davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CO)

I made a purchase with Affirm through XXXX XXXX XXXX XXXX XXXX. I returned that purchase in XXXX of 2023 in XXXX of 2023 I noticed that the affirm loan was still not pay off. I submitted via affirms online portal all the requested documentation and received no communication. Then in late XXXX I received a notice that I had not provided the requested info and the dispute was closed. Since I never received a request for additional information I raised the concern yet again. It was escalated with no follow up. 

Now affirm is reporting that I have a late payment but I have no way to make payments on the loan because its in dispute. It is affecting my credit worthiness with affirm and I fear they will report to my credit report.
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

To Whom It May Concern, I am writing to file a complaint regarding an unfair reversal of a retention bonus statement credit by American Express for my Platinum account ending in XXXX. 
On or about XX/XX/XXXX, I was offered a {$550.00} statement credit by an American Express customer service representative if I met a {$4000.00} minimum spending requirement within 3 months. According to my calculation, I met this requirement within the timeframe on XX/XX/XXXX, and the statement credit was applied to my account the day after. 

However, over XXXX months later on XX/XX/XXXX, American Express abruptly reversed this credit from my account. When I inquired, I was accused of " gaming the system '' because the XXXX XXXX merchant return was posted on XX/XX/XXXX instead of XX/XX/XXXX when the purchase was made. 

This return was due to a merchant error - I had to return an item and repurchase it when the merchant made a mistake in processing it. I completed this return and repurchase in good faith and met the {$4000.00} minimum spending as agreed. 
I find it unacceptable that American Express waited over XXXX months to reverse this credit without any notice. Their accusation of " gaming the system '' is baseless, unfair, and adds insult to injury. 
I fulfilled my end of the retention offer agreement in good faith. American Express failed to honor their end of the agreement and unjustly reversed the credit I earned. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention certain concerns I have regarding the communication tactics employed by Experian, one of the major credit reporting agencies, in response to a dispute letter I recently sent to them via certified mail. I sent a letter personally written and to Experian via Certified Mail using a service called XXXX as I am unable to physically visit a XXXX XXXX at this time. The company isn't the best and sometimes mixes documents however this letter was written and sent by me as clearly disclosed along with my personal documents for verification. 

In my written correspondence to Experian, I did not provide an email address for communication purposes, yet I received a response from them via email. This raises concerns about the privacy and security of my personal information, as I did not authorize them to contact me through this medium via the correspondence I sent. I in fact requested they provide information that would require they respond with written correspondence. Furthermore, the email response I received urged me to file my dispute through the Experian.com website or to call them directly. While I understand the importance of addressing disputes promptly, I find this approach to be forceful and potentially undermining the validity of my written correspondence.

I believe this tactic may discourage individuals from utilizing written communication and dispute procedures outlined by the Fair Credit Reporting Act ( FCRA ). It seems to create an undue preference for online or telephonic communication, potentially limiting consumers ' ability to maintain a documented record of their disputes. 

I will attach a copy of the letter I initially sent to Experian via certified mail for your reference. As well as the follow-up letter I am sending.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-24
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD, XXXX RE : inquiry removal While, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf.

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX Best regards,
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from Experian, XXXX, and XXXX I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- AccounXXXX XXXX XXXX, listed as a medical collection for {$830.00} with MEDICAL and currently in collections with XXXX XXXX XXXX. 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

Regards,
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Experian, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Experian. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Experian. 

Enclosed herewith is a copy of the most recent correspondence I received from Experian, dated XX/XX/2023. Contrary to their representation, Experian has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal.

Experian 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer.

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Experian 's failure to take corrective action is unacceptable.

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Experian 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record.

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

Hello I paid {$130.00} to someone on Cash app on Wednesday XXXX XXXX. She did not send my items to me. She blocked me on XXXX. I have found out that she has done this to multiple people. She is a scammer. She is selling items on XXXX but not sending them to the customer once we purchase. She needs to be prosecuted.
Consumer complaint received 2023-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

Hi, Attached is the letter i sent to this collection agency to validate this alleged debt. 
This was sent to the company over a month ago. I have attached the tracking number. 
The letter was received and still have not gotten a response. 
This debt is being collected illegally and my next step is to file a lawsuit against the company if the attached letter is not responded by next XXXX business days. 

Certified Mail Tracking # : XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC (TX)

A woman by the name of XXXX XXXX called my daughter XXXX on her phone and got hostile n began making threatening comments about me. The comments consisted of a payday loan I had taken out with XXXX XXXX and got behind on payments due to getting COVID XXXX in 7 months XXXX a XXXX XXXX and XXXX XXXX  due to long XXXX. XXXX XXXX proceeded to make threatening comments of going after my XXXX check n holding it until the court was concluded along with me being sued. My daughter believing it was real gave me the number n I called XXXX XXXX back at which time she became hostile and threatening with me saying they were filing in XXXX county against me and she hung up. 

My daughter 's believing this was a true company and seamed real wanted me to call back. I did! I then spoke with a girl who said her name was XXXX at ext. XXXX and began to explain things in a somewhat calmer manner. I still was in my mind questioning this call XXXX began asking the name of the Company. At that time they told me XXXX XXXX XXXX. I then said what's your address and was rudely told they couldn't give that out do to safety reasons. When I questioned them about this XXXX XXXX became irritated. I continued on with setting up this payment plan even though I felt something was off. That's when I gave my debit card number and made a payment of {$180.00} and a schedule of payments of {$160.00} a month for 10 months. This was on XX/XX/2022. With a confirmation number of XXXX on acct. XXXX payment to XXXX XXXX. After I hung up I immediately called XXXX XXXX n found out that they had not sold my debt to anyone n no payment plan was set up. Embarrassed, I called my bank n cancelled my bank card n spoke to bookkeeping to file a fraud complaint on my account. I am set to do that on XX/XX/2022 @ XXXX. I've been embarrassed n called stupid by the people at this fake company n this should not happen to anyone ever. Please help me with this complaint so they don't get to any one else. They had my daughter 's phone numbers n XXXX only knows what else they have. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Consumer complaint received 2024-01-12
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: Bread Financial Holdings, Inc. (OH)

This is a follow up to complaint XXXX. I purchased plane tickets and the airline company did not assign me seats so i was not allowed to board the plane. I had to repurchase seats for a flight the next day. I provided all information and proof of the original purchase then a repurchase since i couldnt board. I could not reach airline and the credit card company did not fully investugate the case because all the proof provided showed exactly what i was saying and i am due a refund.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (IL)

XXXX XXXX XXXX XXXXXXXX Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
Consumer complaint received 2023-11-24
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. (PA)

From XX/XX/XXXX to XX/XX/XXXX I have made five payments to Aidvantage and they reversed every single payment. I called customer service and it takes forever to get an agent. When you finally do, they are incompetent to handle the situation I need help resolving this issue. Aidvantage is reversing payments for no reason. I am trying to pay back my student loans
Consumer complaint received 2023-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

In XXXX, I submitted a PSLF Employer Verification Form for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Both employers have the same Federal Employer Identification Number. The average weekly hours I worked for both employers, from XX/XX/XXXX to XX/XX/XXXX, totaled 32. 

After several calls to Mohela customer service, complaints to CFPB, and complaints to XXXX, Mohela responded with incorrect information and only partially certified employment. No additional PSLF qualifying payments were granted.

According to PSLF rule changes effective XX/XX/XXXX, " For PSLF, youre generally considered to work full time if you meet your employers definition of full time or you work at least 30 hours per week, whichever is greater. If youre employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers. '' I called Mohela customer service on XX/XX/XXXX, spoke with a representative, and I was told, " yes, these are eligible employers. You should receive credit for PSLF from XX/XX/XXXX to XX/XX/XXXX. 11 total payments. We will up date this in 5-7 business days. '' It is now past 7 business days, and no action has been taken on the account. 

In addition, on XX/XX/XXXX, I submitted another PSLF employer verification form for XXXX XXXX XXXX. Again, this is the same Federal Employer Identification Number as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am attempting to certify the employment period of XX/XX/XXXX to XX/XX/XXXX. During this time, I worked for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for a combined weekly average of 31 hours, and should receive PSLF credit for 16 payments.

The customer service logistics of MOHELA are extremely difficult to navigate, and while it appears customer support is logging information and taking care of forms, my experience is that no one is actually processing this information. 

Since MOHELA does everything in business days, this is an important fact to add : It has been 188 business days since I made my original request to verify employment.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-24
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.