have been used fraudulently. I was offended as it feels as if I am being accused of being a liar and my credit card company is unwilling to assist me in resolving this issue. I am adamant that I did not make this charge and would like for it to be removed as this was fraud. As an XXXX XXXX too often we are not given the benefit of doubt and not deemed not trustworthy even if the dollar amount is so insignificant. I am an upstanding individual with excellent financial record with Chase Credit Card and its quite disappointing to have been treated so unfairly. I am seeking CFPB support to resolve this dispute as I have been honest and did my part to report unauthorized activity on my card in a timely manner. Chase Credit Card purports to offer XXXX liability on fraudulent charges but it seems like it only applies to card holders of certain demographics. This is XXXX and this type of discrimination and arbitrary application of good will is wrong.
Consumer complaint received 2023-09-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IL)

I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX  a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX  I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase processed and cashed a forged and fraudulent check issued against my companies bank account with XXXX XXXX XXXX  in the amount of {XXXX on or about XX/XX/year>. 
JP Morgan Chase was notified by our local bank XXXX XXXX XXXX  in writing on or about XX/XX/year> after failing to respond to multiple phone inquiries. 
To date, JP Morgan Chase has refused to respond to peoples South or local authorities regarding the fraudulent transaction or take any corrective action. Nor have they refunded the funds as requested.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

For weeks in XXXX all Comenity avenues for paying Comenity credit card bills and accessing accounts were 100 % down and inaccessible. When they were finally back online, my XXXX credit cards with them ( XXXX and XXXX XXXX XXXX ) both had late fees added even though the late payments were due to their outages. For months, Comenity continued adding additional fees and interest onto those late fees. Comenity proceeded to harass me by phone - calling multiple times a day every single day, for months, to " collect this debt ''. I told them to stop calling me and that the only communication I would accept from them would be through mail, in writing, so I could have a paper trail. They stopped calling, but never sent me anything ; however, my bills continued to grow and accrue new fees and interest. In XXXX XXXX XXXX, I submitted a complaint through the XXXX  website with this information and requested that these wrongful fees be removed, that I receive clarification on the final amount I owe ( minus those fees ), for the derogatory remarks to be removed from my credit report, and for both accounts to be closed. 

Finally, on XX/XX/XXXX someone from Comenity thankfully finally responded to me by mail as I had been asking and fulfilled my request entirely. The wrongful fees were removed, the derogatory remarks were removed from my credit report, I was given an accurate payoff amount for my XXXX card ( the XXXX XXXX XXXX card was at {$0.00} ), and both accounts were closed. On XX/XX/XXXX, I paid the agreed upon amount and brought the account to {$0.00} and thought this was finally all over... 

Until I started receiving " Your account is past due '' emails again a couple of months later. As it turns out, Comenity had added ANOTHER {$2.00} " late fee '' to my paid off {$0.00} balance on my XXXX statement. This {$2.00} late fee has been accruing new fees and interest ever since. I sent a secure message to Comenity through my online account with them on XX/XX/XXXX asking them to make this right and decided to also go back to XXXX  since that helped to resolve things the first time around. Unfortunately, their response to me on XX/XX/XXXX by mail, and an even longer online response on XX/XX/XXXX that I just saw right now, is saying they can't remove these fees because " my account is closed ''. They are saying that if I don't pay the current balance ( consisting only of their fees ) of {$180.00}, that they will continue to tack on more interest and fees. 

I am very exhausted from dealing with Comenity. This dispute has been ongoing for almost XXXX years now and I just want it to end. I don't owe even a XXXX of this and am at a loss of what to do anymore. I just want them out of my life.
Consumer complaint received 2024-04-05
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. (NY)

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 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC (MI)

XXXX XXXX XXXX filed a judgment with against my social security number incorrectly, they were attempting to collect a debt for another individual with a different name. This cause the XXXX XXXX XXXX to erroneously garnish my tax refund, which they eventually released when they noticed the error. 

XXXX XXXX XXXX have refused to contact us back to fix this issue, and it appears this is an ongoing practice of theirs according to the reviews from other consumers.
Consumer complaint received 2023-09-13
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 then records of convictions of crimes which antedates the report by more then 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 2023-09-13
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. (MD)

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
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: WELLS FARGO & COMPANY (MD)

" Wells Fargo Bank Is Violating 15 U.S. Code 1681 ( a ) ( 2 ) ( a ) ( i ) My Furnishing Fraudulent Data about Late Payments On my Credit Report Which is In Direct Violation of 15 U.S. Code 1681 under Exclusions of Transactions and Experiences Between Two Parties ''
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit report act, has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 .it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX 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 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (FL)

XXXX I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Subject : Credit Card Application Decline and Violation of Consumer Law MANAGER/CEO /COO I hope this letter finds you well. I am writing to express my disappointment and concern regarding the recent decline of my credit card application with your esteemed institution. I believe that my application was unjustly rejected, and I would like to bring to your attention a potential violation of consumer law. As a responsible individual, I have maintained a good credit history and have promptly met all my financial obligations. Therefore, I was surprised to receive a notification stating that my application for a credit card had been declined. I followed the necessary steps, provided all the required documentation, and fulfilled the eligibility criteria outlined by your bank. Upon reviewing the reasons for the credit card decline, I was dismayed to find that the decision was based on discriminatory grounds, which is in violation of consumer protection laws. The Equal Credit Opportunity Act ( ECOA ) prohibits creditors from denying credit to individuals based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. I firmly believe that my application was declined due to factors unrelated to my creditworthiness, but rather due to unlawful discrimination. I kindly request that you provide me with a detailed explanation for the denial of my credit card application, specifically addressing any potential violation of consumer protection laws. I also urge you to reconsider your decision and reassess my application based solely on my creditworthiness and financial history, as is required by law. If it is determined that my application was indeed declined in violation of consumer protection laws, I expect appropriate action to be taken to rectify the situation. This may include providing me with the opportunity to reapply for the credit card or offering suitable compensation for the inconvenience caused. I would like to remind you that as a consumer, I am aware of my rights and will not hesitate to seek legal recourse or report this matter to the relevant regulatory authorities if necessary. I trust that your esteemed institution values its reputation for fair and ethical practices and will take the appropriate steps to address this issue in a timely and satisfactory manner. I kindly request a prompt response within [ a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. You may reach me at the contact details provided above. I would appreciate your attention to this matter and a swift resolution. Thank you for your immediate attention to this serious concern. I look forward to your prompt response. Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-10-05
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. (TX)

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 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NV)

THIS DEBT IS NOT MINE. PLEASE SEND ME ORIGINAL COPIES WITH ANY WET SIGNATURES AND PLEASE SEND ME A NOTARIZED COPY SWEARING UNDER PENALTY OF PERJURY THAT YOU WERE PRESENT DURING THIS ALLEGED DEBT. 

IM ALSO REQUESTING THE METHOD OF VERIFICATION AND FULL DISCLOSER AND WHO YOU SPOKE TO, NAMES, ADDRESSES, PHONE NUMBERS.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I did receive a timely letter dated XX/XX/XXXX from XXXX XXXX XXXX that my account ending in XXXX was sold to LVNV Funding in the amount of {$710.00}. I ignored it as a scam, or someone trying to get personal information. I never had a bank application from XXXX XXXX. I never made a transaction. I never received a monthly statement or bank card from XXXX XXXX. My wife nor I had no such account. 
I did receive a timely letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating LVNV is offering me a discounted offer of {$700.00} in 6 payments of {$110.00}. 
I did receive a timely letter dated XXXX XXXX, XXXX from XXXX and XXXX XXXX. stating I owe LVNV {$840.00}. 
These 3 letters are the only items I received, I received no emails and filed them with a picture of my XXXX XXXX XXXX bank card with my account ending in XXXX that expired in XXXX XXXX. 
I received a garnishment letter from my employer on XX/XX/XXXX in the amount of {$960.00} ( incl. court costs ). I requested a hearing, it was on XXXX XXXX. The Magistrate at my Municipal Court didn't provide me any more information than I provided here. I didn't see anything he had except he showed me a sealed certified letter that had my name and address on it. He said the prior Judge XXXX signed the order in XXXX and there is nothing he can legally do. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was polite and said a Debt Verification letter will be mailed and to call back when I receive it to explain what I'd like to from there. I called back on XX/XX/XXXX because I haven't received it. She said I should have received on the XXXX. 
I called XXXX and XXXX on XX/XX/XXXX to request a Debt Verification letter. 
As of XX/XX/XXXX I still haven't received a letter.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

I made timely payments for XXXX XXXX in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from XXXX XXXX. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

Money Lion promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.
Consumer complaint received 2023-10-05
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.