davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
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. (VA)

XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit bureaus.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

My student loans were services by FedLoans for the PSLF program. I started working a qualifying employer in XXXX but them switched an began working for a state government agency in XX/XX/XXXX consistently. At that time I had finished my XXXX XXXX XXXX degree and was starting my XXXX  program. I spoke with FedLoan regarding the process for the PSLF program and if I would begin making payments on my loan at the time I started working for the state would those payments count. I spoke with 2 different representatives and both informed me that my payments would not count because I would have to consolidate all of my loans prior to starting my PSLF. So they kept my payments in in-school deferrment while I attained my XXXX. I continued to work for State Agencies throughout that time and finished my XXXX  program in XXXX. I then consolidaeted my loans and began my PSLF program. Each year since XXXX, I have submitted my PSLF certification and it reflects my time from XXXX but none of the time counts due to it not being in payment status even though I asked repeatedly if this time would count and was given false information. 

I also have inquired about the months of XX/XX/XXXX and XX/XX/XXXX, as these payment were not counted towards my forgiveness time even though I made payments these month. For XX/XX/XXXX, it states no bill was due at that time, but there was and I made my payment that month. For XX/XX/XXXX, On the system it reflects that my employment was not certified even though they have the applications and have approved my employment during his time period.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater.

As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance. 
Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.
Consumer complaint received 2023-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On my Bank of America XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, there was an unauthorized charge of {$980.00} charged by XXXX XXXX XXXX on XX/XX/22. I noticed the fraudulent charge later that night and reported it to Bank of America right away. Bank of America told be to relax and issued me the credit. They canceled the old card and mailed me a new one. 

However, after a week, I see the amount of {$980.00} came back to my account for no reason. I called the bank again, and they told me after their investigation, they decided it was a valid charge ( but It was not since I never used the card ). I let them reopened the fraud claim, but never heard back since then, and the charge was still there.
Consumer complaint received 2023-10-10
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. (TN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-04-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Prosper Marketplace, Inc. (VA)

Ive continued to request for a manger to contact me but they seem to never be on duty. I never get calls from them. Ive asked to be able to pay online and gave my balances available with a valid due date but no one will provide me with this information. Today I told them that Id pay off my account if they credited back my late fee, as Ive been told that I have different due dates by two different representatives. Instead of taking my payment, the representative hung up on me. These people are not interested in getting this paid. They misrepresented the due date and now they wont help me pay off this account. I have no online access so Im in the dark on how much I owe and when.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (PA)

I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (TX)

After I paid off my loan, Bridgecrest had told me they had released my title to another creditor XXXX years earlier. They do not have the title and still continued collecting money and didnt tell me that my title was sent to another financial institution. I paid off my car on XX/XX/XXXX for the remaining balance of {$2700.00} but the total was replaced and sent to another financial institution on XXXX XXXX
Consumer complaint received 2023-10-10
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. (LA)

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IN)

My mortgage was sold to Nationstar Mortgage by XXXX. I received notice from XXXX concerning the sale, but never received the information about my loan from Nationstar. After many phone calls, this was straightened out, however Nationstar is not honoring the repayment terms according to my original loan. I have electronic payments automatically sent twice a month with a total that exceeds my payment. Nationstar consistently holds the funds without applying them to my account. They then repeatedly contact me falsely claiming that they have not received any payments.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (TX)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Consumer complaint received 2023-10-10
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. (TN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-10-10
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. (NC)

I was given an electronic Vanilla Visa Gift Card for {$200.00} as a gift from work. I attempted to use it at XXXX. It wouldn't process it. I attempted to use it on XXXX, it wouldn't process it. I called XXXX and they stated that this was due to security reasons. I requested to speak with a supervisor, she stated they would tell me the same thing and that I should just keep trying to spend it at other places. This is an electronic gift card not a physical gift card, using it a physical location is prohibitive.
Consumer complaint received 2023-10-10
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. (MI)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

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 XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX 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're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required XXXX XXXX XXXX is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (UT)

I obtained a Solar Loan from Dividend Finance through a local contractor called XXXX XXXX XXXX in XXXX XXXXXX/XX/year> for {$65000.00}. This loan was for 25 years at a 1.99 % rate. I was told that this loan would cover the solar system and it included a cash back amount of {$25000.00} Dollars. Additionally, I was informed that this loan would not come into effect until the Solar System would be operational meaning it had passed city and utility inspections. XXXX XXXX started work on the property XXXX months later. They showed up to the property unannounced and with the wrong equipment I sent them away. While I was out of town they showed up to install the system with the wrong panels. The panels miss matched. I also did not authorize the installation. A few weeks later Dividend Finance started charging me the installments on the loan with the system still not operational. XXXX XXXX informed me that they had not funded the loan. I have been paying the {$180.00} a month for close to a year. XXXX XXXX XXXX has filed for bankruptcy I sent a report to the state contractors board and filed a police report. I never received the {$25000.00} and upon talking with Dividend finance I learned that XXXX XXXX XXXX submit a different contract with a different total amount for {$55000.00} I never signed such agreement. I provided Dividend Finance a copy of the police report and the contractors board report. They have been conduction an internal investigation for months without giving me a resolution. I have asked to have the loan canceled and the abandoned panels removed.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

AMAZON OFFERS A ( {$150.00} AMAZON GIFT CARD ) TO THOSE WHO APPLY / GET THE AMAZON PRIME CREDIT CARD.. I applied for the Amazon CREDIT CARD, and was approved BUT Amazon did NOT send me the {$150.00} GIFT CARD. I called Chase and Amazon and both told me to talk to the other. Nothing was resolved, I was tricked into applying for a card based on a LIE.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This creditor XXXX XXXX is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, XXXX, XXXX and Experian. XXXX has removed the late payment. But XXXX and Experian has not. I ask that XXXX and Experian remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I am repaying my federal student loans through Aidvantage. They didn't take my payment in XX/XX/2023 and didn't take it again in XX/XX/2023. I tried calling them, was put on hold and no one answered. I have my bank account number and routing number correctly added as the payment method. Aidvantage is not accepting my payments and is charging me late fees.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (NJ)

Brought some items from offline from a store call XXXX XXXX never received the product nor is they trying to refund the amount was {$35.00} I transferred {$36.00} to anther card on XX/XX/XXXX cause it wouldnt accept my regular card so the purchase went through on that day the company said its being shipped but its not I checked for a tracking number from where I live an they couldnt provide me with one the postal couldnt track with the number they provided me with
Consumer complaint received 2021-07-31
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: Experian Information Solutions Inc. (GA)

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

In XX/XX/year>2024, I went into my online account for XXXX XXXX through Commenity Bank. On XX/XX/XXXX, I paid the full balance on my account which was {$44.00} and was due by XX/XX/scrub> 2024. On XX/XX/XXXX, when the billing cycle was closed, I was charged {$2.00} minimum interest fee. I did not receive a new statement after this, and I didnt look at my account online because I was expecting a {$0.00} balance on account. On XX/XX/XXXX I was charged {$2.00} late fee, on XX/XX/XXXX I was charged a {$2.00} minimum interest. Again I had not received a new statement and did not look online at my account, expecting it to have a {$0.00} balance. When I called the company, they stated they could not talk to me about account because it was past due and transferred me to another group at Commenity Bank, which would not answer the phone or I was on hold for an hour. XX/XX/XXXX, I was changed a late fee of {$6.00}, XX/XX/XXXX I was charged another {$2.00} minimum interest, on XX/XX/XXXX I was charged a {$14.00} late fee and on XX/XX/XXXX I was charged another {$2.00} minimum interest. I sent a letter in XXXX explaining my concerns, still had not received a new statement, but I had checked online and tried resolving the issue by phone. On XX/XX/XXXX I was charged a {$30.00} late fee, on XX/XX/XXXX I was charged another {$2.00} Minimum interest fee. On XX/XX/XXXX they did a refund of the {$30.00} late fee and a refund of {$0.00} for interest. I called again, this time I did speak to someone at Commenity Bank and explained my concerns. They explained that the full balance had to be paid for 2 consecutive months for minimum interest to not be charged. I stated I was willing to pay the original {$2.00}, charged after I paid the entire balance, but they refused to refund any more late fees or interest on account. I would be willing to pay the charges due, but not the entire balance of {$31.00} due on account. They refused again.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In accordance with the fair credit reporting act this creditor XXXXXXXX XXXX has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.